Fintechs: os impactos da transformação digital na inclusão financeira do Brasil
Data
2022-02-16
Autores
Brasileiro, João Igor de Goes 
Orientadores
Oliveira Filho, Bolivar Godinho de
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
As fintechs – empresas de inovação aplicadas na solução de serviços financeiros – adotam um modelo de negócio inovador que compete com o modelo tradicional do mercado financeiro, e que são impulsionadas pela transformação digital que o setor está passando. Logo pesquisou-se nesse trabalho as inovações no mercado financeiro, observando-se que a tecnologia de ponta é uma estratégia para aprimorar a experiência final do cliente, além de que as fintechs utilizam desse conjunto de tecnologias e inovações advindas da transformação digital para ganharem cada vez mais mercado, e consequentemente impacta na inclusão financeira da população do Brasil, que na sua maioria das vezes ocorre através da oferta de produtos e serviços de crédito, pagamento e serviços digitais, portanto, observou-se também que a aplicação de tecnologias de ponta torna mais acessíveis bens e serviços financeiros essenciais para a população brasileira. Em vista disso, as fintechs podem ser consideradas como um agente intermediário de acesso para indivíduos e empresas ao mercado financeiro, de maneira facilitada, diferente de modelos tradicionais.
Fintechs – innovation companies applied in the financial services solution – adopt an innovative business model that competes with the traditional model of the financial market, and that are driven by the digital transformation that the sector is going through. in the financial market, noting that cutting-edge technology is a strategy to improve the final customer experience, in addition to the fact that fintechs use this set of technologies and innovations arising from digital transformation to gain more and more market, and consequently impact on the financial inclusion of the population of Brazil, which most often occurs through the offer of credit, payment and digital services products and services, therefore, it was also observed that the application of cutting-edge technologies makes essential financial goods and services more accessible. for the Brazilian population. In view of this, fintechs can be considered as an intermediary agent of access for individuals and companies to the financial market, in an easier way, unlike traditional models.
Fintechs – innovation companies applied in the financial services solution – adopt an innovative business model that competes with the traditional model of the financial market, and that are driven by the digital transformation that the sector is going through. in the financial market, noting that cutting-edge technology is a strategy to improve the final customer experience, in addition to the fact that fintechs use this set of technologies and innovations arising from digital transformation to gain more and more market, and consequently impact on the financial inclusion of the population of Brazil, which most often occurs through the offer of credit, payment and digital services products and services, therefore, it was also observed that the application of cutting-edge technologies makes essential financial goods and services more accessible. for the Brazilian population. In view of this, fintechs can be considered as an intermediary agent of access for individuals and companies to the financial market, in an easier way, unlike traditional models.