{"id":1000,"date":"2023-05-24T08:31:47","date_gmt":"2026-05-11T15:46:43","guid":{"rendered":"https:\/\/younited.com\/partners\/reference\/como-tediber-implementou-primeiro-metodo-pagamento-baseado-open-banking\/"},"modified":"2026-06-05T10:51:49","modified_gmt":"2026-06-05T10:51:49","slug":"como-tediber-implementou-primeiro-metodo-pagamento-baseado-open-banking","status":"publish","type":"reference","link":"https:\/\/younited.com\/partners\/pt\/referencias\/como-tediber-implementou-primeiro-metodo-pagamento-baseado-open-banking\/","title":{"rendered":"Descobre como a Tediber implementou o primeiro m\u00e9todo de pagamento utilizando um percurso 100% open banking"},"content":{"rendered":"\n<blockquote class=\"block block-quote align wp-block-yuc-quote\">\n\t<p class=\"block-quote__text\">O nosso lema sempre foi tornar os nossos produtos acess\u00edveis a todos de forma f\u00e1cil e simples. Por conseguinte, era importante propormos uma nova solu\u00e7\u00e3o de pagamento em 12 presta\u00e7\u00f5es, com um percurso do cliente simples e r\u00e1pido. A oferta da Younited Pay era a solu\u00e7\u00e3o ideal.<\/p>\n\t<footer class=\"block-quote__author\">\n\t\t\t\t<figure class=\"block-quote__image-wrapper\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/julien-sylvain-tediber-150x150.png\" class=\"block-quote__image\" alt=\"\" data-location=\"\" aria-hidden=\"true\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/julien-sylvain-tediber-150x150.png 150w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/julien-sylvain-tediber-112x112.png 112w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/julien-sylvain-tediber-173x173.png 173w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/julien-sylvain-tediber.png 300w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\t\t<\/figure>\n\t\t\n\t\t<p class=\"block-quote__author-infos\">\n\t\t\t<cite class=\"block-quote__name\">Julien Sylvain<\/cite><span class=\"block-quote__role\">Diretor Executivo, Tediber<\/span>\t\t<\/p>\n\t<\/footer>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 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\">O desafio<\/h3>\n\n\n\n<p>A Tediber queria propor um m\u00e9todo de pagamento complementar \u00e0s solu\u00e7\u00f5es de pagamento fracionado j\u00e1 propostas que seria t\u00e3o simples como pagar por cart\u00e3o de cr\u00e9dito. De facto, com um carrinho de compras m\u00e9dio de cerca de 800 \u20ac e uma popula\u00e7\u00e3o-alvo jovem e urbana, pareceu relevante apresnetar uma solu\u00e7\u00e3o que permita distribuir os custos em pagamentos mensais por prazos de vencimento mais longos. Assim, o custo tornar-se-\u00e1 mais acess\u00edvel para mais pessoas.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">A solu\u00e7\u00e3o<\/h3>\n\n\n\n<p>A solu\u00e7\u00e3o ponderada para esta parceria tinha de ser totalmente digital e baseada em tecnologias de ponta para satisfazer as necessidades dos clientes da Tediber. Assim, esta solu\u00e7\u00e3o \u00e9 a primeira solu\u00e7\u00e3o de pagamento europeia a utilizar dados banc\u00e1rios agregados na sequ\u00eancia da 2.\u00aa Diretiva Europeia de Servi\u00e7os de Pagamento (DSP2) atrav\u00e9s do open banking. Basta o cliente fornecer as suas credenciais banc\u00e1rias e o seu cart\u00e3o de cidad\u00e3o para subscrever um financiamento instant\u00e2neo para a sua compra.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button gtag-demo gtag-demo-popup\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/partners\/pt\/pedir-demo\/\">Solicitar uma demonstra\u00e7\u00e3o<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-stats wp-pattern-stats-3-columns has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-166a6155 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\">Beneficios para Tediber<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\"><\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">Uma oferta adaptada \u00e0 sua gama de produtos<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\"><\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">Um aumento do carrinho de compras<\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-blockparty-key-figure\"><p class=\"wp-block-blockparty-key-figure__key\"><span class=\"wp-block-blockparty-key-figure__prefix\"><\/span><span class=\"wp-block-blockparty-key-figure__number\" data-increment=\"\" data-decimal-separator=\"none\" data-minimum-fraction-digits=\"0\"><\/span><span class=\"wp-block-blockparty-key-figure__suffix\"><\/span><\/p><p class=\"wp-block-blockparty-key-figure__description\">Uma solu\u00e7\u00e3o integrada no percurso de compra<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact.jpg\" alt=\"visuel contact\" class=\"wp-image-46 size-media-text-2x\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Queres saber mais sobre a Younited Pay?<\/h2>\n\n\n\n<p>Os nossos especialistas acompanham-te na escolha e na implementa\u00e7\u00e3o da tua solu\u00e7\u00e3o de pagamento a cr\u00e9dito.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/partners\/pt\/pedir-demo\/\">Contacta-nos<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"author":17,"featured_media":833,"template":"","meta":{"_acf_changed":false,"content-type":""},"solution":[505],"reference_type":[519],"business_sector":[450],"class_list":["post-1000","reference","type-reference","status-publish","has-post-thumbnail","hentry","solution-pay","reference_type-historia-sucesso","business_sector-lar"],"acf":[],"yoast_head":"<title>Estudo de caso: Tediber utiliza pagamento banc\u00e1rio 100% aberto<\/title>\n<meta name=\"description\" content=\"Descobre como a Tediber implementou o primeiro m\u00e9todo de pagamento 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