{"id":6185,"date":"2025-11-14T17:13:04","date_gmt":"2025-11-14T20:13:04","guid":{"rendered":"https:\/\/minders.io\/?p=6185"},"modified":"2025-11-14T17:36:13","modified_gmt":"2025-11-14T20:36:13","slug":"do-roi-ilusorio-ao-impacto-real-no-marketing-fintech","status":"publish","type":"post","link":"https:\/\/minders.io\/pt-br\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\/","title":{"rendered":"Do ROI ilus\u00f3rio ao impacto real no marketing fintech"},"content":{"rendered":"<h2 data-start=\"116\" data-end=\"202\">Como a Ci\u00eancia de Dados Est\u00e1 Reescrevendo a Atribui\u00e7\u00e3o em Fintech e Banking Digital<\/h2>\n<p data-start=\"204\" data-end=\"402\">O setor financeiro vive um paradoxo: nunca houve tantos dados dispon\u00edveis e, mesmo assim, grande parte das decis\u00f5es de marketing em fintech ainda \u00e9 tomada com informa\u00e7\u00e3o parcial ou mal interpretada.<\/p>\n<p data-start=\"404\" data-end=\"656\">Enquanto o investimento em performance marketing cresce ano ap\u00f3s ano, muitas fintechs, wallets e bancos digitais continuam operando com modelos de atribui\u00e7\u00e3o que j\u00e1 n\u00e3o refletem a realidade atual do usu\u00e1rio: omnicanal, n\u00e3o linear, em constante mudan\u00e7a.<\/p>\n<p data-start=\"658\" data-end=\"787\">E o problema n\u00e3o \u00e9 apenas t\u00e9cnico \u2014 \u00e9 estrat\u00e9gico.<br data-start=\"708\" data-end=\"711\" \/>Isso leva a decis\u00f5es mais lentas, menos eficazes e, no fim, menos rent\u00e1veis.<\/p>\n<h2 data-start=\"789\" data-end=\"850\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-6173\" src=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/285-1024x683.jpg\" alt=\"marketing fintech\" width=\"1024\" height=\"683\" srcset=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/285-980x653.jpg 980w, https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/285-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/h2>\n<h2 data-start=\"789\" data-end=\"850\">O problema n\u00e3o \u00e9 a falta de dados. \u00c9 a falta de entendimento.<\/h2>\n<p data-start=\"852\" data-end=\"1053\">No workshop \u201cFintech &amp; Banking Buenos Aires\u201d, reunimos l\u00edderes de marketing, dados e produto para abordar um tema t\u00e3o complexo quanto urgente: como passar do dado isolado para a tomada de decis\u00e3o real.<\/p>\n<p data-start=\"1055\" data-end=\"1351\">Com a participa\u00e7\u00e3o de Juan Mart\u00edn Pampliega (CEO da Mutt Data), Camilo Jaureguiberry (Data Science Manager na MODO) e Victoria Schiappacasse (Marketing Science Sr. Manager no Mercado Livre), o painel desconstruiu o mito de que medir bem significa apenas ter dashboards e relat\u00f3rios automatizados.<\/p>\n<p data-start=\"1353\" data-end=\"1496\">A verdade \u00e9 mais desconfort\u00e1vel: muitas marcas acreditam que t\u00eam controle sobre sua performance, mas na pr\u00e1tica apenas reportam \u2014 n\u00e3o aprendem.<\/p>\n<p data-start=\"1498\" data-end=\"1653\">Sem modelos robustos de atribui\u00e7\u00e3o, valida\u00e7\u00e3o experimental e sistemas de ativa\u00e7\u00e3o conectados, o que se mede hoje reflete apenas uma fra\u00e7\u00e3o do impacto real.<\/p>\n<h2 data-start=\"1655\" data-end=\"1720\">A Grande Mentira do Marketing Moderno: Achamos que Medimos Bem<\/h2>\n<p data-start=\"1722\" data-end=\"2075\">Times de marketing, dados e produto em institui\u00e7\u00f5es financeiras avan\u00e7adas trabalham com ferramentas poderosas \u2014 mas muitas vezes desalinhadas. Google, Meta, CRM e plataformas de analytics operam em silos. Sem uma estrat\u00e9gia integrada de mensura\u00e7\u00e3o, as decis\u00f5es se baseiam em resultados parciais que n\u00e3o capturam o impacto completo da jornada do cliente.<\/p>\n<p data-start=\"2077\" data-end=\"2404\">Modelos como last-click ou regras lineares oferecem uma vis\u00e3o incompleta. Eles n\u00e3o refletem a complexidade do comportamento omnicanal, nem o impacto incremental das a\u00e7\u00f5es de marketing. E, mais cr\u00edtico ainda: n\u00e3o permitem aprender, antecipar ou escalar com precis\u00e3o \u2014 limitando o impacto real da atribui\u00e7\u00e3o em marketing fintech.<\/p>\n<p data-start=\"2077\" data-end=\"2404\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-6176\" src=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/fondos-canva-2-1024x576.png\" alt=\"marketing fintech\" width=\"1024\" height=\"576\" srcset=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/fondos-canva-2-980x551.png 980w, https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/fondos-canva-2-480x270.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/p>\n<h2 data-start=\"2406\" data-end=\"2443\">Marketing Cient\u00edfico, N\u00e3o Intui\u00e7\u00e3o<\/h2>\n<p data-start=\"2445\" data-end=\"2518\">O marketing cient\u00edfico existe para impulsionar ainda mais a criatividade.<\/p>\n<p data-start=\"2520\" data-end=\"2720\">De modelos preditivos que identificam oportunidades de neg\u00f3cio a sistemas de ativa\u00e7\u00e3o automatizados baseados em comportamentos reais, o objetivo \u00e9 sair da intui\u00e7\u00e3o para chegar ao aprendizado cont\u00ednuo.<\/p>\n<p data-start=\"2722\" data-end=\"2865\">Ci\u00eancia de dados n\u00e3o \u00e9 m\u00e1gica. \u00c9 uma ferramenta para validar hip\u00f3teses, reduzir atrito na tomada de decis\u00e3o e maximizar o retorno de cada a\u00e7\u00e3o.<\/p>\n<p data-start=\"2867\" data-end=\"2998\">Como foi dito no evento: medir r\u00e1pido n\u00e3o \u00e9 o mesmo que medir bem. Sem modelos s\u00f3lidos, dashboards contam apenas parte da hist\u00f3ria.<\/p>\n<p data-start=\"3000\" data-end=\"3163\">Uma das ideias centrais do painel foi o marketing cient\u00edfico: uma forma de operar em que as decis\u00f5es se apoiam em evid\u00eancia, experimenta\u00e7\u00e3o e aprendizado cont\u00ednuo.<\/p>\n<blockquote data-start=\"3165\" data-end=\"3234\">\n<p data-start=\"3167\" data-end=\"3234\">\u201cDashboards mostram o passado. Modelos permitem desenhar o futuro.\u201d<\/p>\n<\/blockquote>\n<h2 data-start=\"3236\" data-end=\"3289\">Tr\u00eas Camadas para um Novo Jeito de Fazer Marketing<\/h2>\n<p data-start=\"3291\" data-end=\"3461\">O foco j\u00e1 n\u00e3o pode ser apenas analisar m\u00e9tricas depois do fato. A chave est\u00e1 em construir sistemas que aprendem em tempo real, identificam padr\u00f5es e agem automaticamente.<\/p>\n<p data-start=\"3463\" data-end=\"3487\">Isso exige tr\u00eas camadas:<\/p>\n<ul data-start=\"3489\" data-end=\"3726\">\n<li data-start=\"3489\" data-end=\"3564\">\n<p data-start=\"3491\" data-end=\"3564\"><strong data-start=\"3491\" data-end=\"3511\">Machine Learning<\/strong>, para modelar comportamento e antecipar resultados<\/p>\n<\/li>\n<li data-start=\"3565\" data-end=\"3633\">\n<p data-start=\"3567\" data-end=\"3633\"><strong data-start=\"3567\" data-end=\"3580\">Analytics<\/strong>, para entender o que funciona, para quem e por qu\u00ea<\/p>\n<\/li>\n<li data-start=\"3634\" data-end=\"3726\">\n<p data-start=\"3636\" data-end=\"3726\"><strong data-start=\"3636\" data-end=\"3663\">Engajamento inteligente<\/strong>, para ativar jornadas personalizadas com base em dados reais<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3728\" data-end=\"3917\">Esse novo stack (ML + Analytics + Ativa\u00e7\u00e3o) n\u00e3o substitui equipes humanas. Ele as potencializa. E redefine o papel do marketing: menos execu\u00e7\u00e3o t\u00e1tica, mais estrat\u00e9gia baseada em evid\u00eancia.<\/p>\n<p data-start=\"3728\" data-end=\"3917\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-6149\" src=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/130-1-1024x683.jpg\" alt=\"marketing fintech\" width=\"1024\" height=\"683\" srcset=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/130-1-980x653.jpg 980w, https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/130-1-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/p>\n<h2 data-start=\"3919\" data-end=\"3946\">Build, Buy ou Colaborar?<\/h2>\n<p data-start=\"3948\" data-end=\"4158\">Uma das decis\u00f5es mais estrat\u00e9gicas para l\u00edderes do setor \u00e9 como desenvolver capacidades de data science aplicadas ao marketing. Devem construir internamente, buscar solu\u00e7\u00f5es externas ou adotar modelos h\u00edbridos?<\/p>\n<p data-start=\"4160\" data-end=\"4333\">A resposta depende do core do neg\u00f3cio, da maturidade do time e da velocidade necess\u00e1ria. <strong data-start=\"4249\" data-end=\"4333\">No entanto, uma coisa \u00e9 clara: terceirizar n\u00e3o pode significar operar no escuro.<\/strong><\/p>\n<p data-start=\"4335\" data-end=\"4573\">Parceiros estrat\u00e9gicos entregam n\u00e3o apenas solu\u00e7\u00f5es, mas tamb\u00e9m capacidades instaladas e aprendizado transfer\u00edvel para o time interno.<br data-start=\"4469\" data-end=\"4472\" \/>A ajuda externa n\u00e3o deve apenas construir \u2014 deve ampliar a capacidade da equipe quando bem desenhada.<\/p>\n<p data-start=\"4575\" data-end=\"4741\">Ao mesmo tempo, construir faz sentido quando o problema \u00e9 estrat\u00e9gico, quando h\u00e1 dados first-party ou quando o modelo precisa se integrar com outras \u00e1reas da empresa.<\/p>\n<p data-start=\"4743\" data-end=\"4871\">Modelos externos s\u00e3o \u00fateis quando o problema j\u00e1 est\u00e1 padronizado. E n\u00e3o precisa ser preto no branco \u2014 solu\u00e7\u00f5es h\u00edbridas existem.<\/p>\n<h2 data-start=\"4873\" data-end=\"4910\">Casos Reais: Do Conceito \u00e0 Pr\u00e1tica<\/h2>\n<p data-start=\"4912\" data-end=\"5028\">Durante o painel, foram apresentados casos concretos para mostrar como sair da teoria e chegar \u00e0 implementa\u00e7\u00e3o real.<\/p>\n<p data-start=\"5030\" data-end=\"5063\">A MODO, por exemplo, desenvolveu:<\/p>\n<ul data-start=\"5065\" data-end=\"5396\">\n<li data-start=\"5065\" data-end=\"5194\">\n<p data-start=\"5067\" data-end=\"5194\">Um modelo de atribui\u00e7\u00e3o de benef\u00edcios para entender quais promo\u00e7\u00f5es geram impacto real, em que contexto e para quais cohortes<\/p>\n<\/li>\n<li data-start=\"5195\" data-end=\"5305\">\n<p data-start=\"5197\" data-end=\"5305\">Um rankeador de benef\u00edcios baseado em machine learning que prioriza promo\u00e7\u00f5es relevantes para cada usu\u00e1rio<\/p>\n<\/li>\n<li data-start=\"5306\" data-end=\"5396\">\n<p data-start=\"5308\" data-end=\"5396\">Um sistema SearchAI para melhorar descoberta e reduzir atrito entre o usu\u00e1rio e a a\u00e7\u00e3o<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5398\" data-end=\"5539\">Essas implementa\u00e7\u00f5es n\u00e3o apenas otimizaram resultados \u2014 transformaram a experi\u00eancia do cliente e a capacidade do time de escalar aprendizado.<\/p>\n<h2 data-start=\"5541\" data-end=\"5608\">O Futuro do Marketing em Fintech: Autom\u00e1tico, Preciso, Conectado<\/h2>\n<p data-start=\"5610\" data-end=\"5691\">O objetivo final \u00e9 claro: um marketing que n\u00e3o apenas analisa, mas aprende e age.<\/p>\n<p data-start=\"5693\" data-end=\"5927\">Sistemas que personalizam, automatizam e escalam sem interven\u00e7\u00e3o manual \u2014 e com total rastreabilidade. Onde o investimento \u00e9 otimizado em tempo real e a experi\u00eancia do usu\u00e1rio se adapta ao comportamento, \u00e0s necessidades e ao contexto.<\/p>\n<p data-start=\"5929\" data-end=\"6040\">Machine Learning + Analytics + Engajamento deixaram de ser buzzwords \u2014 agora s\u00e3o a nova equa\u00e7\u00e3o de crescimento.<\/p>\n<p data-start=\"6042\" data-end=\"6172\">Organiza\u00e7\u00f5es que integram esses componentes v\u00e3o antecipar comportamento, maximizar LTV e construir relacionamentos de longo prazo.<\/p>\n<p data-start=\"6174\" data-end=\"6270\">O marketing do futuro n\u00e3o \u00e9 sobre reportar \u2014 \u00e9 sobre sistemas que aprendem, experimentam e agem.<\/p>\n<p data-start=\"6174\" data-end=\"6270\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-6152\" src=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/78-1024x683.jpg\" alt=\"marketing fintech\" width=\"1024\" height=\"683\" srcset=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/78-980x653.jpg 980w, https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/78-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/p>\n<h2 data-start=\"6272\" data-end=\"6301\">Por Que Tudo Isso Importa?<\/h2>\n<p data-start=\"6303\" data-end=\"6348\">Porque medir mal n\u00e3o custa apenas dinheiro.<\/p>\n<blockquote data-start=\"6349\" data-end=\"6408\">\n<p data-start=\"6351\" data-end=\"6408\">Custa oportunidades. Custa velocidade. Custa aprendizado.<\/p>\n<\/blockquote>\n<p data-start=\"6410\" data-end=\"6588\">E porque l\u00edderes que entendem isso agora v\u00e3o ganhar vantagem exponencial \u2014 n\u00e3o por terem mais tecnologia, mas por terem melhores perguntas, melhores sistemas e melhores decis\u00f5es.<\/p>\n<p data-start=\"6590\" data-end=\"6632\"><strong data-start=\"6590\" data-end=\"6632\">Seu time est\u00e1 pronto para dar o salto?<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Como a Ci\u00eancia de Dados Est\u00e1 Reescrevendo a Atribui\u00e7\u00e3o em Fintech e Banking Digital O setor financeiro vive um paradoxo: nunca houve tantos dados dispon\u00edveis e, mesmo assim, grande parte das decis\u00f5es de marketing em fintech ainda \u00e9 tomada com informa\u00e7\u00e3o parcial ou mal interpretada. Enquanto o investimento em performance marketing cresce ano ap\u00f3s ano, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6179,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","inline_featured_image":false,"footnotes":""},"categories":[82],"tags":[],"class_list":["post-6185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-growth-marketing-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do ROI ilus\u00f3rio ao impacto real no marketing fintech - Minders<\/title>\n<meta name=\"description\" content=\"Descubra como a ci\u00eancia de dados est\u00e1 transformando o marketing fintech, com novos modelos de atribui\u00e7\u00e3o, sistemas de aprendizado em tempo real e cases que mostram como evoluir do simples reporte para decis\u00f5es baseadas em evid\u00eancias.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minders.io\/pt-br\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do ROI ilus\u00f3rio ao impacto real no marketing fintech\" \/>\n<meta property=\"og:description\" content=\"Descubra como a ci\u00eancia de dados est\u00e1 transformando o marketing fintech, com novos modelos de atribui\u00e7\u00e3o, sistemas de aprendizado em tempo real e cases que mostram como evoluir do simples reporte para decis\u00f5es baseadas em evid\u00eancias.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minders.io\/pt-br\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\/\" \/>\n<meta property=\"og:site_name\" content=\"Minders\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-14T20:13:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-14T20:36:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minders.io\/wp-content\/uploads\/2025\/11\/fondos-canva-15.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Renata Gagliardi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Renata Gagliardi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/\"},\"author\":{\"name\":\"Renata Gagliardi\",\"@id\":\"https:\\\/\\\/minders.io\\\/#\\\/schema\\\/person\\\/4aa6519ce2675e3453a412bf66f1e2e9\"},\"headline\":\"Do ROI ilus\u00f3rio ao impacto real no marketing fintech\",\"datePublished\":\"2025-11-14T20:13:04+00:00\",\"dateModified\":\"2025-11-14T20:36:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/\"},\"wordCount\":1083,\"image\":{\"@id\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/minders.io\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/fondos-canva-15.jpg\",\"articleSection\":[\"Growth Marketing\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/\",\"url\":\"https:\\\/\\\/minders.io\\\/pt-br\\\/do-roi-ilusorio-ao-impacto-real-no-marketing-fintech\\\/\",\"name\":\"Do ROI ilus\u00f3rio ao impacto real no marketing fintech - 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