FINTECHS: um novo paradigma para os serviços financeiros

Abstract

Banking services have undergone profound transformations, driven by the digital inclusion of the population and by innovation in the financial market. Faced with this scenario came the Fintechs, startups that act exclusively offering financial products and services. Fintechs use digital technologies and associated tools to provide financial services to consumers and businesses. Its solutions deliver three key results: ease of use, faster service delivery, and more affordable cost. Analyzing these variations in banking services is fundamental to understanding the new market dynamics. It should be noted the recent regulation by the Brazilian authorities regarding the performance of Fintechs in Brazil and what criteria should be obeyed for action in the financial market. What we can observe with this work was the great expansion of Internet access togetherwith the growth of the digital banking market with the emergence of Fintechs.