{"id":3221,"date":"2024-05-10T00:40:25","date_gmt":"2024-05-10T03:40:25","guid":{"rendered":"https:\/\/wearebigcheese.com\/sin-categorizar\/the-open-banking-paradigm-in-uruguay-and-its-current-status\/"},"modified":"2024-05-20T11:03:22","modified_gmt":"2024-05-20T14:03:22","slug":"the-open-banking-paradigm-in-uruguay-and-its-current-status","status":"publish","type":"post","link":"https:\/\/wearebigcheese.com\/en\/blog-en\/the-open-banking-paradigm-in-uruguay-and-its-current-status\/","title":{"rendered":"The Open Banking paradigm in Uruguay and its current status"},"content":{"rendered":"\n<div id=\"wp-block-themeisle-blocks-advanced-columns-318945e8\" class=\"wp-block-themeisle-blocks-advanced-columns alignwide has-1-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-equal-layout has-vertical-unset\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-ef252ccd\" class=\"wp-block-themeisle-blocks-advanced-column\">\n<div id=\"wp-block-themeisle-blocks-advanced-columns-8867c506\" class=\"wp-block-themeisle-blocks-advanced-columns has-2-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-collapsedRows-layout has-vertical-unset\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-6735d73b\" class=\"wp-block-themeisle-blocks-advanced-column\">\n<h2 class=\"wp-block-heading\">The Open Banking paradigm in Uruguay and its current status<\/h2>\n<\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-column-f331a471\" class=\"wp-block-themeisle-blocks-advanced-column\">\n<div class=\"wp-block-columns is-not-stacked-on-mobile datos-post is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Category \/<\/strong><\/p>\n\n\n<div class=\"taxonomy-category has-link-color wp-elements-e903c577c561db4b39aee2e1f34eac0d wp-block-post-terms has-text-color has-nv-dark-bg-color\"><a href=\"https:\/\/wearebigcheese.com\/en\/category\/aws-cloud-en\/\" rel=\"tag\">AWS Cloud<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/wearebigcheese.com\/en\/category\/blog-en\/\" rel=\"tag\">Blog<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/wearebigcheese.com\/en\/category\/financial-services-en\/\" rel=\"tag\">Financial Services<\/a><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>Date \/<\/strong><\/p>\n\n\n<div class=\"wp-block-post-date\"><time datetime=\"2024-05-10T00:40:25-03:00\">10 May, 2024<\/time><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><strong>By \/<\/strong><\/p>\n\n\n<div class=\"wp-block-post-author-name\">BigCheese<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-columns-36cb83b9\" class=\"wp-block-themeisle-blocks-advanced-columns alignwide has-2-columns has-desktop-equal-layout has-tablet-collapsedRows-layout has-mobile-collapsedRows-layout has-vertical-unset\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-d57e4ee2\" class=\"wp-block-themeisle-blocks-advanced-column social-media\"><div class=\"wp-block-themeisle-blocks-sharing-icons\" id=\"wp-block-themeisle-blocks-sharing-icons-a2c041ec\"><div class=\"social-icons-wrap\"><a class=\"social-icon is-facebook\" aria-label=\"Share on Facebook\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/wearebigcheese.com\/en\/wp-json\/wp\/v2\/posts\/3221&#038;title=The%20Open%20Banking%20paradigm%20in%20Uruguay%20and%20its%20current%20status\" target=\"_blank\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - 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https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M100.3 448H7.4V148.9h92.9zM53.8 108.1C24.1 108.1 0 83.5 0 53.8a53.8 53.8 0 0 1 107.6 0c0 29.7-24.1 54.3-53.8 54.3zM447.9 448h-92.7V302.4c0-34.7-.7-79.2-48.3-79.2-48.3 0-55.7 37.7-55.7 76.7V448h-92.8V148.9h89.1v40.8h1.3c12.4-23.5 42.7-48.3 87.9-48.3 94 0 111.3 61.9 111.3 142.3V448z\"\/><\/svg><span class=\"v-line\"><\/span>Linkedin<\/a><a class=\"social-icon is-whatsapp\" aria-label=\"Share on WhatsApp\" href=\"https:\/\/api.whatsapp.com\/send?text=https:\/\/wearebigcheese.com\/en\/wp-json\/wp\/v2\/posts\/3221\" target=\"_blank\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!--!Font Awesome Free 6.6.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2024 Fonticons, Inc.--><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7 .9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"\/><\/svg><span class=\"v-line\"><\/span>WhatsApp<\/a><\/div><\/div><style type=\"text\/css\">#wp-block-themeisle-blocks-sharing-icons-a2c041ec .is-facebook {--icon-bg-color: var(--nv-secondary-accent);--text-color: var(--nv-dark-bg);}#wp-block-themeisle-blocks-sharing-icons-a2c041ec .is-twitter {--icon-bg-color: var(--nv-secondary-accent);--text-color: var(--nv-dark-bg);}#wp-block-themeisle-blocks-sharing-icons-a2c041ec .is-linkedin {--icon-bg-color: var(--nv-secondary-accent);--text-color: var(--nv-dark-bg);}#wp-block-themeisle-blocks-sharing-icons-a2c041ec .is-reddit {--icon-bg-color: var(--nv-secondary-accent);--text-color: var(--nv-dark-bg);}#wp-block-themeisle-blocks-sharing-icons-a2c041ec .is-whatsapp {--icon-bg-color: var(--nv-secondary-accent);--text-color: var(--nv-dark-bg);}#wp-block-themeisle-blocks-sharing-icons-a2c041ec {--icons-gap: 10px;--border-radius: 50px;}<\/style>\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-small-font-size\" id=\"copy-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-neve-link-color-background-color has-text-color has-background has-link-color wp-element-button\">? Link<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-column-d73d3ae5\" class=\"wp-block-themeisle-blocks-advanced-column contenido-post\">\n<h2 class=\"wp-block-heading\"><strong>What is Open Banking?<\/strong><\/h2>\n\n\n\n<p>Open Finance or Open Banking is a paradigm that refers to financial institutions sharing customer information with third parties so that they can create innovative applications and services based on this data.<\/p>\n\n\n\n<p>The following are the main characteristics of this paradigm:<\/p>\n\n\n\n<p>1- Opening of financial data by financial institutions.<\/p>\n\n\n\n<p>2- Use of APIs as data sharing mechanisms.<\/p>\n\n\n\n<p>3- Following standards and regulations (local and international) to guarantee the privacy and security of personal and financial data.<\/p>\n\n\n\n<p>4- Explicit consent of the user for their data to be shared and mechanisms to have control at all times of what data is shared and with whom it is shared.<\/p>\n\n\n\n<p>5- Encourage innovation in financial solutions and competition among institutions in the industry, resulting in better benefits for end users.<\/p>\n\n\n\n<p>From the above, the importance of having mature local regulations, aligned with international regulatory frameworks, which provide security to the local financial ecosystem, but above all to the end users of the financial industry, arises.<\/p>\n\n\n\n<p>The following image shows the state of maturity of the regulatory systems of the different countries in relation to Open Banking.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"764\" src=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-Uruguay-1024x764-1.png\" alt=\"Open Banking Uruguay 1\" class=\"wp-image-3035\" srcset=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-Uruguay-1024x764-1.png 1024w, https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-Uruguay-1024x764-1-300x224.png 300w, https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-Uruguay-1024x764-1-768x573.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Source: <a href=\"https:\/\/platformable.com\/\">Platformable<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why Open Banking in Uruguay?<\/strong><\/h3>\n\n\n\n<p>The quick answer would be: for greater benefits to the end user.<\/p>\n\n\n\n<p>In a context of total dynamism generated mostly by technological advances, our interactions with the financial system are generally associated with more than one institution. This reality implies that the consolidation of information between these institutions will have to be done manually, if at all.<\/p>\n\n\n\n<p>Some practical examples of being able to have a user&#8217;s consolidated financial information could be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automated expense analysis.<\/li>\n\n\n\n<li>Generate savings options.<\/li>\n\n\n\n<li>Customized options for access to credit based on consumption.<\/li>\n\n\n\n<li>Maximization of the benefits associated with the use of banking products.<\/li>\n\n\n\n<li>Minimization of banking transaction costs.<\/li>\n<\/ul>\n\n\n\n<p>These are just a few examples that would result in economic or time benefits for end users.  <\/p>\n\n\n\n<p>In short, it makes sense with the objective pursued by the Open Banking paradigm, innovation and competition among financial institutions, for better experiences and benefits for the end user.<\/p>\n\n\n\n<p>To materialize the implementation of some of these examples (several in use in different parts of the world), different stages, or phases, must be followed, according to a BCU study:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"547\" height=\"807\" src=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-en-Uruguay.png\" alt=\"Open Banking Uruguay 1\" class=\"wp-image-3037\" style=\"width:722px;height:auto\" srcset=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-en-Uruguay.png 547w, https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-en-Uruguay-203x300.png 203w\" sizes=\"auto, (max-width: 547px) 100vw, 547px\" \/><\/figure>\n\n\n\n<p>Source: <a href=\"https:\/\/www.bcu.gub.uy\/NOVA-BCU\/SiteAssets\/Banca%20Abierta%20-%20BCU.pdf#search=open%20banking\">BCU<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Open banking in Uruguay<\/strong><\/h3>\n\n\n\n<p>In Uruguay, the regulator of the financial system is the <a href=\"https:\/\/www.bcu.gub.uy\/\">Central Bank of Uruguay<\/a> (BCU). In a recent post by <a href=\"https:\/\/www.linkedin.com\/in\/sebagra\/\">Sebastian Grattarola<\/a>, CTO of <a href=\"https:\/\/www.linkedin.com\/company\/big-cheese-software-factory\/\">BigCheese<\/a>, on <a href=\"https:\/\/blog.bigcheese.uy\/seguridad-en-aws-para-entidades-financieras\/\">&#8220;Security in AWS for financial institutions&#8221;<\/a> he elaborated on the recommendations of this institution regarding security aspects for financial institutions.<\/p>\n\n\n\n<p>The BCU already has this issue on its agenda. Since 2020 it has formalized this in a circular, stating that banks must provide access to their APIs so that they can be accessed by other providers in the country&#8217;s financial ecosystem.<\/p>\n\n\n\n<p>There are <a href=\"https:\/\/www.bcu.gub.uy\/NOVA-BCU\/SiteAssets\/Banca%20Abierta%20-%20BCU.pdf\">working groups<\/a> in this regard, and there is an <a href=\"https:\/\/www.bcu.gub.uy\/NOVA-BCU\/Lists\/Iniciativas%20en%20Agenda\/AllItems.aspx\">agenda<\/a> to study and advance the digital changes associated with the financial industry that are happening in the world.  <\/p>\n\n\n\n<p>There are already specific actions that we will see implemented very soon (I estimate this year) such as instant transfers between banks, at any time of the day (today transfers are instantaneous between accounts of the same bank). It is already very good to see concrete benefits from a <a href=\"https:\/\/www.elobservador.com.uy\/nota\/transferencias-de-dinero-en-segundos-que-plazos-se-fijo-el-bcu-para-que-sea-realidad--2020102119380\">roadmap<\/a> drawn up more than two years ago.<\/p>\n\n\n\n<p>It is also necessary to say that there is still a long way to go to be at the forefront of this Open Banking paradigm in Uruguay. Many challenges remain to be met, in my view, most of them associated with the regulatory framework, which is fundamental, as we have already expressed, to take care of end users and to maintain a healthy local financial ecosystem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Open Banking and technological aspects<\/strong><\/h3>\n\n\n\n<p>Today, the technology is already available to advance at a faster pace in these latitudes in matters related to Open Banking.  <a href=\"https:\/\/www.linkedin.com\/company\/big-cheese-software-factory\/\">BigCheese<\/a> as an <a href=\"https:\/\/partners.amazonaws.com\/partners\/0010L00001mkeBiQAI\/BigCheese\">AWS Advanced Partner<\/a> and soon to be <a href=\"https:\/\/bigcheese.uy\/aws-financial\">AWS Financial Services Partner<\/a>, has helped several financial companies in Uruguay and the region to advance in the digital transformation needed to the cloud so that these institutions can have a greater speed of innovation.<\/p>\n\n\n\n<p><a href=\"https:\/\/aws.amazon.com\/\">AWS<\/a> has been a pioneer in the intersection of financial services and cloud technology, to the point of having a specific vertical for <a href=\"https:\/\/aws.amazon.com\/financial-services\/\">financial services<\/a> and an even more specific one for <a href=\"https:\/\/aws.amazon.com\/financial-services\/banking\/\">banking<\/a>. Thousands of financial institutions around the world are growing based on the use of AWS services.<\/p>\n\n\n\n<p>There is no doubt that migrating workloads to AWS leaves institutions better prepared to innovate. The maturity of the market is there and demands to advance faster; the technology is available to respond accordingly; we still need adjustments to the regulatory framework to be able to create without limits and thus fully develop <strong>Open Banking in Uruguay<\/strong>.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-columns-16e28121\" class=\"wp-block-themeisle-blocks-advanced-columns alignwide has-2-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-equal-layout has-vertical-unset prev-next\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-e7076530\" class=\"wp-block-themeisle-blocks-advanced-column\"><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-column-aabe3ad9\" class=\"wp-block-themeisle-blocks-advanced-column\"><\/div>\n<\/div><\/div>\n\n\n\n<div id=\"wp-block-themeisle-blocks-advanced-columns-47ed1020\" class=\"wp-block-themeisle-blocks-advanced-columns alignfull has-1-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-equal-layout has-vertical-unset grilla-portfolio blog\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-ba93bed6\" class=\"wp-block-themeisle-blocks-advanced-column\">\n<div id=\"wp-block-themeisle-blocks-advanced-columns-8419fd54\" class=\"wp-block-themeisle-blocks-advanced-columns alignwide has-1-columns has-desktop-equal-layout has-tablet-equal-layout has-mobile-equal-layout has-vertical-unset grilla-portfolio blog\"><div class=\"wp-block-themeisle-blocks-advanced-columns-overlay\"><\/div><div class=\"innerblocks-wrap\">\n<div id=\"wp-block-themeisle-blocks-advanced-column-e5cbb502\" class=\"wp-block-themeisle-blocks-advanced-column grilla-portfolio\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\">Related news<\/h3>\n<\/div>\n<\/div>\n\n\n<div class=\"pt-cv-wrapper\"><h1 class='pt-cv-heading-container heading1' data-blockid='ffab30e1h7'><span class='pt-cv-heading'>  <\/span><\/h1><div class=\"pt-cv-view pt-cv-pinterest pt-cv-colsys pt-cv-border pt-cv-no-bb pt-cv-pgregular\" id=\"pt-cv-view-ffab30e1h7\"><div data-id=\"pt-cv-page-1\" class=\"pt-cv-page\" data-cvc=\"3\"><div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"4624\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/an-approach-to-sagemaker-unified-studio\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" 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class='pt-cv-tax-cloud-en'>Cloud<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/sin-categorizar\/' title='Sin categorizar' class='pt-cv-tax-sin-categorizar'>Sin categorizar<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/recap-aws-reinvent-2024-innovations-to-transform-the-future\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">Recap AWS re:Invent 2024: the Think Big panacea.<\/a><\/h4><\/div><\/div>\n<div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"3187\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/good-infrastructure-practices-in-aws-introducing-the-aws-well-architected-framework-waf\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" 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href='https:\/\/wearebigcheese.com\/en\/category\/blog-en\/' title='Blog' class='pt-cv-tax-blog-en'>Blog<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/sin-categorizar\/' title='Sin categorizar' class='pt-cv-tax-sin-categorizar'>Sin categorizar<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/bigcheese-becomes-the-first-aws-premier-partner-in-uruguay\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">BigCheese becomes the first AWS Premier Partner in Uruguay<\/a><\/h4><\/div><\/div>\n<div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"3249\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/think-big-start-small\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"223\" 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href='https:\/\/wearebigcheese.com\/en\/category\/design-thinking-en\/' title='Design Thinking' class='pt-cv-tax-design-thinking-en'>Design Thinking<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/inception-workshop-for-budgeting-a-project\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">Inception workshop for budgeting a project<\/a><\/h4><\/div><\/div>\n<div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"3205\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/how-to-encourage-the-self-organization-of-remote-teams\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"271\" src=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/pasted-image-0-5-300x271.png\" class=\"pt-cv-thumbnail img-none skip-lazy \" alt=\"Organizacion de equipos\" \/><\/a>\n<div class=\"pt-cv-taxoterm above_title\"><a href='https:\/\/wearebigcheese.com\/en\/category\/aws-en\/' title='AWS' class='pt-cv-tax-aws-en'>AWS<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/blog-en\/' title='Blog' class='pt-cv-tax-blog-en'>Blog<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/team-work-en\/' title='Team Work' class='pt-cv-tax-team-work-en'>Team Work<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/how-to-encourage-the-self-organization-of-remote-teams\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">How to encourage the self-organization of remote teams?<\/a><\/h4><\/div><\/div>\n<div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"3188\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/cost-optimization-in-aws-cloud\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"214\" src=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Screen-Shot-2021-07-29-at-11.21.23-300x214.png\" class=\"pt-cv-thumbnail img-none skip-lazy \" alt=\"AWS Cloud\" \/><\/a>\n<div class=\"pt-cv-taxoterm above_title\"><a href='https:\/\/wearebigcheese.com\/en\/category\/aws-certification-en\/' title='AWS certification' class='pt-cv-tax-aws-certification-en'>AWS certification<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/aws-cloud-en\/' title='AWS Cloud' class='pt-cv-tax-aws-cloud-en'>AWS Cloud<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/aws-experts-en\/' title='AWS experts' class='pt-cv-tax-aws-experts-en'>AWS experts<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/blog-en\/' title='Blog' class='pt-cv-tax-blog-en'>Blog<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/infrastructure\/' title='Infrastructure' class='pt-cv-tax-infrastructure'>Infrastructure<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/cost-optimization-in-aws-cloud\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">Cost optimization in AWS Cloud<\/a><\/h4><\/div><\/div>\n<div class=\"col-md-4 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"3221\"><div class='pt-cv-pinmas'><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/the-open-banking-paradigm-in-uruguay-and-its-current-status\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default cvplbd cvp-responsive-image img-none\" target=\"_self\" data-iw=\"300\" data-ih=\"300\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"224\" src=\"https:\/\/wearebigcheese.com\/wp-content\/uploads\/2024\/05\/Open-Banking-Uruguay-1024x764-1-300x224.png\" class=\"pt-cv-thumbnail img-none skip-lazy \" alt=\"Open Banking Uruguay 1\" \/><\/a>\n<div class=\"pt-cv-taxoterm above_title\"><a href='https:\/\/wearebigcheese.com\/en\/category\/aws-cloud-en\/' title='AWS Cloud' class='pt-cv-tax-aws-cloud-en'>AWS Cloud<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/blog-en\/' title='Blog' class='pt-cv-tax-blog-en'>Blog<\/a><a href='https:\/\/wearebigcheese.com\/en\/category\/financial-services-en\/' title='Financial Services' class='pt-cv-tax-financial-services-en'>Financial Services<\/a><\/div>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/wearebigcheese.com\/en\/blog-en\/the-open-banking-paradigm-in-uruguay-and-its-current-status\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"300\" data-ih=\"300\">The Open Banking paradigm in Uruguay and its current status<\/a><\/h4><\/div><\/div><\/div><\/div><\/div>\t\t\t<style type=\"text\/css\" id=\"pt-cv-inline-style-440cebajch\">#pt-cv-view-ffab30e1h7  .pt-cv-pinmas   { background-color: rgba(151,140,225,0) !important; 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type='text\/css'><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":3036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[53,91,116],"tags":[],"class_list":["post-3221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aws-cloud-en","category-blog-en","category-financial-services-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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