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24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-search-form__container\">\n\t\t\t\t\t<label class=\"elementor-screen-only\" for=\"elementor-search-form-403ff2d\">Procurar<\/label>\n\n\t\t\t\t\t\n\t\t\t\t\t<input id=\"elementor-search-form-403ff2d\" placeholder=\"Pesquisa...\" class=\"elementor-search-form__input\" type=\"search\" name=\"s\" value=\"\">\n\t\t\t\t\t<input type='hidden' name='lang' value='pt-pt' \/>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"dialog-lightbox-close-button dialog-close-button\" role=\"button\" tabindex=\"0\" aria-label=\"Close this search box.\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/form>\n\t\t<\/search>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2394a4 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"e2394a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/cleva-solutions.com\/pt-pt\/peca-uma-demonstracao\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Solicite uma demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-f30ee13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f30ee13\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle&quot;,&quot;shape_divider_bottom_negative&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M500.2,94.7L0,0v100h1000V0L500.2,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1eb9c5\" data-id=\"a1eb9c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b4060d elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3b4060d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cleva Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5ba4df5 e-flex e-con-boxed e-con e-parent\" data-id=\"5ba4df5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2fed5a elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"b2fed5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Evolu\u00e7\u00e3o tecnol\u00f3gica nas seguradoras e arquitetura de sistemas<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-af8b0b5 e-flex e-con-boxed e-con e-parent\" data-id=\"af8b0b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9411e9d elementor-widget elementor-widget-author-box\" data-id=\"9411e9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tAnt\u00f3nio Cruz\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Business Lead<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fe59a4 elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"2fe59a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 83.8 35.2 15.2 49 16.5 66.6 13.9 10.7-1.6 32.8-13.4 37.4-26.4 4.6-13 4.6-24.1 3.2-26.4-1.3-2.5-5-3.9-10.5-6.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tWhatsApp\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5f1731c e-flex e-con-boxed e-con e-parent\" data-id=\"5f1731c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7477bf elementor-widget elementor-widget-text-editor\" data-id=\"2b7477bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In a world of constant technological evolution, insurers face the challenge of keeping up to date to meet the increasingly specific needs of their clients and remain competitive. This updating is based on several pillars, one of the main ones being the architecture of computer systems, which can either favour or hinder technological transformation. In this article we explore how the modernisation of this architecture can create opportunities for innovation and efficiency within insurance companies, while identifying some of the challenges related with legacy systems.  <\/p>\n<p>A arquitetura de sistemas inform\u00e1ticos contempla um conjunto de estruturas e componentes inform\u00e1ticas numa organiza\u00e7\u00e3o que n\u00e3o apenas determinam como os sistemas funcionam, mas tamb\u00e9m influenciam a capacidade de adapta\u00e7\u00e3o \u00e0s mudan\u00e7as tecnol\u00f3gicas e de neg\u00f3cios. Nas seguradoras, essa arquitetura representa um papel crucial, tanto na presta\u00e7\u00e3o de servi\u00e7os como na gest\u00e3o de riscos, sendo um fator cr\u00edtico para o sucesso. <\/p>\n<p>Os sistemas legacy est\u00e3o geralmente associados a tecnologias antigas, obsoletas e mais dif\u00edceis de manter. Estes sistemas representam alguns desafios para as seguradoras no contexto da transforma\u00e7\u00e3o tecnol\u00f3gica. Por\u00e9m cada desafio pode tamb\u00e9m representar uma oportunidade de melhoria e evolu\u00e7\u00e3o, nomeadamente nos seguintes aspetos:  <\/p>\n<ul>\n<li><strong>Falta de agilidade <\/strong>\u2013 Os sistemas legacy s\u00e3o mais inflex\u00edveis e geralmente n\u00e3o est\u00e3o preparados para lidar com mudan\u00e7as r\u00e1pidas associadas a necessidades de neg\u00f3cio. A ado\u00e7\u00e3o de arquiteturas inform\u00e1ticas mais modernas, como por exemplo microservices e armazenamento\/computa\u00e7\u00e3o na cloud, pode agilizar essa adapta\u00e7\u00e3o. Adicionalmente, os sistemas baseados em solu\u00e7\u00f5es mais recentes garantem uma maior autonomia na configura\u00e7\u00e3o de produtos e regras de neg\u00f3cio, reduzindo desta forma o time to market.  <\/li>\n<li><strong>Complexidade de integra\u00e7\u00e3o <\/strong>\u2013 A integra\u00e7\u00e3o de novas tecnologias com sistemas legacy pode ser mais demorada e complexa, atrasando a inova\u00e7\u00e3o tecnol\u00f3gica, por exemplo, associada ao contexto da crescente demanda por solu\u00e7\u00f5es com integra\u00e7\u00e3o atrav\u00e9s de APIs e web services, que geralmente t\u00eam funcionalidades orientadas para sistemas e tecnologias tendencialmente atuais. Estas solu\u00e7\u00f5es reduzem a depend\u00eancia de integra\u00e7\u00f5es ponto a ponto e facilitam a interoperabilidade entre sistemas. <\/li>\n<li><strong>Custos de manuten\u00e7\u00e3o<\/strong> \u2013 A manuten\u00e7\u00e3o de sistemas legacy pode tornar-se dispendiosa, consumindo tempo e recursos que poderiam ser direcionados para a inova\u00e7\u00e3o. Esta moderniza\u00e7\u00e3o pode tamb\u00e9m estar associada \u00e0 necessidade de evolu\u00e7\u00e3o dos sistemas das empresas prestadoras de tecnologia, em particular do sistema Core. Neste \u00e2mbito, as empresas prestadoras de tecnologia podem prestar um apoio importante, garantindo a integridade dos dados em caso de evolu\u00e7\u00e3o dos sistemas e a funcionalidade das solu\u00e7\u00f5es.  <\/li>\n<li><strong>Riscos de seguran\u00e7a <\/strong>\u2013 Os sistemas legacy podem ter uma maior vulnerabilidade de seguran\u00e7a, em particular num contexto de inexist\u00eancia de atualiza\u00e7\u00f5es regulares. Os sistemas inform\u00e1ticos mais atuais possuem solu\u00e7\u00f5es de autentica\u00e7\u00e3o e seguran\u00e7a mais robustas, que permitem reduzir o risco e a exposi\u00e7\u00e3o a um ataque cibern\u00e9tico. <\/li>\n<li><strong>Atraso na adapta\u00e7\u00e3o \u00e0 GenAI<\/strong> \u2013 A intelig\u00eancia artificial generativa \u00e9 j\u00e1 uma presen\u00e7a ub\u00edqua com um potencial muito significativo para influenciar o nosso dia-a-dia. Associada ao neg\u00f3cio dos seguros, a GenAI pode criar grandes desafios para a efici\u00eancia e competitividade das seguradoras, atrav\u00e9s por exemplo da fraude e manipula\u00e7\u00e3o, incluindo a falsifica\u00e7\u00e3o de documentos e cria\u00e7\u00e3o de eventos fict\u00edcios. Por\u00e9m, pode tamb\u00e9m ajudar as seguradoras em diferentes contextos, como numa maior agilidade na subscri\u00e7\u00e3o e efici\u00eancia no pricing, melhor servi\u00e7o ao cliente, simplifica\u00e7\u00e3o no acesso \u00e0 informa\u00e7\u00e3o e aos processos de neg\u00f3cio em tempo real, dete\u00e7\u00e3o avan\u00e7ada de fraude, pol\u00edticas e privacidade e seguran\u00e7a de dados, assim como na governan\u00e7a e compliance.  <\/li>\n<\/ul>\n<p>De forma a promover a evolu\u00e7\u00e3o tecnol\u00f3gica e a moderniza\u00e7\u00e3o da arquitetura de sistemas nas seguradoras existem v\u00e1rias estrat\u00e9gias que podem ser adotadas, entre as quais salientamos:<\/p>\n<ul>\n<li><strong>Avalia\u00e7\u00e3o das necessidades<\/strong>, com identifica\u00e7\u00e3o das principais lacunas e desafios nos sistemas existentes e defini\u00e7\u00e3o dos requisitos para uma arquitetura inform\u00e1tica moderna.<\/li>\n<li><strong>Abordagem incremental<\/strong>, atrav\u00e9s de uma mudan\u00e7a gradual, iniciando em \u00e1reas e sistemas de menor risco operacional.<\/li>\n<li><strong>Padr\u00f5es e pr\u00e1ticas atuais<\/strong>, tanto no contexto da arquitetura como no desenvolvimento de software, como por exemplo DevOps e Continuous Integration\/Continuous Deployment, de forma a aumentar a efici\u00eancia e qualidade, assim como a integridade dos dados e o correto versionamento.<\/li>\n<li><strong>Parceria estrat\u00e9gica com o fornecedor de tecnologia,<\/strong> de forma a garantir o melhor suporte e os meios para garantir uma evolu\u00e7\u00e3o tecnol\u00f3gica positiva e com benef\u00edcios tang\u00edveis.<\/li>\n<\/ul>\n<p>A arquitetura de sistemas inform\u00e1ticos desempenha um papel estrutural na capacidade de as seguradoras se adaptarem \u00e0 necessidade de inova\u00e7\u00e3o tecnol\u00f3gica, num mercado em constante mudan\u00e7a e suscet\u00edvel a eventos de grande escala com impactos imediatos. A moderniza\u00e7\u00e3o dessa arquitetura apresenta desafios significativos, em particular num contexto de exist\u00eancia de sistemas legacy, mas tamb\u00e9m oferece oportunidades \u00e0s seguradoras para melhorias na agilidade, efici\u00eancia, seguran\u00e7a e no servi\u00e7o ao cliente, de forma a garantir a competitividade no imediato e a sustentabilidade a longo prazo. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b790177 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b790177\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1fc51fd e-flex e-con-boxed e-con e-parent\" data-id=\"1fc51fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0dd61b7 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0dd61b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quais s\u00e3o as novidades?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1733e pa-container-right premium-blog-align-left elementor-widget elementor-widget-premium-notifications\" data-id=\"ec1733e\" data-element_type=\"widget\" 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class=\"pa-rec-title-wrap\">\n\n\t\t\t\t\t\n\t\t\t\t\t<h3 class=\"pa-rec-title\">\n\t\t\t\t\t\tQuais s\u00e3o as novidades?\t\t\t\t\t<\/h3>\n\n\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"pa-rec-posts-close\">\n\t\t\t\t\t<i class=\"pa-rec-posts-close-icon fa fa-close\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"pa-rec-posts-body\">\n\t\t\t\t\t\t<article class=\"premium-blog-post-outer-container\" data-total=\"5\">\n\t\t\t<div class=\"premium-blog-post-container premium-blog-skin-classic\">\n\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumb-effect-wrapper\">\n\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-container premium-blog-zoomin-effect\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/12\/low-angle-view-of-ceiling-mirror-showing-people-s-2025-01-08-20-36-08-utc.jpeg\" class=\"attachment-full size-full wp-image-19684\" alt=\"\" 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\/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-overlay\">\n\t\t\t\t\t\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/cleva-solutions.com\/pt-pt\/fundos-de-pensoes-o-pepp-novas-tendencias-e-solucoes\/\" target=\"_blank\"><\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-content-wrapper \">\n\n\t\t\t\t\t<div class=\"premium-blog-inner-container\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"premium-blog-entry-title\">\n\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/fundos-de-pensoes-o-pepp-novas-tendencias-e-solucoes\/\" target=\"_blank\">\n\t\t\t\tFundos de Pens\u00f5es: o PEPP, novas tend\u00eancias e solu\u00e7\u00f5es\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"premium-blog-entry-meta\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"premium-blog-meta-separator\">\u2022<\/span>\n\t\t\t\t<div class=\"premium-blog-post-categories premium-blog-meta-data\">\n\t\t\t\t\t<i class=\"fa fa-align-left fa-fw\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/business\/\" rel=\"category tag\">Business<\/a>, <a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/fundos-de-pensoes\/\" rel=\"category tag\">Fundos de Pens\u00f5es<\/a>, <a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/modernizacao-de-software\/\" rel=\"category tag\">Moderniza\u00e7\u00e3o de software<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"premium-blog-content-inner-wrapper\">\n\t\t<p class=\"premium-blog-post-content\">O Produto Individual de Reforma Pan-Europeu (PEPP) em Portugal<br>A Lei n.\u00ba 1\/2025, publicada em 6 de janeiro de 2025, d\u00e1 cumprimento ao Regulamento (UE) 2019\/1238, que institui o Produto Individual de Reforma Pan-Europeu (PEPP), um regime de poupan\u00e7a para a reforma abrangente em toda a Uni\u00e3o Europeia. O principal objetivo deste produto \u00e9 oferecer aos cidad\u00e3os europeus uma alternativa complementar aos sistemas nacionais de pens\u00f5es, promovendo a portabilidade, a transpar\u00eancia e a prote\u00e7\u00e3o do consumidor.<\/p>\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/article>\n\n\t\t\t\t<article class=\"premium-blog-post-outer-container\" data-total=\"5\">\n\t\t\t<div class=\"premium-blog-post-container premium-blog-skin-classic\">\n\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumb-effect-wrapper\">\n\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-container premium-blog-zoomin-effect\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1440\" src=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash.jpg\" class=\"attachment-full size-full wp-image-19510\" alt=\"\" srcset=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash.jpg 2560w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-300x169.jpg 300w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-1024x576.jpg 1024w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-768x432.jpg 768w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-1536x864.jpg 1536w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-2048x1152.jpg 2048w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/11\/sivix-gamer-4C0D_Mx1UG8-unsplash-800x450.jpg 800w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-overlay\">\n\t\t\t\t\t\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/cleva-solutions.com\/pt-pt\/no-coracao-do-core-passe-a-redundancia\/\" target=\"_blank\"><\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-content-wrapper \">\n\n\t\t\t\t\t<div class=\"premium-blog-inner-container\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"premium-blog-entry-title\">\n\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/no-coracao-do-core-passe-a-redundancia\/\" target=\"_blank\">\n\t\t\t\tNo cora\u00e7\u00e3o do core (passe a redund\u00e2ncia)\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"premium-blog-entry-meta\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"premium-blog-meta-separator\">\u2022<\/span>\n\t\t\t\t<div class=\"premium-blog-post-categories premium-blog-meta-data\">\n\t\t\t\t\t<i class=\"fa fa-align-left fa-fw\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/arquitetura-de-software\/\" rel=\"category tag\">Arquitetura de software<\/a>, <a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/business\/\" rel=\"category tag\">Business<\/a>, <a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/modernizacao-de-software\/\" rel=\"category tag\">Moderniza\u00e7\u00e3o de software<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"premium-blog-content-inner-wrapper\">\n\t\t<p class=\"premium-blog-post-content\">Na era em que a adaptabilidade e a efici\u00eancia s\u00e3o fundamentais para o sucesso das empresas, a ind\u00fastria seguradora enfrenta um desafio pr\u00f3prio na renova\u00e7\u00e3o dos seus sistemas core para se manter competitiva.<\/p>\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/article>\n\n\t\t\t\t<article class=\"premium-blog-post-outer-container\" data-total=\"5\">\n\t\t\t<div class=\"premium-blog-post-container premium-blog-skin-classic\">\n\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumb-effect-wrapper\">\n\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-container premium-blog-zoomin-effect\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/04\/WhatsApp-Image-2021-07-20-at-14.27.47.jpeg\" class=\"attachment-full size-full wp-image-15312\" alt=\"\" srcset=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/04\/WhatsApp-Image-2021-07-20-at-14.27.47.jpeg 1024w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/04\/WhatsApp-Image-2021-07-20-at-14.27.47-300x157.jpeg 300w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2025\/04\/WhatsApp-Image-2021-07-20-at-14.27.47-768x402.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-thumbnail-overlay\">\n\t\t\t\t\t\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/cleva-solutions.com\/pt-pt\/os-beneficios-tangiveis-e-intangiveis-da-transformacao-tecnologica\/\" target=\"_blank\"><\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"premium-blog-content-wrapper \">\n\n\t\t\t\t\t<div class=\"premium-blog-inner-container\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"premium-blog-entry-title\">\n\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/os-beneficios-tangiveis-e-intangiveis-da-transformacao-tecnologica\/\" target=\"_blank\">\n\t\t\t\tOs benef\u00edcios tang\u00edveis e intang\u00edveis da transforma\u00e7\u00e3o tecnol\u00f3gica\t\t\t<\/a>\n\t\t<\/h2>\n\t\t\t\t<div class=\"premium-blog-entry-meta\">\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<span class=\"premium-blog-meta-separator\">\u2022<\/span>\n\t\t\t\t<div class=\"premium-blog-post-categories premium-blog-meta-data\">\n\t\t\t\t\t<i class=\"fa fa-align-left fa-fw\" aria-hidden=\"true\"><\/i>\n\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/arquitetura-de-software\/\" rel=\"category tag\">Arquitetura de software<\/a>, <a href=\"https:\/\/cleva-solutions.com\/pt-pt\/category\/modernizacao-de-software\/\" rel=\"category tag\">Moderniza\u00e7\u00e3o de software<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<div class=\"premium-blog-content-inner-wrapper\">\n\t\t<p class=\"premium-blog-post-content\">Num mundo em acelerada mudan\u00e7a, a tecnologia \u00e9 um meio incontorn\u00e1vel em qualquer setor de atividade mas n\u00e3o \u00e9 nunca um fim em si mesma. Quando a tecnologia n\u00e3o evolui para acompanhar a mudan\u00e7a no contexto do neg\u00f3cio, em particular na ind\u00fastria seguradora, o tempo poder\u00e1 ditar que esta se torne um fim, pela criticidade que os riscos operacionais, n\u00e3o tratados no momento certo, poder\u00e3o representar.<\/p>\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/article>\n\n\t\t\t\t\t<\/div>\n\n\n\t\t<\/div>\n\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55723a8 elementor-widget elementor-widget-eael-advanced-search\" data-id=\"55723a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-advanced-search.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-adv-search-wrapper\">\n            <div id=\"eael-advanced-search-widget-55723a8\" class=\"eael-advanced-search-widget\">\n                <form data-settings=\"{&quot;post_per_page&quot;:6,&quot;search_among_taxonomies&quot;:&quot;&quot;,&quot;search_among_sku&quot;:&quot;no&quot;,&quot;show_popular_keyword&quot;:0,&quot;show_category&quot;:1,&quot;show_content_image&quot;:1,&quot;show_search_result_all_results&quot;:0,&quot;result_on_new_tab&quot;:&quot;no&quot;,&quot;show_product_price&quot;:&quot;&quot;,&quot;include_current_page&quot;:&quot;no&quot;,&quot;current_post_id&quot;:15337,&quot;post_type&quot;:[&quot;post&quot;]}\" method=\"POST\" name=\"eael-advanced-search-form-55723a8\" class=\"eael-advanced-search-form eael-advanced-search-form-style-1\">\n                    <div class=\"eael-advanced-search-wrap\">\n                        <span class=\"eael-adv-search-loader\"><\/span>\n                        <span class=\"eael-adv-search-close\"><i class=\"fas fa-times\"><\/i><\/span>\n                        <span class=\"icon \"><i class=\"fas fa-search\"><\/i><\/span>\n\n                        <input type=\"text\"\n                               placeholder=\"Introduzir palavra-chave de pesquisa\"\n                               class=\"eael-advanced-search\" autocomplete=\"off\" name=\"eael_advanced_search\">\n                    <\/div>\n\t\t\t\t\t                        <div class=\"eael-advance-search-select\">\n                            <span class=\"icon fas fa-chevron-down\"><\/span>\n\t\t\t\t\t\t\t<select name=\"eael-adv-search-cate-list\" class=\"eael-adv-search-cate\"><option value=''>Todas as categorias<\/option><option value='99'>Arquitetura de software<\/option><option value='141'>Business<\/option><option value='98'>Compliance<\/option><option value='118'>Fundos de Pens\u00f5es<\/option><option value='97'>Intelig\u00eancia Artificial<\/option><option value='100'>Moderniza\u00e7\u00e3o de software<\/option><option value='101'>Suporte ao Cliente<\/option><\/select>                        <\/div>\n\t\t\t\t\t                                            <button class=\"eael-advanced-search-button\">Procurar<\/button>\n                                    <\/form>\n\n\t\t\t\t\n\t\t\t\t        <div class=\"eael-advanced-search-result\">\n            <div class=\"eael-advanced-search-popular-keyword\">\n\t\t\t\t<h4 class=\"eael-advanced-search-popular-keyword-text\">Palavras-chave populares<\/h4>                <div class=\"eael-popular-keyword-content\"><\/div>\n            <\/div>\n            <div class=\"eael-advanced-search-category\">\n\t\t\t\t<h4 class=\"eael-advanced-search-category-text\">Categorias<\/h4>                <div class=\"eael-popular-category-content\"><\/div>\n            <\/div>\n\t\t\t<div class=\"eael-advanced-search-total-results-section\">\n\t\t\t\t\t\t\t<\/div>\n            <div class=\"eael-advanced-search-content eael-item-style-1\">\n            <\/div>\n            <div class=\"eael-advanced-search-not-found\">\n                <p>N\u00e3o foi encontrado nenhum registo<\/p><\/div>\n            <div class=\"eael-advanced-search-load-more\">\n\t\t\t\t<a \tclass=\"eael-advanced-search-load-more-button\"\n                \thref=\"#\">Ver todos os resultados<\/a>\n            <\/div>\n        <\/div>\n\n\t\t            <\/div>\n        <\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-df7c2e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df7c2e6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bb48050\" data-id=\"bb48050\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a6e581 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6a6e581\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-165a518\" data-id=\"165a518\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b511fb9 elementor-widget elementor-widget-image\" data-id=\"b511fb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/home-2\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"470\" src=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-1024x470.png\" class=\"attachment-large size-large wp-image-3912\" alt=\"\" srcset=\"https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-1024x470.png 1024w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-300x138.png 300w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-768x353.png 768w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-1536x705.png 1536w, https:\/\/cleva-solutions.com\/wp-content\/uploads\/2024\/05\/AF_Cleva_Logos_RGB_azul-var-2048x940.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57eb89e elementor-widget elementor-widget-text-editor\" data-id=\"57eb89e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A Cleva dedica-se ao desenvolvimento de solu\u00e7\u00f5es core que impulsionam a transforma\u00e7\u00e3o digital do setor segurador, atrav\u00e9s de uma plataforma integrada abrangente, com total cobertura funcional, que inclui desde a gest\u00e3o de ap\u00f3lices at\u00e9 \u00e0 gest\u00e3o do risco e ao servi\u00e7o de apoio ao cliente.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-baf488b\" data-id=\"baf488b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e05212 elementor-widget elementor-widget-icon-box\" data-id=\"7e05212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLiga\u00e7\u00f5es r\u00e1pidas\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9540ef elementor-tablet-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b9540ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/home-2\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">P\u00e1gina principal<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/solutions\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Solu\u00e7\u00f5es<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/services\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Servi\u00e7os<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/company\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sobre n\u00f3s <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/careers\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Carreiras<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/contact\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contacto  <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-9e9648b\" data-id=\"9e9648b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-469ac9a elementor-widget elementor-widget-icon-box\" data-id=\"469ac9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPol\u00edticas\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf22062 elementor-tablet-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cf22062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/cleva-life-duplicate-179\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pol\u00edtica de privacidade e prote\u00e7\u00e3o de dados da Cleva<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/cleva-solutions.com\/cookies-policy\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pol\u00edtica de cookies<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f0c342f\" data-id=\"f0c342f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9541c95 elementor-widget elementor-widget-icon-box\" data-id=\"9541c95\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEscrit\u00f3rios\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd204b5 elementor-widget-mobile__width-initial elementor-widget elementor-widget-toggle\" data-id=\"cd204b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2151\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2151\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lisboa<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2151\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2151\"><p><span class=\"ui-provider a b c d e f g h i j k l m n o p q r s t u v w x y z ab ac ae af ag ah ai aj ak\" dir=\"ltr\">\u00c1vila Spaces &#8211; Av. D. Jo\u00e3o II Lote 1.07.2.1, Piso 0, 1990-096 Lisboa<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2152\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2152\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Lyon<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2152\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2152\"><p><span class=\"ui-provider bzz caa bbt cab cac cae caf cag cah cai caj cak cal cam can cao cap caq car cas cat cau cav caw cax cay caz cba cbb cbc cbd cbe cbf cbg cbh\" dir=\"ltr\">Immeuble Le Tangram, 21 Bd des Tch\u00e9coslovaques, 69007 Lyon<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2153\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2153\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Madrid<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2153\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2153\"><p><span class=\"ui-provider bzz caa bbt cab cac cae caf cag cah cai caj cak cal cam can cao cap caq car cas cat cau cav caw cax cay caz cba cbb cbc cbd cbe cbf cbg cbh\" dir=\"ltr\">Calle Mar\u00eda de Portugal 9 &#8211; 28050 Madrid<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2154\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2154\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Paris<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2154\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2154\"><p><span data-olk-copy-source=\"MessageBody\">55, rue de Chateaudun &#8211; 75009 Paris<\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2155\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2155\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Porto<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2155\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2155\"><p>R. do Zambeze 289, 4250-505 Porto<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-371e06d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"371e06d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-10018dd\" data-id=\"10018dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b401cf elementor-widget elementor-widget-heading\" data-id=\"5b401cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Todos os direitos reservados - Cleva Solutions<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-089ce88\" data-id=\"089ce88\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49c8fc3 e-grid-align-right e-grid-align-tablet-center elementor-shape-rounded elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"49c8fc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin 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This updating is based on several pillars, one of the main ones being the architecture of computer systems, which can either favour or hinder technological transformation. In this article we explore how the modernisation of this architecture can create opportunities for innovation and efficiency within insurance companies, while identifying some of the challenges related with legacy systems.   <\/p>\n","protected":false},"author":2,"featured_media":8938,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"tpgb_global_settings":"","inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[99],"tags":[],"class_list":["post-9136","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arquitetura-de-software","entry","has-media"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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