Fintechs: o futuro dos serviços financeiros no Brasil

Abstract

This academic work has as main objective to understand what are fintechs and how they arise, as well as the impact of such innovation in the Brazilian financial sector. For this, theoretical references were presented regarding the banking market, innovation, startup and, finally, the fintech market. To achieve the objective the research used the method the applied qualitative approach, through bibliographical consultations. The results allowed us to analyze this business model and identify them in various segments of the industry (financial management, credit, payments, loans, among others), thus reflecting on how it affects the Brazilian financial market. Although the Fintech segment is recent and still has a small representation in Brazil, research already shows the significant increase in investment in the sector, the search for partnerships in order to meet new market niches, and how the scenario exposes the challenge of legislation of the sector that in the country is in charge of the Central Bank of Brazil.