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

Abstract

This article analyzes the emergence of fintechs and their impact on the Brazilian banking system. Fintechs are technological-innovative business models that emerged with the purpose of filling the gaps in the banking system regarding the provision of financial services. To carry out this study, bibliographic research is used as a method, based on a survey in the relevant literature in search of concepts, information and data that allow us to understand the progress of this segment in Brazil. The survey shows that over the past few years, there has been na increase in investiment in technology by banks, increased competitiveness in the banking system with new entrants and greater participation and change in peaple’s behavior in relation to financial services. These changes are linked to the growth of fintechs as new regulations emerged, which enabled greater dynamics for the performance of these financial startups.