Investigação sobre os desafios enfrentados pelas fintechs no Brasil: caso de sucesso do Nubank

Abstract

This work aimed to analyze and present the context of the emergence of Fintechs in Brazil, discussing how they reached the level they are today, based on Nubank's success model. With regard to methodological procedures, an initial characterization was initially carried out on Fintechs, digital and traditional banks, also showing their differences and similarities, based on secondary data and reports reported on the Nubank website, with regard to information on its evolution over the years and methods used to grow. The research consisted of two stages, the first being descriptive and the second exploratory, which analyzed documents published by BACEN, FEBRABAN, the website of financial institutions and digital banks. The results indicated a trend towards the growing number of Fintechs in Brazil, due to the success of Nubank, which currently represents the fifth largest financial institution in Brazil. Additionally, the results also indicated that the strategies used by Nubank showed that Fintechs still have a lot of space to be conquered in the Brazilian financial market, with even greater growth expected over the next few years