{"id":1795,"date":"2026-03-17T06:06:58","date_gmt":"2026-03-17T06:06:58","guid":{"rendered":"https:\/\/www.provenir.com\/pt\/?p=1795"},"modified":"2026-04-01T09:46:38","modified_gmt":"2026-04-01T09:46:38","slug":"pesquisa-2026-pesquisa-global-de-tomada-de-decisoes","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/pt\/pesquisa-2026-pesquisa-global-de-tomada-de-decisoes\/","title":{"rendered":"Pesquisa 2026 Pesquisa Global de tomada de Decis\u00f5es"},"content":{"rendered":"<div>Livro eletr\u00f4nico<\/div>\n<h1><span class=\"uk-text-primary\">Quais s\u00e3o os principais desafios e prioridades<\/span> para os l\u00edderes de servi\u00e7os financeiros em 2026?<\/h1>\n<div>\n<p>O setor de servi\u00e7os financeiros encontra-se em um ponto de inflex\u00e3o na ado\u00e7\u00e3o da <a href=\"https:\/\/www.provenir.com\/pt\/plataforma\/ia\/\" target=\"_blank\">intelig\u00eancia artificial<\/a> na tomada de decis\u00f5es. Nossa Pesquisa Global de Tomada de Decis\u00e3o 2026 revela um setor que reconhece o potencial transformador da IA, mas ainda enfrenta desafios quase universais de implementa\u00e7\u00e3o.<\/p>\n<p>Entrevistamos 203 executivos s\u00eaniores \u2013 incluindo Chief Risk Officers, CEOs, CFOs e Diretores de Risco \u2013 em 22 pa\u00edses, abrangendo <a href=\"https:\/\/www.provenir.com\/pt\/industrias\/bancos\/\" target=\"_blank\">bancos<\/a>, <a href=\"https:\/\/www.provenir.com\/pt\/industrias\/fintechs\/\" target=\"_blank\">fintechs<\/a>, seguradoras, <a href=\"https:\/\/www.provenir.com\/pt\/industrias\/telco\/\" target=\"_blank\">telecomunica\u00e7\u00f5es<\/a> e outros segmentos de servi\u00e7os financeiros. Os resultados revelam uma vis\u00e3o complexa de um setor em transi\u00e7\u00e3o.<\/p>\n<\/div>\n<div>RESUMO DAS PRINCIPAIS DESCOBERTAS<\/div>\n<ul>\n<li>\n<h3>O Paradoxo da IA:<\/h3>\n<div>87% confiam nos resultados de decis\u00f5es orientadas por IA, mas 97% enfrentam barreiras de implementa\u00e7\u00e3o <\/div>\n<\/li>\n<li>\n<h3>O Desafio da Fraude:<\/h3>\n<div>\n<p>77% est\u00e3o preocupados com amea\u00e7as de fraude viabilizadas por IA, ao mesmo tempo em que precisam da IA para <a href=\"https:\/\/www.provenir.com\/pt\/solucoes\/fraude-e-identidade\/\" target=\"_blank\" rel=\"noopener\">combater fraudes<\/a><\/p>\n<\/div>\n<\/li>\n<li>\n<h3>Avan\u00e7o em Tempo Real:<\/h3>\n<div>91% foram al\u00e9m de modelos exclusivamente est\u00e1ticos; 52% utilizam abordagens h\u00edbridas<\/div>\n<\/li>\n<li>\n<h3>Intelig\u00eancia de Decis\u00e3o:<\/h3>\n<div>77% a consideram muito valiosa para sua estrat\u00e9gia nos pr\u00f3ximos 2 a 3 anos<\/div>\n<\/li>\n<li>\n<h3>Prioridade de Investimento:<\/h3>\n<div>60% planejam investir em IA ou intelig\u00eancia embarcada para tomada de decis\u00e3o em 2026<\/div>\n<\/li>\n<li>\n<h3>Lacuna de Governan\u00e7a:<\/h3>\n<div>Apenas 33% implementaram totalmente frameworks de IA respons\u00e1vel<\/div>\n<\/li>\n<\/ul>\n<div>\n<p>Esses resultados mostram um setor que sabe aonde precisa chegar, mas ainda enfrenta obst\u00e1culos significativos ao longo do caminho. As organiza\u00e7\u00f5es que conseguirem superar as barreiras de implementa\u00e7\u00e3o \u2013 relacionadas a compliance, explicabilidade e integra\u00e7\u00e3o \u2013 construir\u00e3o vantagens competitivas sustent\u00e1veis por meio de decis\u00f5es mais r\u00e1pidas, precisas e adapt\u00e1veis<\/p>\n<\/div>\n<div>\n<div class=\"_df_book df-lite\" id=\"df_1796\"  _slug=\"risk-survey-2026\" data-title=\"risk-survey-2026\" wpoptions=\"true\" thumbtype=\"\" ><\/div><script class=\"df-shortcode-script\" nowprocket type=\"application\/javascript\">window.option_df_1796 = {\"outline\":[],\"autoEnableOutline\":\"false\",\"autoEnableThumbnail\":\"false\",\"overwritePDFOutline\":\"false\",\"direction\":\"1\",\"pageSize\":\"0\",\"pageMode\":\"1\",\"source\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/wp-content\\\/uploads\\\/sites\\\/9\\\/2026\\\/03\\\/260224-ebook-Survey-GL_PTBR-49766_compressed.pdf\",\"wpOptions\":\"true\"}; if(window.DFLIP && window.DFLIP.parseBooks){window.DFLIP.parseBooks();}<\/script><\/div>\n<h3>RECURSOS ADICIONAIS<\/h3>\n<div>\n<div class=\"pt-cv-wrapper\"><div class=\"pt-cv-view pt-cv-grid pt-cv-colsys cveffect-zoomin pt-cv-pgregular pt-cv-round-btn\" id=\"pt-cv-view-0d017e0dk8\"><div data-id=\"pt-cv-page-1\" class=\"pt-cv-page\" data-cvc=\"4\"><div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1785\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/03\/Hyper-Personlization-2-PT.png\" class=\"pt-cv-thumbnail img-rounded\" alt=\"S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2<\/a><\/h4>\n<div class=\"pt-cv-content\">S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2:A Armadilha do Scorecard: Como os Modelos Tradicionais Est\u00e3o Deixando Dinheiro ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1590\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/02\/260213-BLOG-Hyper-personalization-Myth1-FeatureIMG-GL_PTBR-49701.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"Hyper-personalization\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">S\u00e9rie O Mito da Hiperpersonaliza\u00e7\u00e3o #1<\/a><\/h4>\n<div class=\"pt-cv-content\">S\u00e9rie O Mito da Hiperpersonaliza\u00e7\u00e3o #1:Por que os Bancos Pensam que Fazem Hiperpersonaliza\u00e7\u00e3o (Mas N\u00e3o ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1569\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1800\" height=\"942\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/02\/250922-BLOG-AI-Campaign-social-tile04-1200x628-GL_PTBR-46776.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"Al\u00e9m das Regras Est\u00e1ticas\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Al\u00e9m das Regras Est\u00e1ticas<\/a><\/h4>\n<div class=\"pt-cv-content\">Al\u00e9m das Regras Est\u00e1ticas:Como os Sistemas de Aprendizado Aprimoram a Tomada De Decis\u00f5es em Servi\u00e7os ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1510\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"419\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/01\/260120-BLOG-AI-Campaign-social-tile-1200x628-GL_PTBR-49325.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"De Modelo Isolado a Ecossistema de IA Empresarial: Por que a Maioria das Iniciativas de IA em Servi\u00e7os Financeiros N\u00e3o Consegue Escalar\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">De Modelo Isolado a Ecossistema de IA Empresarial:...<\/a><\/h4>\n<div class=\"pt-cv-content\">De Modelo Isolado a Ecossistema de IA Empresarial:Por que a Maioria das Iniciativas de IA ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"text-left round-button pt-cv-pagination-wrapper\"><ul class=\"pt-cv-pagination pt-cv-ajax pagination\" data-totalpages=\"9\" data-currentpage=\"1\" data-sid=\"0d017e0dk8\" data-unid=\"\" data-isblock=\"\" data-postid=\"\"><li class=\"active\"><a href=\"#\">1<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/1795\/?_page=2\">2<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/1795\/?_page=3\">3<\/a><\/li>\n\t<li ><a href=\"#\">&hellip;<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/1795\/?_page=9\">9<\/a><\/li>\n\t<li ><a class=\" \" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/1795\/?_page=2\">&rsaquo;<\/a><\/li>\n\t<\/ul><img loading=\"lazy\" decoding=\"async\" width=\"15\" height=\"15\" class=\"pt-cv-spinner\" alt=\"Loading...\" 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href=\\\"https:\/\/www.provenir.com\/pt\/plataforma\/ia\/\\\" target=\\\"_blank\\\">intelig\u00eancia artificial<\/a> na tomada de decis\u00f5es. Nossa Pesquisa Global de Tomada de Decis\u00e3o 2026 revela um setor que reconhece o potencial transformador da IA, mas ainda enfrenta desafios quase universais de implementa\u00e7\u00e3o.<\/p>\n\n\\n\\n\n\n<p>Entrevistamos 203 executivos s\u00eaniores \u2013 incluindo Chief Risk Officers, CEOs, CFOs e Diretores de Risco \u2013 em 22 pa\u00edses, abrangendo <a href=\\\"https:\/\/www.provenir.com\/pt\/industrias\/bancos\/\\\" target=\\\"_blank\\\">bancos<\/a>, <a href=\\\"https:\/\/www.provenir.com\/pt\/industrias\/fintechs\/\\\" target=\\\"_blank\\\">fintechs<\/a>, seguradoras, <a href=\\\"https:\/\/www.provenir.com\/pt\/industrias\/telco\/\\\" target=\\\"_blank\\\">telecomunica\u00e7\u00f5es<\/a> e outros segmentos de servi\u00e7os financeiros. Os resultados revelam uma vis\u00e3o complexa de um setor em transi\u00e7\u00e3o.<\/p>\n\n\",\"margin_bottom\":\"medium\",\"margin_top\":\"medium\"}},{\"type\":\"headline\",\"props\":{\"blend\":false,\"class\":\"uk-text-uppercase\",\"content\":\"RESUMO DAS PRINCIPAIS DESCOBERTAS\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"margin_bottom\":\"small\",\"margin_top\":\"small\",\"title_color\":\"background\",\"title_decoration\":\"line\",\"title_element\":\"div\",\"title_style\":\"h4\"}},{\"type\":\"description_list\",\"props\":{\"column_breakpoint\":\"m\",\"layout\":\"grid-2\",\"list_element\":\"ul\",\"list_style\":\"divider\",\"meta_align\":\"below-content\",\"meta_style\":\"text-meta\",\"show_content\":true,\"show_link\":true,\"show_meta\":true,\"show_title\":true,\"title_color\":\"warning\",\"title_element\":\"div\",\"title_grid_column_gap\":\"small\",\"title_grid_row_gap\":\"small\",\"title_grid_width\":\"small\",\"title_style\":\"text-bold\"},\"children\":[{\"type\":\"description_list_item\",\"props\":{\"content\":\"87% confiam nos resultados de decis\u00f5es orientadas por IA, mas 97% enfrentam barreiras de implementa\u00e7\u00e3o \",\"title\":\"O Paradoxo da IA:\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"\n\n<p>77% est\u00e3o preocupados com amea\u00e7as de fraude viabilizadas por IA, ao mesmo tempo em que precisam da IA para <a href=\\\"https:\/\/www.provenir.com\/pt\/solucoes\/fraude-e-identidade\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">combater fraudes<\/a><\/p>\n\n\",\"title\":\"O Desafio da Fraude:\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"91% foram al\u00e9m de modelos exclusivamente est\u00e1ticos; 52% utilizam abordagens h\u00edbridas\",\"title\":\"Avan\u00e7o em Tempo Real:\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"77% a consideram muito valiosa para sua estrat\u00e9gia nos pr\u00f3ximos 2 a 3 anos\",\"title\":\"Intelig\u00eancia de Decis\u00e3o:\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"60% planejam investir em IA ou intelig\u00eancia embarcada para tomada de decis\u00e3o em 2026\",\"title\":\"Prioridade de Investimento:\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"Apenas 33% implementaram totalmente frameworks de IA respons\u00e1vel\",\"title\":\"Lacuna de Governan\u00e7a:\"}}]},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"\n\n<p>Esses resultados mostram um setor que sabe aonde precisa chegar, mas ainda enfrenta obst\u00e1culos significativos ao longo do caminho. 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