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“Consumption Experience Of The Client In The Digital Economy”
IT “Lego” Architecture In A Unique And Multivaried Network
Brasil, Brasilia-DF, July 6, 215
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
Project Of Strategic Vision For The Transformation Of The Brazilian And
World Economy Into An Economy Of Knowledge In Order To Integrate
The Business And Non-business Organizations With All Sectors Of
Economy And Those Pertaining To All The Economic Activities Aiming
An Unique “Non-competitive Ecosystem - (Module 2/33).
Module 2/33
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
PART 1 - EXPANSION OF COLLECTIVE
CONSCIOUSNESS
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking”
Source - http://veja.abril.com.br/noticia/ciencia/astronomos-divulgam-mapa-tridimensional-mais-completo-do-universo-visivel/
Nasa - 43.000 Galaxies
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
PART 2 - THE PROJECT IS OF PUBLIC
DOMAIN
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
PART 3 - INTEGRATED DOMAINS
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking”
IT Architecture For
The Construction Of
“Virtual Relationship
Networks” And
Digital Banking
IT Architecture For
The Construction Of
International And
National Payment
Systems For Central
Banks
Strategic Vision For
The Transformation
Of The Brazilian And
World Macro -
Economics Into An
Economy Of
Knowledge
Process For Creation Of The “Digital Macroeconomics” - Digital Economic Activities And Sectors
SOCIAL CAPITAL SOCIAL ACTIVE
ACTIVE AMONG
ORGANIZATIONS
Architectural, Commercial, And Strategic Structure So That The Oranizations May
Participate In The Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
==========================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==========================================================================
The “Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into
An Economy Of Knowledge In Order To Integrate The Business And Non-business Organizations
With All Sectors Of Economy And Those Pertaining To All The Economic Activities Aiming An
Unique “Non-competitive Ecosystem - (Module 2/33)” is directly related to the below specified IT
project.
IT Lego Architecture - For The Construction Of Virtual Relations Network And Digital
Banking
“The Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, was
digitalized June/25/2015, with # 896494, at the 1st Office of Civil Registration of Titles and
Documents and of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas).
Available video on YouTube https://youtu.be/bNGvQ6cLUEw
Slides containing the description of the IT architecture , cited previously, are available here
http://www.rogerounielo.blogspot.com.br/2015/07/arquitetura-de-ti-lego-redes-de.html
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
==========================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==========================================================================
The “Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into
An Economy Of Knowledge In Order To Integrate The Business And Non-business Organizations
With All Sectors Of Economy And Those Pertaining To All The Economic Activities Aiming An
Unique “Non-competitive Ecosystem - (Module 2/33)” is directly related to the below specified IT
project.
IT Lego Architecture - For The Construction Of National And International Payment Systems
Of Central Banks
“The IT Lego Architecture – for the construction of National and International Payment
Systems of Central Banks - Module 01/33”, was digitalized June/25/2015, with # 896494, at
the 1st Office of Civil Registration of Titles and Documents and of Legal Parties of Brasilia -
(Public Notary’s Office Marcelo Ribas).
Available video on YouTube https://youtu.be/PkQbM_jLCug
Slides containing the description of the IT architecture , cited previously, are available here
http://www.rogerounielo.blogspot.com.br/2015/07/arquitetura-de-ti-lego-para-construcao_34.html
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Inform the project, specified below, was digitalized June/25/2015, with # 896828, at
the 1st Office of Civil Registration of Titles and Documents and of Legal Parties
of Brasilia - (Public Notary’s Office Marcelo Ribas).
A) Project Of Strategic Vision For The Transformation Of The Brazilian And
World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 01 - Link
http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica-
para.html
B) Project Of Strategic Vision For The Transformation Of The Brazilian And
World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 02 - Link
http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica-
para_6.html
C) Project Of Strategic Vision For The Transformation Of The Brazilian And
World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 03 - Link
http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica-
para_94.html
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
PART 4 - PROJECT SUMMARY
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
1. Below description of the main project structures.
2. The Human Being is the central, initial, and original focus of the organizational strategy for the
Brazilian macroeconomy, for business and non-business purposes, in order to generate a
competitive advantage in relation to other world economies, and must be supported by the
organizations, in general, in order to develop and evolve.
3. The Human Being is the center of the strategy, businesswise or not, and as such should have
his basic needs supplied by the several organizations, in the place where the product or service is
needed, without having to interrupt his experience in the world in order to fulfill his needs at
each moment, as it can be seen in the image below.
4. The concept of (Social) “Human Being Networking” is the essence of the concept of Virtual
Networking; it seeks to integrate the Human Being to his several products and services suppliers.
5. How to integrate, technologically, one organization alone, with the several moments of
consumption experiences of its client.
6. What to do in order for the networking of your organization, the pieces of programming,
the programs, systems, routines, Subroutines, applicatives, channels, channel interfaces,
and so on… of your organization so that they all are INTEGRATED, DIRECTED AND
PRESENT, at the moment of the several consumption experiences of your client in several
and different environments, in Brazil and abroad.
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
7. What should be done so that the relationship networking of your organization, the pieces of
programming, the programs, systems, Subroutines, applicatives, channels, channel interfaces and
so on… of your organization so that they all are INTEGRATED, DIRECTED AND PRESENT, at
the moment of the several consumption experiences of your client, occurring in other
relationship networks of other organizations, connected to other pieces of programming,
systems, routines, Subroutines, applicatives, channels, channel interfaces, from other
organizations, in Brazil and abroad.
8. “The Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33” IS
ORIENTED TOWARDS AN OBJECT.
9. The FIRST FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, is the
fact that the VIRTUAL RELATIONSHIP NETWORKING IS ORIENTED TOWARDS AN OBJECT.
10. The SECOND FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF
“The Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE PIECES OF PROGRAMMING ARE ORIENTED
TOWARDS AN OBJECT.
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
11. The THIRD FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE PROGRAMS ARE ORIENTED TOWARDS AN
OBJECT.
12. The FOURTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF
“The Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE SYSTEMS ARE ORIENTED TOWARDS AN
OBJECT.
13. The FIFTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE ROUTINES ARE ORIENTED TOWARDS AN
OBJECT.
14. The SIXTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE SUBROUTINES ARE ORIENTED TOWARDS AN
OBJECT.
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
15. The SEVENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the Construction of
Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an
object, IS THAT THE APPLICATIVES ARE ORIENTED TOWARDS AN OBJECT.
16. The EIGHTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the Construction of
Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an
object, IS THAT THE CHANNELS ARE ORIENTED TOWARDS AN OBJECT.
17. The NINTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the Construction of
Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an
object, IS THAT THE CHANNEL INTERFACING IS ORIENTED TOWARDS AN OBJECT.
18. The TENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The
Project of Open Architecture for Informational Technology Programming for the Construction of
Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an
object, IS THAT THE SOFTWARE SYSTEMS ARE ORIENTED TOWARDS AN OBJECT.
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
19. The ELEVENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF
“The Project of Open Architecture for Informational Technology Programming for the
Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is
oriented towards an object, IS THAT THE INFORMATIONAL TECHNOLOGY ITSELF IS
ORIENTED TOWARDS AN OBJECT.
20. With these examples, the same client is interconnected through the Virtual Relationship
Network, broadly speaking, with several organizations, at the same time, and can be served
by any one of the four organizations, during his consumption experiences, in several
situations of his daily life, and it is important to register that for the organizations, business or
non-business, the greater the number of created Virtual Relationship Networks, the greater the
number of Virtual Relationship Networks that can participate, thus the greater
COMPETITIVENESS with the other competitors; this concept of COMPETITIVENESS is
generated by the GREAT PENETRATION in the largest possible number, of COMPETITIVE
ECOSYSTEMS which enlarges the competitiveness and the delivery of VALUE TO THE
CLIENT in organizations, countries, states, cities, economic sectors and activities,
depending on the participation of the organization in a greater number of competitive
ecosystems.
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
PART 5 - STRATEGY FOR THE CRIATION OF
THE DIGITAL BRAZILIAN MACROECONOMICS
AND DIGITAL ECONOMIC ACTIVITIES
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
==========================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==========================================================================
For Your Knowledge,
1. Theme for Analysis: The “Brazilian Competitive Strategic Architectural Definition –
Lego”. For Organizations in Brazil and Abroad, Financial and Non-Financial, to
Participate in the Sale of Products and Services During the Consumption Experience of
the Client in the “Digital Age”, using the Platform of Virtual Relations, Pattern, Brazilian
Management or, in its Resumed Form, “Architectural, Commercial, and Strategic
Structure so that the Organizations may Participate in the Consumption Experience of
the Clients”.
2. If the National Financial System and the other private enterprise organisations, with profit
objectives of not, create the “Architectural, Business, and Strategic Structure in Order for
the Organizations to Participate in the Consumption Experience of the Clients”, they will
have a High Exchanging Power, in Brazil, due to two reasons:
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
3. First reason - If the financial institutions and other free enterprise organisations,
with profit objectives or not, invest in the creation of the “Architectural,
Commercial, And Strategic Structure So That The Oranizations May
Participate In The Consumption Experience Of The Clients” no one else will
create such a structure in Brazil, since it represents a high investment in order
to create and maintain the “Architectural, Commercial, And Strategic Structure
So That The Oranizations May Participate In The Consumption Experience Of
The Clients”, and thus the National Financing System, together with the other
private enterprise organisations, with profit objectives or not, become
“strategic managers” of the “Digital Age”, in Brazil and also IN THE WORLD, IF
THE PATTERN IS ADOPTED BY ALL THE FINANCIAL INSTITUTIONS IN THE
WORLD and companies such as Google, Apple and NON-FINANCIAL
ORGANIZATIONS, IN GENERAL, WHICH OFFER, IN THE DIGITAL WORLD,
FINANCIAL PRODUCTS OR NOT, etc... Will have to negotiate with the National
Financing System and with the other free enterprise organisations, with profit
objectives or not, in order to enter in the “Architectural, Commercial, And
Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients”.
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
4. Second Reason - The National Financial System and the other organisations of private
enterprise, with profit objectives or not, besides having the “Architectural, Commercial And
Strategic Structure So That Organizations May Participate In The Consumption Experience
Of The Client” will be obliged to become participants in any “Virtual Relationship Network”,
from any organization, national or foreign, for the sale of products and services, financial and
non-financial; this way, the National Financial System and the other Brazilian free enterprise
organisations, with profit objectives or not, will increase even more their power of exchange in the
“Digital Age”.
5. On the other hand, if the financial institutions and other Brazilian private initiative
organisations, with profit objectives or not, do not create the “Architectural, Commercial And
Strategic Structure So That Organizations May Participate In The Consumption Experience
Of The Client” to be the standard pattern in the BRAZILIAN Market, in the “Digital Age”,
someone will create some pattern through which the National Financial System and other
Brazilian private enterprise organisations, with profit objectives or not, will have to adapt
themselves and thus, the National Financial System and the other Brazilian private
initiative organisations, with profit objectives or not, will lose, each time more and more,
the power of exchange in the BRAZILIAN Market of the “Digital Age”; considering that the non-
financial organisations abroad who offer financial and non-financial services for the BRAZILIAN
Market, can join efforts in order to create a pattern which will allow the “Architectural,
Commercial And Strategic Structure So That Organizations May Participate In The
Consumption Experience Of The Clients.”
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
6. Thus, the FINANCIAL INSTITUTIONS AND THE OTHER FREE ENTERPRISE
ORGANIZATIONS, BRAZILIANS, WITH PROFIT OBJECTIVES OR NOT, RUN
A SERIOUS RISK OF DISAPPEARING, SINCE, IN THIS NEW ARENA OF
COMPATTION, NOT ONLY DIE TO THE LACK OF USE OF THER
FINANCIAN AND NON-FINANCIAL PRODUCTS AND SERVICES WHICH
ARE IN PROCESS OF BEING SUBSTITUTED BY FINANCIAL SERVICES
AND PRODUCTS BEING OFFERED BY FINANCIAL AND NON-FINANCIAL
ORGANIZATIONS FROM ABROAD, due to the fact that they may, in the near
future, also need to participate in the “Architectural, Commercial And
Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients”, created by organisations, financial
and non-financial, abroad, which are offering financial and non-financial
products, strong competitors of the National Financial System and from the
other Brazilian free enterprise organisations, with profit objectives or not and,
thus, become able to participate passively, of a standard process of relationship
with the Market, BRAZILIAN, in the “Digital Age”; this may harm the interests
of the National Financial System and other free enterprise organisations with
profit objectives or not.
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
7. Expected Results:
A) To create, in the Brazilian Market, an “Architectural, Commercial And Strategic Structure So
That The Organizations May Participate In The Consumption Experience Of The Clients”, to
be used by the National Financial System and by the other free enterprise organisations, with profit
objectives or not, from Brazil and from abroad, in order to participate in the experience of the
client, in the “Digital Age.”
B) To allow the National Financial System and the other Brazilian free enterprise organisations,
with profit objectives or not, to have an “Arhitectural, Commercial And Strategic Structure In
Order To Participate In The Consumption Experience Of The Clients”, facilitating the
expansion of the “Digital Age” in Brazil; it will also allow the National Financial System and the
other Brazilian free enterprise organisations, with profit objectives or not, to have lower costs while
developing, maintaining and making adjustments in their systems and supporting activities, so that
the organisations may participate, in general, in the experience of the clients, in the “Digital Age”.
C) To expand the digital business in Brazil, in a standard way, to guarantee COMPETITION AND
SUSTAINAIBILITY OF THE DIGITAL BUSINESS IN THE BRAZILIAN DIGITAL
MACROECONOMICS and in the digital business of the various economic and activities and
sectors in Brazil, in comparison with the digital business offered by other DIGITAL
MACROECONOMICS FIRMS, competitors of the BRAZILIAN DIGITAL MACROECONOMICS as
well as Brazilian competitors from DIGITAL ECONOMIC SECTORS and DIGITAL ECONOMIC
ACTIVITIES.
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
D) To create an entrance barrier for business and non-business organisations from abroad, who
may be offering products and services, financial and non-financial, in Brazil, in the “Digital Age”,
so that the competition may proceed according to equalitarian principles and criteria,
defined by Brazilian economic agents, and not through mere adhesion to competition
principles imposed by foreign enterprises and organisations.
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
8. Expected Benefits:
E) Competitive and sustainable expansion of the BRAZILIAN DIGITAL
MACROECONOMICS, in the “Digital Age”.
F) Competitive and sustainable expansion of the Brazilian DIGITAL
ECONOMIC SECTORS and DIGITAL ECONOMIC ACTIVITIES, in the “Digital
Age”.
G) Development of high human values in the creation of “Virtual Relationship
Networks”, “Digital Banking”, BRAZILIAN DIGITAL MACROECONOMICS,
DIGITAL ECONOMIC SECTORS and DIGITAL ECONOMIC ACTIVITIES, in
Brazil, by business and non-business organisations, so that a minimum of
regulation and unified thought may create adequate conditions for the
development of the “Digital Age” in Brazil; this will avoid abuses by the
economic agents, once the regulation of the market will contain
activities totally free from managers and from imposition of
responsibilities, supported by a legal frame and being adequally regulated.
PART 6 - IMPORTANT REMARKS
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Important Warnings
==================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==================================================================
1. It will demand a great effort of the organizations in Brazil as well as in the rest of the
world in order to adjust themselves to the same pattern of informational technology,
oriented to the concept of Object and to the “concept of lego”, in several levels, to
enable them to create their own Virtual Relationship Networks and to participate in
the Virtual Relationship Networks of other organizations, duly integrated with the
Digital Banking of several financial and nonfinancial organizations, in Brazil and
abroad; this will also be necessary in order for them to operate, in an integrated pattern
with the “Project of Open Architecture of Informational Technology Programming
for the Construction of National and International Payment Systems by the
Central Banks - Module 01/33”, protocoled, registered and digitalized June/25/2015,
with # 896494, at the 1st Office of Civil Registration of Titles and Documents and
of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas), Setor
Comercial Sul –SCS, Quadra 08, Bloco D-60, Sala 140-E, 1o andar, Edifício Venâncio
2000, CEP 70.333-900, phone (61) 3224-4026.
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Important Warnings
==================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==================================================================
2. If there is not, in Brazil and in the rest of the world, the construction of Virtual
Relationship Networks, based on the same vision and operating with flexible
technologies, Organization 1 develops a technological effort to adapt itself to Digital
Banking A and to the Virtual Relationship Network A, at Moment 1.
3. During Moment 2 (six months later), the same Organization 1 must undergo a new
technological effort to adapt itself to Digital Banking A, and to the Virtual Relationship
Network B.
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Important Warnings
==================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==================================================================
4. If this Organization 1 operate with 12 digital banks, six from the financial
institutions and 6 owned by non-financial institutions, and wish to participate in the
300 Virtual Relationship Networks, it will take an eternity to adjust each one with
the technological patterns that will be imposed by each partner and partnership;
and when necessity arises to promote adjustments in the programming, channel,
channel interfacing, systems, and applicatives with each one of the 12 digital
banks or with each one of the 300 Virtual Relationship Networks, the successive
and constant technological efforts will be each time more expensive.
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Important Warnings
==================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==================================================================
5. As from a determined moment, the consumption of the technological structure
of Organization 1 will be so great that this organization will lose its efficiency,
efficacy and results, as it grows in the economic knowledge market.
6. At the end, although all the efforts of Organization 1 through employing huge
resources, will tend to lose competitiveness, in the economic knowledge market,
each time more, as time goes by, considering the speed of changes that are
occurring in this kind of market, each time greater and at intervals each time
smaller.
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Important Warnings
==================================================================
Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency
==================================================================
7. Due to the motives exposed previously, it is HIGHLY recommended that the
business and non-business organizations, from public and private initiatives, as
well as the financial institutions and respective regulating agencies such as the
National Monetary Council – CMN, the Central Bank of Brazil – Bacen, the
Brazilian Federation of Banks – Febraban, the Central Bank of the Central Banks
– BIS, form a multidisciplinary group, with participants from Brazil and abroad, in
order to discuss a project, in common, for the creation of Virtual Relationship Networks,
Digital Banking, and Payment Systems, national and international, with integrated
operations, in Brazil and in the rest of the world, so that the effort for the construction of
the “Knowledge Economy”, in Brazil and abroad, be as small as possible, observing the
INNOVATING paradigms, different from those used now to technologically provide the
present informational technology systems.
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
PART 7 - BEGINNING OF DETAILS ABOUT THE
PROJECT
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The
Consumption Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption
Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption
Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption
Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption
Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being Is The Center Of The Organizational Strategy
Virtual Relationship Network 1
Virtual Relationship Network 2
Virtual Relationship Network 3
Virtual Relationship Network 4
Virtual Relationship Network 5
Virtual Relationship Network 6
Virtual Relationship Network 7
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Virtual Relationship Network 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The
Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being Is The Center Of The Organizational Strategy
Virtual Relationship Network 1
Virtual Relationship Network 2
Virtual Relationship Network 3
Virtual Relationship Network 4
Virtual Relationship Network 5
Virtual Relationship Network 6
Virtual Relationship Network 7
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Virtual Relationship Network 21
Virtual Relationship Network 22
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Virtual Relationship Network 24
Virtual Relationship Network 25
Virtual Relationship Network 26
Virtual Relationship Network 27
Virtual Relationship Network 28
Virtual Relationship Network 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being Is The Center Of The Organizational Strategy
Pieces of Programming 1
Pieces of Programming 2
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Pieces of Programming 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being Is The Center Of The Organizational Strategy
Pieces of Programming nº 1
Pieces of Programming nº 2
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Pieces of Programming nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being Is The Center Of The Organizational Strategy
Pieces of Programming nº 1
Pieces of Programming nº 2
Pieces of Programming nº 3
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Pieces of Programming nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being Is The Center Of The Organizational Strategy
Pieces of Programming nº 1
Pieces of Programming nº 2
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Pieces of Programming nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS IN THE
EXPERIENCES OF THE CLIENT SIMULTANEIOUSLY AND THROUGHOUT TIME
The Human Being Is The Center Of The Organizational Strategy - Programming Part
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being Is The Center Of The Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being Is The Center Of The Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
Channel Interface nº 3
Channel Interface nº 4
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
Channel Interface nº 3
Channel Interface nº 4
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being Is The Center Of The Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
Channel Interface nº 3
Channel Interface nº 4
Channel Interface nº 5
Channel Interface nº 6
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being Is The Center Of The Organizational Strategy
Channel Interface nº 1
Channel Interface nº 2
Channel Interface nº 3
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE
ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME
The Human Being is the Center of the Organizational Strategy - Channel Interface
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
Channel nº 4
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
Channel nº 4
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
Channel nº 4
Channel nº 5
Channel nº 6
Channel nº 7
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Channel nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
Channel nº 4
Channel nº 5
Channel nº 6
Channel nº 7
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Channel nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being is the Center of the Organizational Strategy
Channel nº 1
Channel nº 2
Channel nº 3
Channel nº 4
Channel nº 5
Channel nº 6
Channel nº 7
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Channel nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRAÇÃO DE MÚLTIPLAS
ORGANIZAÇÕES NAS EXPERIÊNCIAS DO CLIENTE AO MESMO TEMPO AO LONGO TEMPO
The Human Being is the Center of the Organizational Strategy - Channel
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE
ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME
The Human Being is the Center of the Organizational Strategy - Site
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being is the Center of the Organizational Strategy
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE
ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME
The Human Being is the Center of the Organizational Strategy - Routine
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
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Subroutine nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4
The Human Being is the Center of the Organizational Strategy
Subroutine nº 1
Subroutine nº 2
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Subroutine nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE
ORGANIZATIONS INTHE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME
The Human Being is the Center of the Organizational Strategy - Subroutine
ORGANIZATION 1 ORGANIZATION 2
ORGANIZATION 3 ORGANIZATION 4
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Applicative nº 1
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Applicative nº 29
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy
The Human Being is the Center of the Organizational Strategy
Applicative nº 1
Applicative nº 2
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1
The Human Being is the Center of the Organizational Strategy
Applicative nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2
The Human Being is the Center of the Organizational Strategy
Applicative nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3
The Human Being is the Center of the Organizational Strategy
Applicative nº 1
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The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The
Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity
Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network
Digital Macroeconomics Virtual Relationship Network

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Digital Macroeconomics Virtual Relationship Network

  • 1. “Consumption Experience Of The Client In The Digital Economy” IT “Lego” Architecture In A Unique And Multivaried Network Brasil, Brasilia-DF, July 6, 215 Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge In Order To Integrate The Business And Non-business Organizations With All Sectors Of Economy And Those Pertaining To All The Economic Activities Aiming An Unique “Non-competitive Ecosystem - (Module 2/33). Module 2/33
  • 2. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” PART 1 - EXPANSION OF COLLECTIVE CONSCIOUSNESS Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 3. Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 4. Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking” Source - http://veja.abril.com.br/noticia/ciencia/astronomos-divulgam-mapa-tridimensional-mais-completo-do-universo-visivel/ Nasa - 43.000 Galaxies Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 5. Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 6. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” PART 2 - THE PROJECT IS OF PUBLIC DOMAIN Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 7. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 8. PART 3 - INTEGRATED DOMAINS Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 9. Digital Macroeconomics - “Virtual Relationship Network” - “Digital Banking” IT Architecture For The Construction Of “Virtual Relationship Networks” And Digital Banking IT Architecture For The Construction Of International And National Payment Systems For Central Banks Strategic Vision For The Transformation Of The Brazilian And World Macro - Economics Into An Economy Of Knowledge Process For Creation Of The “Digital Macroeconomics” - Digital Economic Activities And Sectors SOCIAL CAPITAL SOCIAL ACTIVE ACTIVE AMONG ORGANIZATIONS Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 10. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” ========================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ========================================================================== The “Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge In Order To Integrate The Business And Non-business Organizations With All Sectors Of Economy And Those Pertaining To All The Economic Activities Aiming An Unique “Non-competitive Ecosystem - (Module 2/33)” is directly related to the below specified IT project. IT Lego Architecture - For The Construction Of Virtual Relations Network And Digital Banking “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, was digitalized June/25/2015, with # 896494, at the 1st Office of Civil Registration of Titles and Documents and of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas). Available video on YouTube https://youtu.be/bNGvQ6cLUEw Slides containing the description of the IT architecture , cited previously, are available here http://www.rogerounielo.blogspot.com.br/2015/07/arquitetura-de-ti-lego-redes-de.html Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 11. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” ========================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ========================================================================== The “Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge In Order To Integrate The Business And Non-business Organizations With All Sectors Of Economy And Those Pertaining To All The Economic Activities Aiming An Unique “Non-competitive Ecosystem - (Module 2/33)” is directly related to the below specified IT project. IT Lego Architecture - For The Construction Of National And International Payment Systems Of Central Banks “The IT Lego Architecture – for the construction of National and International Payment Systems of Central Banks - Module 01/33”, was digitalized June/25/2015, with # 896494, at the 1st Office of Civil Registration of Titles and Documents and of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas). Available video on YouTube https://youtu.be/PkQbM_jLCug Slides containing the description of the IT architecture , cited previously, are available here http://www.rogerounielo.blogspot.com.br/2015/07/arquitetura-de-ti-lego-para-construcao_34.html Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 12. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Inform the project, specified below, was digitalized June/25/2015, with # 896828, at the 1st Office of Civil Registration of Titles and Documents and of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas). A) Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 01 - Link http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica- para.html B) Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 02 - Link http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica- para_6.html C) Project Of Strategic Vision For The Transformation Of The Brazilian And World Economy Into An Economy Of Knowledge - (Module 2/33) - Part 03 - Link http://www.rogerounielo.blogspot.com.br/2015/07/projeto-de-visao-estrategica- para_94.html Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 13. PART 4 - PROJECT SUMMARY Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 14. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” 1. Below description of the main project structures. 2. The Human Being is the central, initial, and original focus of the organizational strategy for the Brazilian macroeconomy, for business and non-business purposes, in order to generate a competitive advantage in relation to other world economies, and must be supported by the organizations, in general, in order to develop and evolve. 3. The Human Being is the center of the strategy, businesswise or not, and as such should have his basic needs supplied by the several organizations, in the place where the product or service is needed, without having to interrupt his experience in the world in order to fulfill his needs at each moment, as it can be seen in the image below. 4. The concept of (Social) “Human Being Networking” is the essence of the concept of Virtual Networking; it seeks to integrate the Human Being to his several products and services suppliers. 5. How to integrate, technologically, one organization alone, with the several moments of consumption experiences of its client. 6. What to do in order for the networking of your organization, the pieces of programming, the programs, systems, routines, Subroutines, applicatives, channels, channel interfaces, and so on… of your organization so that they all are INTEGRATED, DIRECTED AND PRESENT, at the moment of the several consumption experiences of your client in several and different environments, in Brazil and abroad. Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 15. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” 7. What should be done so that the relationship networking of your organization, the pieces of programming, the programs, systems, Subroutines, applicatives, channels, channel interfaces and so on… of your organization so that they all are INTEGRATED, DIRECTED AND PRESENT, at the moment of the several consumption experiences of your client, occurring in other relationship networks of other organizations, connected to other pieces of programming, systems, routines, Subroutines, applicatives, channels, channel interfaces, from other organizations, in Brazil and abroad. 8. “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33” IS ORIENTED TOWARDS AN OBJECT. 9. The FIRST FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, is the fact that the VIRTUAL RELATIONSHIP NETWORKING IS ORIENTED TOWARDS AN OBJECT. 10. The SECOND FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE PIECES OF PROGRAMMING ARE ORIENTED TOWARDS AN OBJECT. Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 16. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” 11. The THIRD FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE PROGRAMS ARE ORIENTED TOWARDS AN OBJECT. 12. The FOURTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE SYSTEMS ARE ORIENTED TOWARDS AN OBJECT. 13. The FIFTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE ROUTINES ARE ORIENTED TOWARDS AN OBJECT. 14. The SIXTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE SUBROUTINES ARE ORIENTED TOWARDS AN OBJECT. Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 17. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” 15. The SEVENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE APPLICATIVES ARE ORIENTED TOWARDS AN OBJECT. 16. The EIGHTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE CHANNELS ARE ORIENTED TOWARDS AN OBJECT. 17. The NINTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE CHANNEL INTERFACING IS ORIENTED TOWARDS AN OBJECT. 18. The TENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE SOFTWARE SYSTEMS ARE ORIENTED TOWARDS AN OBJECT. Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 18. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” 19. The ELEVENTH FUNDAMENTAL POINT IN ORDER TO UNDERSTAND THE CONCEPT OF “The Project of Open Architecture for Informational Technology Programming for the Construction of Virtual Relations Networks and of Digital Banking - Module 01/33”, which is oriented towards an object, IS THAT THE INFORMATIONAL TECHNOLOGY ITSELF IS ORIENTED TOWARDS AN OBJECT. 20. With these examples, the same client is interconnected through the Virtual Relationship Network, broadly speaking, with several organizations, at the same time, and can be served by any one of the four organizations, during his consumption experiences, in several situations of his daily life, and it is important to register that for the organizations, business or non-business, the greater the number of created Virtual Relationship Networks, the greater the number of Virtual Relationship Networks that can participate, thus the greater COMPETITIVENESS with the other competitors; this concept of COMPETITIVENESS is generated by the GREAT PENETRATION in the largest possible number, of COMPETITIVE ECOSYSTEMS which enlarges the competitiveness and the delivery of VALUE TO THE CLIENT in organizations, countries, states, cities, economic sectors and activities, depending on the participation of the organization in a greater number of competitive ecosystems. Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 19. PART 5 - STRATEGY FOR THE CRIATION OF THE DIGITAL BRAZILIAN MACROECONOMICS AND DIGITAL ECONOMIC ACTIVITIES Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients
  • 20. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” ========================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ========================================================================== For Your Knowledge, 1. Theme for Analysis: The “Brazilian Competitive Strategic Architectural Definition – Lego”. For Organizations in Brazil and Abroad, Financial and Non-Financial, to Participate in the Sale of Products and Services During the Consumption Experience of the Client in the “Digital Age”, using the Platform of Virtual Relations, Pattern, Brazilian Management or, in its Resumed Form, “Architectural, Commercial, and Strategic Structure so that the Organizations may Participate in the Consumption Experience of the Clients”. 2. If the National Financial System and the other private enterprise organisations, with profit objectives of not, create the “Architectural, Business, and Strategic Structure in Order for the Organizations to Participate in the Consumption Experience of the Clients”, they will have a High Exchanging Power, in Brazil, due to two reasons: Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 21. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients 3. First reason - If the financial institutions and other free enterprise organisations, with profit objectives or not, invest in the creation of the “Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients” no one else will create such a structure in Brazil, since it represents a high investment in order to create and maintain the “Architectural, Commercial, And Strategic Structure So That The Oranizations May Participate In The Consumption Experience Of The Clients”, and thus the National Financing System, together with the other private enterprise organisations, with profit objectives or not, become “strategic managers” of the “Digital Age”, in Brazil and also IN THE WORLD, IF THE PATTERN IS ADOPTED BY ALL THE FINANCIAL INSTITUTIONS IN THE WORLD and companies such as Google, Apple and NON-FINANCIAL ORGANIZATIONS, IN GENERAL, WHICH OFFER, IN THE DIGITAL WORLD, FINANCIAL PRODUCTS OR NOT, etc... Will have to negotiate with the National Financing System and with the other free enterprise organisations, with profit objectives or not, in order to enter in the “Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients”.
  • 22. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients 4. Second Reason - The National Financial System and the other organisations of private enterprise, with profit objectives or not, besides having the “Architectural, Commercial And Strategic Structure So That Organizations May Participate In The Consumption Experience Of The Client” will be obliged to become participants in any “Virtual Relationship Network”, from any organization, national or foreign, for the sale of products and services, financial and non-financial; this way, the National Financial System and the other Brazilian free enterprise organisations, with profit objectives or not, will increase even more their power of exchange in the “Digital Age”. 5. On the other hand, if the financial institutions and other Brazilian private initiative organisations, with profit objectives or not, do not create the “Architectural, Commercial And Strategic Structure So That Organizations May Participate In The Consumption Experience Of The Client” to be the standard pattern in the BRAZILIAN Market, in the “Digital Age”, someone will create some pattern through which the National Financial System and other Brazilian private enterprise organisations, with profit objectives or not, will have to adapt themselves and thus, the National Financial System and the other Brazilian private initiative organisations, with profit objectives or not, will lose, each time more and more, the power of exchange in the BRAZILIAN Market of the “Digital Age”; considering that the non- financial organisations abroad who offer financial and non-financial services for the BRAZILIAN Market, can join efforts in order to create a pattern which will allow the “Architectural, Commercial And Strategic Structure So That Organizations May Participate In The Consumption Experience Of The Clients.”
  • 23. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients 6. Thus, the FINANCIAL INSTITUTIONS AND THE OTHER FREE ENTERPRISE ORGANIZATIONS, BRAZILIANS, WITH PROFIT OBJECTIVES OR NOT, RUN A SERIOUS RISK OF DISAPPEARING, SINCE, IN THIS NEW ARENA OF COMPATTION, NOT ONLY DIE TO THE LACK OF USE OF THER FINANCIAN AND NON-FINANCIAL PRODUCTS AND SERVICES WHICH ARE IN PROCESS OF BEING SUBSTITUTED BY FINANCIAL SERVICES AND PRODUCTS BEING OFFERED BY FINANCIAL AND NON-FINANCIAL ORGANIZATIONS FROM ABROAD, due to the fact that they may, in the near future, also need to participate in the “Architectural, Commercial And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients”, created by organisations, financial and non-financial, abroad, which are offering financial and non-financial products, strong competitors of the National Financial System and from the other Brazilian free enterprise organisations, with profit objectives or not and, thus, become able to participate passively, of a standard process of relationship with the Market, BRAZILIAN, in the “Digital Age”; this may harm the interests of the National Financial System and other free enterprise organisations with profit objectives or not.
  • 24. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients 7. Expected Results: A) To create, in the Brazilian Market, an “Architectural, Commercial And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients”, to be used by the National Financial System and by the other free enterprise organisations, with profit objectives or not, from Brazil and from abroad, in order to participate in the experience of the client, in the “Digital Age.” B) To allow the National Financial System and the other Brazilian free enterprise organisations, with profit objectives or not, to have an “Arhitectural, Commercial And Strategic Structure In Order To Participate In The Consumption Experience Of The Clients”, facilitating the expansion of the “Digital Age” in Brazil; it will also allow the National Financial System and the other Brazilian free enterprise organisations, with profit objectives or not, to have lower costs while developing, maintaining and making adjustments in their systems and supporting activities, so that the organisations may participate, in general, in the experience of the clients, in the “Digital Age”. C) To expand the digital business in Brazil, in a standard way, to guarantee COMPETITION AND SUSTAINAIBILITY OF THE DIGITAL BUSINESS IN THE BRAZILIAN DIGITAL MACROECONOMICS and in the digital business of the various economic and activities and sectors in Brazil, in comparison with the digital business offered by other DIGITAL MACROECONOMICS FIRMS, competitors of the BRAZILIAN DIGITAL MACROECONOMICS as well as Brazilian competitors from DIGITAL ECONOMIC SECTORS and DIGITAL ECONOMIC ACTIVITIES.
  • 25. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients D) To create an entrance barrier for business and non-business organisations from abroad, who may be offering products and services, financial and non-financial, in Brazil, in the “Digital Age”, so that the competition may proceed according to equalitarian principles and criteria, defined by Brazilian economic agents, and not through mere adhesion to competition principles imposed by foreign enterprises and organisations.
  • 26. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients 8. Expected Benefits: E) Competitive and sustainable expansion of the BRAZILIAN DIGITAL MACROECONOMICS, in the “Digital Age”. F) Competitive and sustainable expansion of the Brazilian DIGITAL ECONOMIC SECTORS and DIGITAL ECONOMIC ACTIVITIES, in the “Digital Age”. G) Development of high human values in the creation of “Virtual Relationship Networks”, “Digital Banking”, BRAZILIAN DIGITAL MACROECONOMICS, DIGITAL ECONOMIC SECTORS and DIGITAL ECONOMIC ACTIVITIES, in Brazil, by business and non-business organisations, so that a minimum of regulation and unified thought may create adequate conditions for the development of the “Digital Age” in Brazil; this will avoid abuses by the economic agents, once the regulation of the market will contain activities totally free from managers and from imposition of responsibilities, supported by a legal frame and being adequally regulated.
  • 27. PART 6 - IMPORTANT REMARKS Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 28. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Important Warnings ================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ================================================================== 1. It will demand a great effort of the organizations in Brazil as well as in the rest of the world in order to adjust themselves to the same pattern of informational technology, oriented to the concept of Object and to the “concept of lego”, in several levels, to enable them to create their own Virtual Relationship Networks and to participate in the Virtual Relationship Networks of other organizations, duly integrated with the Digital Banking of several financial and nonfinancial organizations, in Brazil and abroad; this will also be necessary in order for them to operate, in an integrated pattern with the “Project of Open Architecture of Informational Technology Programming for the Construction of National and International Payment Systems by the Central Banks - Module 01/33”, protocoled, registered and digitalized June/25/2015, with # 896494, at the 1st Office of Civil Registration of Titles and Documents and of Legal Parties of Brasilia - (Public Notary’s Office Marcelo Ribas), Setor Comercial Sul –SCS, Quadra 08, Bloco D-60, Sala 140-E, 1o andar, Edifício Venâncio 2000, CEP 70.333-900, phone (61) 3224-4026. Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 29. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Important Warnings ================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ================================================================== 2. If there is not, in Brazil and in the rest of the world, the construction of Virtual Relationship Networks, based on the same vision and operating with flexible technologies, Organization 1 develops a technological effort to adapt itself to Digital Banking A and to the Virtual Relationship Network A, at Moment 1. 3. During Moment 2 (six months later), the same Organization 1 must undergo a new technological effort to adapt itself to Digital Banking A, and to the Virtual Relationship Network B. Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 30. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Important Warnings ================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ================================================================== 4. If this Organization 1 operate with 12 digital banks, six from the financial institutions and 6 owned by non-financial institutions, and wish to participate in the 300 Virtual Relationship Networks, it will take an eternity to adjust each one with the technological patterns that will be imposed by each partner and partnership; and when necessity arises to promote adjustments in the programming, channel, channel interfacing, systems, and applicatives with each one of the 12 digital banks or with each one of the 300 Virtual Relationship Networks, the successive and constant technological efforts will be each time more expensive. Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 31. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Important Warnings ================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ================================================================== 5. As from a determined moment, the consumption of the technological structure of Organization 1 will be so great that this organization will lose its efficiency, efficacy and results, as it grows in the economic knowledge market. 6. At the end, although all the efforts of Organization 1 through employing huge resources, will tend to lose competitiveness, in the economic knowledge market, each time more, as time goes by, considering the speed of changes that are occurring in this kind of market, each time greater and at intervals each time smaller. Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 32. Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Important Warnings ================================================================== Occult Masonry - Decree Grade 666 - 7th Level - 49th Potency ================================================================== 7. Due to the motives exposed previously, it is HIGHLY recommended that the business and non-business organizations, from public and private initiatives, as well as the financial institutions and respective regulating agencies such as the National Monetary Council – CMN, the Central Bank of Brazil – Bacen, the Brazilian Federation of Banks – Febraban, the Central Bank of the Central Banks – BIS, form a multidisciplinary group, with participants from Brazil and abroad, in order to discuss a project, in common, for the creation of Virtual Relationship Networks, Digital Banking, and Payment Systems, national and international, with integrated operations, in Brazil and in the rest of the world, so that the effort for the construction of the “Knowledge Economy”, in Brazil and abroad, be as small as possible, observing the INNOVATING paradigms, different from those used now to technologically provide the present informational technology systems. Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 33. PART 7 - BEGINNING OF DETAILS ABOUT THE PROJECT Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 34. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 35. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 36. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 37. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking” Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 38. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 39. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 40. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 41. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 42. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 43. Consumption Experience Of The Client In The Digital Economy The Human Being Is The Center Of The Organizational Strategy Virtual Relationship Network 1 Virtual Relationship Network 2 Virtual Relationship Network 3 Virtual Relationship Network 4 Virtual Relationship Network 5 Virtual Relationship Network 6 Virtual Relationship Network 7 Virtual Relationship Network 8 Virtual Relationship Network 9 Virtual Relationship Network 10 Virtual Relationship Network 11 Virtual Relationship Network 12 Virtual Relationship Network 13 Virtual Relationship Network 14 Virtual Relationship Network 15 Virtual Relationship Network16 Virtual Relationship Network 17 Virtual Relationship Network18 Virtual Relationship Network 19 Virtual Relationship Network 20 Virtual Relationship Network 21 Virtual Relationship Network 22 Virtual Relationship Network 23 Virtual Relationship Network 24 Virtual Relationship Network 25 Virtual Relationship Network 26 Virtual Relationship Network 27 Virtual Relationship Network 28 Virtual Relationship Network 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 44. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 45. Consumption Experience Of The Client In The Digital Economy The Human Being Is The Center Of The Organizational Strategy Virtual Relationship Network 1 Virtual Relationship Network 2 Virtual Relationship Network 3 Virtual Relationship Network 4 Virtual Relationship Network 5 Virtual Relationship Network 6 Virtual Relationship Network 7 Virtual Relationship Network 8 Virtual Relationship Network 9 Virtual Relationship Network 10 Virtual Relationship Network 11 Virtual Relationship Network 12 Virtual Relationship Network 13 Virtual Relationship Network 14 Virtual Relationship Network 15 Virtual Relationship Network 16 Virtual Relationship Network 17 Virtual Relationship Network 18 Virtual Relationship Network 19 Virtual Relationship Network 20 Virtual Relationship Network 21 Virtual Relationship Network 22 Virtual Relationship Network 23 Virtual Relationship Network 24 Virtual Relationship Network 25 Virtual Relationship Network 26 Virtual Relationship Network 27 Virtual Relationship Network 28 Virtual Relationship Network 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 46. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 47. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being Is The Center Of The Organizational Strategy Pieces of Programming 1 Pieces of Programming 2 Pieces of Programming 3 Pieces of Programming 4 Pieces of Programming 5 Pieces of Programming 6 Pieces of Programming 7 Pieces of Programming 8 Pieces of Programming 9 Pieces of Programming 10 Pieces of Programming 11 Pieces of Programming 12 Pieces of Programming 13 Pieces of Programming 14 Pieces of Programming 15 Pieces of Programming 16 Pieces of Programming 17 Pieces of Programming 18 Pieces of Programming 19 Pieces of Programming 20 Pieces of Programming 21 Pieces of Programming 22 Pieces of Programming 23 Pieces of Programming 24 Pieces of Programming 25 Pieces of Programming 26 Pieces of Programming 27 Pieces of Programming 28 Pieces of Programming 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 48. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 49. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being Is The Center Of The Organizational Strategy Pieces of Programming nº 1 Pieces of Programming nº 2 Pieces of Programming nº 3 Pieces of Programming nº 4 Pieces of Programming nº 5 Pieces of Programming nº 6 Pieces of Programming nº 7 Pieces of Programming nº 8 Pieces of Programming nº 9 Pieces of Programming nº 10 Pieces of Programming nº 11 Pieces of Programming nº 12 Pieces of Programming nº 13 Pieces of Programming nº 14 Pieces of Programming nº 15 Pieces of Programming nº 16 Pieces of Programming nº 17 Pieces of Programming nº 18 Pieces of Programming nº 19 Pieces of Programming nº 20 Pieces of Programming nº 21 Pieces of Programming nº 22 Pieces of Programming nº 23 Pieces of Programming nº 24 Pieces of Programming nº 25 Pieces of Programming nº 26 Pieces of Programming nº 27 Pieces of Programming nº 28 Pieces of Programming nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Architectural, Commercial, And Strategic Structure So That The Organizations May Participate In The Consumption Experience Of The Clients
  • 50. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 51. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being Is The Center Of The Organizational Strategy Pieces of Programming nº 1 Pieces of Programming nº 2 Pieces of Programming nº 3 Pieces of Programming nº 4 Pieces of Programming nº 5 Pieces of Programming nº 6 Pieces of Programming nº 7 Pieces of Programming nº 8 Pieces of Programming nº 9 Pieces of Programming nº 10 Pieces of Programming nº 11 Pieces of Programming nº 12 Pieces of Programming nº 13 Pieces of Programming nº 14 Pieces of Programming nº 15 Pieces of Programming nº 16 Pieces of Programming nº 17 Pieces of Programming nº 18 Pieces of Programming nº 19 Pieces of Programming nº 20 Pieces of Programming nº 21 Pieces of Programming nº 22 Pieces of Programming nº 23 Pieces of Programming nº 24 Pieces of Programming nº 25 Pieces of Programming nº 26 Pieces of Programming nº 27 Pieces of Programming nº 28 Pieces of Programming nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 52. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 53. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being Is The Center Of The Organizational Strategy Pieces of Programming nº 1 Pieces of Programming nº 2 Pieces of Programming nº 3 Pieces of Programming nº 4 Pieces of Programming nº 5 Pieces of Programming nº 6 Pieces of Programming nº 7 Pieces of Programming nº 8 Pieces of Programming nº 9 Pieces of Programming nº 10 Pieces of Programming nº 11 Pieces of Programming nº 12 Pieces of Programming nº 13 Pieces of Programming nº 14 Pieces of Programming nº 15 Pieces of Programming nº 16 Pieces of Programming nº 17 Pieces of Programming nº 18 Pieces of Programming nº 19 Pieces of Programming nº 20 Pieces of Programming nº 21 Pieces of Programming nº 22 Pieces of Programming nº 23 Pieces of Programming nº 24 Pieces of Programming nº 25 Pieces of Programming nº 26 Pieces of Programming nº 27 Pieces of Programming nº 28 Pieces of Programming nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 54. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 55. Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEIOUSLY AND THROUGHOUT TIME The Human Being Is The Center Of The Organizational Strategy - Programming Part ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 56. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 57. Consumption Experience Of The Client In The Digital Economy The Human Being Is The Center Of The Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 58. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 59. Consumption Experience Of The Client In The Digital Economy The Human Being Is The Center Of The Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 60. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 61. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 62. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 63. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being Is The Center Of The Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 64. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 65. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 66. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 67. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being Is The Center Of The Organizational Strategy Channel Interface nº 1 Channel Interface nº 2 Channel Interface nº 3 Channel Interface nº 4 Channel Interface nº 5 Channel Interface nº 6 Channel Interface nº 7 Channel Interface nº 8 Channel Interface nº 9 Channel Interface nº 10 Channel Interface nº 11 Channel Interface nº 12 Channel Interface nº 13 Channel Interface nº 14 Channel Interface nº 15 Channel Interface nº 16 Channel Interface nº 17 Channel Interface nº 18 Channel Interface nº 19 Channel Interface nº 20 Channel Interface nº 21 Channel Interface nº 22 Channel Interface nº 23 Channel Interface nº 24 Channel Interface nº 25 Channel Interface nº 26 Channel Interface nº 27 Channel Interface nº 28 Channel Interface nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 68. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 69. Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME The Human Being is the Center of the Organizational Strategy - Channel Interface ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 70. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 71. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 72. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 73. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 74. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 75. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 76. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 77. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 78. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 79. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 80. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 81. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being is the Center of the Organizational Strategy Channel nº 1 Channel nº 2 Channel nº 3 Channel nº 4 Channel nº 5 Channel nº 6 Channel nº 7 Channel nº 8 Channel nº 9 Channel nº 10 Channel nº 11 Channel nº 12 Channel nº 13 Channel nº 14 Channel nº 15 Channel nº 16 Channel nº 17 Channel nº 18 Channel nº 19 Channel nº 20 Channel nº 21 Channel nº 22 Channel nº 23 Channel nº 24 Channel nº 25 Channel nº 26 Channel nº 27 Channel nº 28 Channel nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 82. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 83. Consumption Experience Of The Client In The Digital Economy - INTEGRAÇÃO DE MÚLTIPLAS ORGANIZAÇÕES NAS EXPERIÊNCIAS DO CLIENTE AO MESMO TEMPO AO LONGO TEMPO The Human Being is the Center of the Organizational Strategy - Channel ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 84. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 85. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 86. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 87. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 88. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 89. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 90. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 91. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 92. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 93. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 94. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 95. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being is the Center of the Organizational Strategy Site nº 1 Site nº 2 Site nº 3 Site nº 4 Site nº 5 Site nº 6 Site nº 7 Site nº 8 Site nº 9 Site nº 10 Site nº 11 Site nº 12 Site nº 13 Site nº 14 Site nº 15 Site nº 16 Site nº 17 Site nº 18 Site nº 19 Site nº 20 Site nº 21 Site nº 22 Site nº 23 Site nº 24 Site nº 25 Site nº 26 Site nº 27 Site nº 28 Site nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 96. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 97. Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME The Human Being is the Center of the Organizational Strategy - Site ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 98. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 99. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 100. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 101. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 102. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 103. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 104. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 105. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 106. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 107. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 108. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 109. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being is the Center of the Organizational Strategy Routine nº 1 Routine nº 2 Routine nº 3 Routine nº 4 Routine nº 5 Routine nº 6 Routine nº 7 Routine nº 8 Routine nº 9 Routine nº 10 Routine nº 11 Routine nº 12 Routine nº 13 Routine nº 14 Routine nº 15 Routine nº 16 Routine nº 17 Routine nº 18 Routine nº 19 Routine nº 20 Routine nº 21 Routine nº 22 Routine nº 23 Routine nº 24 Routine nº 25 Routine nº 26 Routine nº 27 Routine nº 28 Routine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 110. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 111. Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS IN THE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME The Human Being is the Center of the Organizational Strategy - Routine ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 112. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 113. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 114. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 115. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 116. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 117. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 118. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 119. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 120. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 121. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 122. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 123. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 4 The Human Being is the Center of the Organizational Strategy Subroutine nº 1 Subroutine nº 2 Subroutine nº 3 Subroutine nº 4 Subroutine nº 5 Subroutine nº 6 Subroutine nº 7 Subroutine nº 8 Subroutine nº 9 Subroutine nº 10 Subroutine nº 11 Subroutine nº 12 Subroutine nº 13 Subroutine nº 14 Subroutine nº 15 Subroutine nº 16 Subroutine nº 17 Subroutine nº 18 Subroutine nº 19 Subroutine nº 20 Subroutine nº 21 Subroutine nº 22 Subroutine nº 23 Subroutine nº 24 Subroutine nº 25 Subroutine nº 26 Subroutine nº 27 Subroutine nº 28 Subroutine nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 124. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 125. Consumption Experience Of The Client In The Digital Economy - INTEGRATION OF MULTIPLE ORGANIZATIONS INTHE EXPERIENCES OF THE CLIENT SIMULTANEOUSLY AND THROUGHOUT TIME The Human Being is the Center of the Organizational Strategy - Subroutine ORGANIZATION 1 ORGANIZATION 2 ORGANIZATION 3 ORGANIZATION 4 Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 126. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 127. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Applicative nº 1 Applicative nº 2 Applicative nº 3 Applicative nº 4 Applicative nº 5 Applicative nº 6 Applicative nº 7 Applicative nº 8 Applicative nº 9 Applicative nº 10 Applicative nº 11 Applicative nº 12 Applicative nº 13 Applicative nº 14 Applicative nº 15 Applicative nº 16 Applicative nº 17 Applicative nº 18 Applicative nº 19 Applicative nº 20 Applicative nº 21 Applicative nº 22 Applicative nº 23 Applicative nº 24 Applicative nº 25 Applicative nº 26 Applicative nº 27 Applicative nº 28 Applicative nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 128. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 129. Consumption Experience Of The Client In The Digital Economy The Human Being is the Center of the Organizational Strategy Applicative nº 1 Applicative nº 2 Applicative nº 3 Applicative nº 4 Applicative nº 5 Applicative nº 6 Applicative nº 7 Applicative nº 8 Applicative nº 9 Applicative nº 10 Applicative nº 11 Applicative nº 12 Applicative nº 13 Applicative nº 14 Applicative nº 15 Applicative nº 16 Applicative nº 17 Applicative nº 18 Applicative nº 19 Applicative nº 20 Applicative nº 21 Applicative nº 22 Applicative nº 23 Applicative nº 24 Applicative nº 25 Applicative nº 26 Applicative nº 27 Applicative nº 28 Applicative nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 130. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 131. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 1 The Human Being is the Center of the Organizational Strategy Applicative nº 1 Applicative nº 2 Applicative nº 3 Applicative nº 4 Applicative nº 5 Applicative nº 6 Applicative nº 7 Applicative nº 8 Applicative nº 9 Applicative nº 10 Applicative nº 11 Applicative nº 12 Applicative nº 13 Applicative nº 14 Applicative nº 15 Applicative nº 16 Applicative nº 17 Applicative nº 18 Applicative nº 19 Applicative nº 20 Applicative nº 21 Applicative nº 22 Applicative nº 23 Applicative nº 24 Applicative nº 25 Applicative nº 26 Applicative nº 27 Applicative nº 28 Applicative nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 132. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 133. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 2 The Human Being is the Center of the Organizational Strategy Applicative nº 1 Applicative nº 2 Applicative nº 3 Applicative nº 4 Applicative nº 5 Applicative nº 6 Applicative nº 7 Applicative nº 8 Applicative nº 9 Applicative nº 10 Applicative nº 11 Applicative nº 12 Applicative nº 13 Applicative nº 14 Applicative nº 15 Applicative nº 16 Applicative nº 17 Applicative nº 18 Applicative nº 19 Applicative nº 20 Applicative nº 21 Applicative nº 22 Applicative nº 23 Applicative nº 24 Applicative nº 25 Applicative nº 26 Applicative nº 27 Applicative nº 28 Applicative nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 134. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”
  • 135. Consumption Experience Of The Client In The Digital Economy - ORGANIZATION 3 The Human Being is the Center of the Organizational Strategy Applicative nº 1 Applicative nº 2 Applicative nº 3 Applicative nº 4 Applicative nº 5 Applicative nº 6 Applicative nº 7 Applicative nº 8 Applicative nº 9 Applicative nº 10 Applicative nº 11 Applicative nº 12 Applicative nº 13 Applicative nº 14 Applicative nº 15 Applicative nº 16 Applicative nº 17 Applicative nº 18 Applicative nº 19 Applicative nº 20 Applicative nº 21 Applicative nº 22 Applicative nº 23 Applicative nº 24 Applicative nº 25 Applicative nº 26 Applicative nº 27 Applicative nº 28 Applicative nº 29 The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Structure Strategy, Negotiation And Architectural For That Participate Organizations Customers Consumer Experience
  • 136. The IT Project - Open Architecture - Can Be FREELY Utilized By Any Physical Or Legal Person, In Brazil Or Abroad, As Well As Altered Without The Previous Authorization Of The Intellectual Rights Owner Of The Conceived Idea In Order To Benefit Humanity Digital Macroeconomics - “Virtual Relationship Network”- “Digital Banking”