Inovações no mercado financeiro brasileiro: os bancos tradicionais e o surgimento das fintechs

Abstract

The national financial market plays a relevant role for the country's growth and development. The services of intermediation of resources between investors and borrowers allow the proper flow of the economy and promote an increment in the level of economic welfare. The accelerated emergence of new technologies point to an increasingly digital future, mainly due to the rise of fintechs in the financial market. Therefore, considering the importance of this market and technological changes, this paper aims to analyze the innovations in the Brazilian financial market with the emergence of fintechs and the relationship with traditional banks. The methodology used is descriptive historical theory for chapter two, descriptive theoretical research for chapter three and, finally, performing a descriptive analysis approach in chapter four. The analysis carried out validated the hypothesis that the insertion of fintechs in the financial market through the use of high technologies accelerated the digital transformations in traditional banks, making them invest more in banking technology and modify teir way of operating in order to remain competitive in the sector. [resumo fornecido pelo autor]