Os impactos da atuação das fintechs nas instituições bancárias tradicionais brasileira
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Tipo
TCC
Data de publicação
2022-12-07
Periódico
Citações (Scopus)
Autores
Negreiros, Mariana Amorim de
Orientador
Batalha, Elton Duarte
Título da Revista
ISSN da Revista
Título de Volume
Membros da banca
Programa
Resumo
Os avanços tecnológicos permitiram diferentes modificações nos serviços e modelos de negócios do mercado financeiro, sendo atribuído ao surgimento das fintechs. As fintechs possibilitaram que as instituições financeiras modernizassem suas operações, permitindo que os clientes/consumidores obtivessem um serviço mais cômodo, rápido e menos burocrático, principalmente em relação à facilidade de resolver seus problemas por meio de aplicativos em smartphones, notebooks, tablets ou demais equipamentos com acesso à internet. Dessa forma, o objetivo da pesquisa é demonstrar os impactos da atuação das fintechs nas instituições bancárias tradicionais brasileiras. Este é um estudo qualitativo e bibliográfico, a partir de pesquisas de doutrinadores e estudiosos do mercado financeiro relacionado com as fintechs. O trabalho possibilitou o levantamento de informações essenciais para as instituições bancárias tradicionais, demonstrando os impactos, vantagens e desvantagens das fintechs para melhorar a operacionalização dos serviços e modelos de negócios a serem ofertados e como eles facilitam o cotidiano de seus usuários.
Technological advances have allowed different changes in financial market services and business models, being attributed to the emergence of fintechs. Fintechs have made it possible for financial institutions to modernize their operations, allowing customers/consumers to obtain a more comfortable, faster, and less bureaucratic service, especially in relation to the ease of solving their problems through applications on smartphones, notebooks, tablets, or other equipment with internet access. Thus, the objective of the research is to demonstrate the impacts of fintechs performance on traditional Brazilian banking institutions. This is a qualitative and bibliographic study, based on research by scholars and scholars of the financial market related to fintechs. The work made it possible to collect essential information for traditional banking institutions, demonstrating the impacts, advantages, and disadvantages of fintechs to improve the operationalization of services and business models to be offered and how they facilitate the daily lives of their users.
Technological advances have allowed different changes in financial market services and business models, being attributed to the emergence of fintechs. Fintechs have made it possible for financial institutions to modernize their operations, allowing customers/consumers to obtain a more comfortable, faster, and less bureaucratic service, especially in relation to the ease of solving their problems through applications on smartphones, notebooks, tablets, or other equipment with internet access. Thus, the objective of the research is to demonstrate the impacts of fintechs performance on traditional Brazilian banking institutions. This is a qualitative and bibliographic study, based on research by scholars and scholars of the financial market related to fintechs. The work made it possible to collect essential information for traditional banking institutions, demonstrating the impacts, advantages, and disadvantages of fintechs to improve the operationalization of services and business models to be offered and how they facilitate the daily lives of their users.
Descrição
Palavras-chave
bancos digitais , mercado financeiro , open banking , proteção de dados , digital banks , financial market , open banking , data protection