O estudo para implantação de uma Fintech de crédito para o público de baixa renda na cidade de São Paulo
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Tipo
TCC
Data de publicação
2019-12-12
Periódico
Citações (Scopus)
Autores
Pimentel, Gabriel Fracalanza
Silva, Leonardo Henrique da
Vendramin, Matheus Pesce
Barbanera, Stephani Papa
Silva, Leonardo Henrique da
Vendramin, Matheus Pesce
Barbanera, Stephani Papa
Orientador
Bernal, Paulo Sérgio Milano
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Resumo
Fintech, pode ser definida como uma startup vinculada ao setor de serviços financeiros, de modo que tecnologias são incorporadas com o propósito de tornar o mercado financeiro mais eficiente. O objetivo desta pesquisa foi determinar indicadores de avaliação para comparar os resultados obtidos pelas principais fintechs que cedem crédito para jovens entre 18 e 25 anos, classes C e D, na cidade de São Paulo com o perfil teoricamente ideal, para avaliar quais estão sendo mais bem-sucedidas em seu modelo e operação. A pesquisa foi realizada de modo exploratório pela Internet e por e-mails para determinar quantas e quais são as principais fintechs no segmento estudado, com a coleta de dados sobre: operação, satisfação dos clientes, resultados, modelo do negócio, oferta realizada para os clientes e desempenho. Foi feito uma análise de benchmarking entre as principais fintechs atuantes e foram criados três indicadores: de experiência do cliente na contratação do crédito, do produto ofertado e de satisfação do cliente. Foram realizadas algumas análises quantitativas e qualitativas, de modo a se aproximar do modelo de fintech ideal. Entre as conclusões, destacam-se: a majoritária não solicitação de garantia e a experiência digital do usuário na obtenção do crédito como fundamental.
Fintech can be defined as a startup in the financial services environment, focusing on transform the financial market in a more efficient market through technology. The paper’s objective was to determine key evaluative indicators to compare the obtained results of these main fintechs which provide credit for young people between 18 and 25 years in São Paulo, C and D social classes, to evaluate which are succeeding in its business model and operation. The research was carried out in an exploratory way through internet and e-mails to determine how many and what were the main fintechs in that study, collecting data as: operation, customer satisfaction, results, business model, sales proposal and company performance. Then, a benchmarking analysis between the main fintechs was conducted, and also three indicators were created: customer experience, sales proposal and customer satisfaction. Thus, several quantity and quality analysis were concluded in order to approach the ideal fintech model. Furthermore, relevant conclusions were obtained among the fintechs, such as: most of them do not solicit guarantee and the great digital experience is a key point to decide where to request credit.
Fintech can be defined as a startup in the financial services environment, focusing on transform the financial market in a more efficient market through technology. The paper’s objective was to determine key evaluative indicators to compare the obtained results of these main fintechs which provide credit for young people between 18 and 25 years in São Paulo, C and D social classes, to evaluate which are succeeding in its business model and operation. The research was carried out in an exploratory way through internet and e-mails to determine how many and what were the main fintechs in that study, collecting data as: operation, customer satisfaction, results, business model, sales proposal and company performance. Then, a benchmarking analysis between the main fintechs was conducted, and also three indicators were created: customer experience, sales proposal and customer satisfaction. Thus, several quantity and quality analysis were concluded in order to approach the ideal fintech model. Furthermore, relevant conclusions were obtained among the fintechs, such as: most of them do not solicit guarantee and the great digital experience is a key point to decide where to request credit.
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Palavras-chave
análise de crédito , serviços de crédito , Fintech , credit , financial services