TCC - Bacharelado em Ciências Econômicas (Sede)
URI permanente para esta coleçãohttps://arandu.ufrpe.br/handle/123456789/418
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Item FINTECHS: um novo paradigma para os serviços financeiros(2019) Araujo, Adams Matos de; Coelho Júnior, Álvaro Furtado; http://lattes.cnpq.br/1248468009730949Banking 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.Item Avanços da tecnologia da informação sobre a concorrência no setor bancário de 2014 a 2018(2019) Filgueiras, Igor Fellype Loureiro Valença; Silva Filho, Guerino Edécio da; http://lattes.cnpq.br/2977795200183918; http://lattes.cnpq.br/8480123229873786Economic 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.