Os desafios dos bancos frente ao surgimento das fintechs no Brasil: um estudo de caso do Inter e Nubank

Abstract

Fintechs are companies that introduce innovations in financial markets through the intensive use of technologies and with the potential to create new business models, helping to improve the quality of financial services in the market. This study aims to analyze the role of fintechs in the National Financial System (SFN), as well as the challenges faced by institutions already consolidated with this new market perspective, with the case study of Bancos Inter and Nubank. After relevant analysis, it was concluded that fintechs took advantage of windows of opportunity that were given through behavioral changes of generations, high degree of unbanking here in Brazil, among others. However, understanding that large institutions have a notorious historical power of transformation and adaptation. In this scenario, they carry out mergers and acquisitions and high investments in technology. In this way, the trend is that there will be consolidation of several fintechs and that they will all coexist and make the SFN more competitive and democratic.