Fintech: uma análise da contribuição dessa empresa para seus clientes

Abstract

This article aims to demonstrate the characteristics that Fintechs show to their end customers. The study adopts the method of bibliographic research, from which an exploratory research is carried out. The articles were collected to support the information provided to readers in order to have a good understanding of them, following the analysis and selection criteria, which identified the articles that contributed to the proposed research. To obtain the result of this study, digital financial institutions were analyzed in order to demonstrate the main characteristics of these companies. In this way, through the analyzed studies, it was possible to conclude that for Fintechs there are obstacles in their advances as companies, including the regulation of these organizations that are in development. Still, it was demonstrated by the appreciated authors, that there are several advantages provided by these organizations to their customers. After all, this topic is of great relevance in the field of administration, it is recommended that this subject provide opportunities for new studies with the intention of overcoming the limitation in the knowledge of readers, the academic community and representatives of financial institutions in Brazil. The impact of innovation and technology brought by these companies can be perceived by consumers and banks. To survive fierce market competition, banks need to redesign their business models and create an innovative service ecosystem