Fintech: panorama do setor bancário brasileiro

Abstract

This monograph intends to present the panorama of Fintechs in the Brazilian banking sector, known as the Fintech Revolution. That is, it plans to assemble a panorama of fintechs in the Brazilian banking system, and to do so, it is necessary to present the benefits of the new resolution supporting the operation of financial startups, RCMN 4,656 of 2018 and show how this regulation affects the possible paths of digital credit and/or financing banks. In addition, it is also intended to explore the case of Banco Intermedium in its pioneering role among startups on the stock exchange and what this may represent in terms of future prospects for the sector in question, since it was a physical bank in 100% of its operations that now operates digitally in 100% of them. The methodology adopted in this monograph unfolds between the survey of bibliographic material and the analysis of secondary data in order to, more specifically, survey and describe the process of emergence of the currency, its contextualization, theoretical basis and importance to society and, thus, obtain an overview of traditional banks, aiming to draw a perspective on their problems that somehow led to the emergence and growth of financial Fintechs based on the digital medium.