Avanços da tecnologia da informação sobre a concorrência no setor bancário de 2014 a 2018

Abstract

Economic theory teaches that competition generates efficiency and tends to stimulate innovation. But to what extent could the entry of new financial institutions based on information technology influence such a consolidated sector as the banking segment? This paper aims to observe the advances of information technology on competition in this sector. Data for the elaboration of the research were taken from the Brazilian Federation of Banks Research (FEBRABAN), Central Bank of Brazil and the World Bank. It is a qualitative and quantitative research, whose data included information from the main traditional and digital banks in the country. Among the main results of the survey were the relatively lower rates found in digital banking services when compared to those of traditional banks and a possible change in dynamics in physical bank branches that may be changing with the absorption of new technologies by the sector.