A transformação do setor bancário: uma análise comparativa entre bancos tradicionais e fintechs

Abstract

This study examines the transformation of the banking sector, focusing on the growth of fintechs and the impact these companies have on traditional banks. The research aims to analyze how fintechs challenge banks by offering digital and accessible financial services, while traditional banks continue to be valued for their security and physical infrastructure. The adopted methodology was a quantitative approach, with surveys applied to three distinct groups: consumers of financial services, fintech professionals, and professionals from traditional banks. The specific objectives included identifying the main differences in business models between traditional banks and fintechs, analyzing the advantages and disadvantages of each model, and evaluating the impact of fintechs on competitiveness and innovation in the banking sector. The results indicated that, while fintechs attract consumers through convenience, low costs, and innovation, traditional banks are still preferred for high-value transactions due to the trust and security they offer. The research also revealed that many consumers perceive fintechs as more agile and efficient but have concerns about the security and reliability of these companies. In response to growing competition, traditional banks have been investing in digitalization and the modernization of their processes. The study suggests that integrating both models will be crucial to meet the demands of an increasingly digital and competitive market, ensuring a more personalized and accessible experience for consumers.