O surgimento das fintechs e o seu impacto no sistema bancário brasileiro

Abstract

Technological advances in the world allowed the emergence of a new business model in the banking sector: Fintechs, institutions that act in a digital way, with intensive use of technology. Based on this new scenario, the research was carried out, which aims to analyze these alternative financial institutions and understand how these new agents have impacted the National Financial System from the perspective of participation in total assets and funding. In order to arrive at the results, a bibliographic review was carried out with a survey of material published by several international and national authors, an analysis of the differentiation between traditional and digital banks and how the relationship that has been established between them has impacted the banking system. As much as traditional banks are more conservative and may find it difficult to implement innovative products and services with the same speed as Fintechs, there is no evidence that they will cease to exist after the establishment of Fintechs in the sector. Even within the financial system, the existence of both is correlated, indicating a movement of the financial sector towards a more collaborative and innovative economy.