Abstract
The card industry is going through significant evolutions, which have intensified in recent years, and it is possible to highlight the greater regulation of the Central Bank of Brazil, which determined the break of the monopoly of acquiring Visa and Mastercard card brands in 2010 and four years after the end from the monopoly to the Elo, American Express and Hipercard brands. However, the biggest changes are related to innovations, which not only enabled new products and services, but also contributed to an easy payment experience such as new ways of capturing transactions that allow for proximity payments and QR codes. This paper aims to present the implementation of the availability of instant payment by an acquirer for distribution of funds from insurers to policyholders. This manuscript adopts the Design Science method under the problem-solving model with mixed analysis techniques in the stages of diagnosis and assessment with a quantitative approach by applying a questionnaire to 124 respondents and qualitative with interviews with insurance managers and commercial managers of the acquirer. As a benefit of the solution, the availability, speed of sending information and transaction security and convenience stand out. The work shows a solution applied in a market little explored by organizations in this segment with the presentation of the development of this innovation.
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