Análise do mercado bancário e desenvolvimento das FinTechs e outros novos competidores no setor financeiro do Brasil
Data
2021-03-02
Autores
Baptista, Gabriel Luis Maciel 
Orientadores
Barufi, Ana Maria Bonomi
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Esta pesquisa visa compreender em que medida o advento das fintechs e outros novos competidores representa uma mudança disruptiva no setor financeiro e como o torna mais competitivo e inclusivo. Estudando as características do mercado bancário não só no Brasil, como também no contexto internacional, no qual o processo de atuação das fintechs e bigtechs no mercado já se encontra mais avançado, são identificados os fatores que condicionaram a concentração e pouca competição no setor financeiro por décadas, tornando-o ineficiente do ponto de vista de redução do custo e melhoria da qualidade dos produtos. São estudadas também no trabalho as formas como esses novos competidores operam, os benefícios que eles podem trazer ao setor e as reações das instituições incumbentes ao aumento da competição. Como contribuição principal, o presente trabalho traz o cálculo do custo de intermediação financeira no Brasil, seguindo metodologia adotada em estudos realizados em outros países. As principais conclusões indicam que esse custo decresceu nos últimos anos, o que pode ser um efeito da maior competitividade observada no setor.
This research aims to understand whether the advent of finTechs and others new competitors represents a disrupitive change in the financial sector and how it can turn it into a more competitive and inclusive one. Studying the characteristics of the banking industry not only in Brazil, but in the international context as well, where the entry of fintechs and bigtechs is more advanced, it is possible to identify the factors that conditioned the concentration and low competition in the financial sector. Such market conditions made it more inefficient, creating barriers to cost reduction and quality improvement of products, setting a favorable ground for the entrance of technology firms focused on financial services to be seem as a revolution in this environment. The paper also addresses the ways in which these new competitors operate, the benefits they can bring to the sector and the possible reactions of incumbent institutions to the higher level of competition. As main contribuition, the present work calculates the financial intermediation cost in Brazil, following the methodology adopted in studies carried out in other countries. The main conclusions indicate that this cost has decreased in recent years, which may be an effect of the increased competitiveness observed in the sector.
This research aims to understand whether the advent of finTechs and others new competitors represents a disrupitive change in the financial sector and how it can turn it into a more competitive and inclusive one. Studying the characteristics of the banking industry not only in Brazil, but in the international context as well, where the entry of fintechs and bigtechs is more advanced, it is possible to identify the factors that conditioned the concentration and low competition in the financial sector. Such market conditions made it more inefficient, creating barriers to cost reduction and quality improvement of products, setting a favorable ground for the entrance of technology firms focused on financial services to be seem as a revolution in this environment. The paper also addresses the ways in which these new competitors operate, the benefits they can bring to the sector and the possible reactions of incumbent institutions to the higher level of competition. As main contribuition, the present work calculates the financial intermediation cost in Brazil, following the methodology adopted in studies carried out in other countries. The main conclusions indicate that this cost has decreased in recent years, which may be an effect of the increased competitiveness observed in the sector.
Descrição
Citação
BAPTISTA, G. L. M. (2021). Análise do mercado bancário e desenvolvimento das FinTechs e outros novos competidores no setor financeiro do Brasil . Trabalho de conclusão de curso de graduação. UNIFESP.