Fintech na disrupção à concentração bancária

Abstract

This research is established in view of the instability experienced in the financial market, comparing the economic structure “cast” by the banking concentration and the advent of disruptive innovations. The opening of the Fintechs to the market comes from the prelude to a break in the current banking structure, ensuring a certain economic contestability. The listed items turn to the rise of financial startups, with positive market prospecting against the regulators of the National Financial System (SFN). In this analysis there is a conjecture of effective effects on market needs, which is already visible to the consumer public (borrower) through the provisions of services offered and due to the practicality of Fintechs. The market comparison is listed by data referred to the SFN and the increasing technological input to economic development. Thus we find in a disruptive innovation, viable elements to an economic projection, linked to the financial balance.