Mudança tecnológica nos meios de pagamento. Seria possível fazer uma avaliação sobre a redução dos custos de transação?
Data
2021-08-12
Autores
Sousa, Wanduilton Alves [UNIFESP]
Orientadores
Machado, Eduardo Luiz [UNIFESP]
Tipo
Trabalho de conclusão de curso de graduação
Título da Revista
ISSN da Revista
Título de Volume
Resumo
A presente monografia busca analisar as principais transformações tecnológicas
no setor de meios de pagamento do Brasil que ocorreram entre 2013 e 2020. Um período
muito intrigante para o setor bancário, onde pode se observar um aumento de
investimentos em software, hardware e telecomunicações, uma disseminação dos
smartphones que estão cada vez mais presente na vida das pessoas, afetando a forma
como realizam as transações financeiras e marcado pela abertura de novas fintechs no
mercado que buscam pegar um único problema dos grandes bancos tradicionais e
resolver de forma eficiente com o uso da tecnologia de informação. O objetivo desse
trabalho é compreender se essas mudanças tecnológicas foram capazes de reduzir o
custo de transação envolvido nas transferências de recursos financeiro entre os agentes
econômicos.
This monograph seeks to analyze the main technological transformations in the payment means sector in Brazil that took place between 2013 and 2020. A very intriguing period for the banking sector, where an increase in investments in software, hardware and telecommunications can be observed, a dissemination smartphone that are increasingly present in people's lives, affecting the way they carry out financial transactions and marked by the opening of new fintechs in the market that seek to take a single problem of large traditional banks and solve efficiently with the use of information technology. The objective of this work is to understand if these technological changes were able to reduce the transaction cost involved in the transfer of financial resources between economic agents.
This monograph seeks to analyze the main technological transformations in the payment means sector in Brazil that took place between 2013 and 2020. A very intriguing period for the banking sector, where an increase in investments in software, hardware and telecommunications can be observed, a dissemination smartphone that are increasingly present in people's lives, affecting the way they carry out financial transactions and marked by the opening of new fintechs in the market that seek to take a single problem of large traditional banks and solve efficiently with the use of information technology. The objective of this work is to understand if these technological changes were able to reduce the transaction cost involved in the transfer of financial resources between economic agents.