Modernization and Reforms (1990s-Present)
In the 1990s, Caixa Econômica Federal underwent significant modernization efforts, introducing new technologies and financial products. The bank expanded its operations to include digital banking, mobile banking, and online services. In 2015, CEF was restructured to become a specialized financial institution, focusing on social and economic development programs, such as microfinance, microinsurance, and education financing.