Can you just link us to the relevant pieces? I rather not search on my own and read wall street propaganda on why it's bad (which is what I'm finding and not interested in).
Here's a McKinsey report on Pix, Open Banking, and Open Finance in Brazil[1]
[1] https://www.mckinsey.com/br/~/media/mckinsey/locations/south...
Here's a McKinsey report on Pix, Open Banking, and Open Finance in Brazil[1]
[1] https://www.mckinsey.com/br/~/media/mckinsey/locations/south...