Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context

Detalhes bibliográficos
Autor(a) principal: Braido, Gabriel
Data de Publicação: 2020
Outros Autores: Klein, Amarolinda, Papaleo, Guilherme
Tipo de documento: Artigo
Idioma: eng
por
Título da fonte: BBR. Brazilian Business Review (English edition. Online)
Texto Completo: http://www.bbronline.com.br/index.php/bbr/article/view/635
Resumo: Fintechs have created a new global financial reality, providing access to services that were previously provided only by banks. This article aims to identifyfacilitators and barriers faced by mobile payment fintechs for their entry and development in the Brazilian context. The research method was a single casestudy, whose unit of analysis was the mobile payment fintech sector in the Brazilian context, involving nine companies in this industry. As a result, weidentified that several factors act as facilitators to the entry and development of fintechs, such as convenience and focus of their solutions, innovation in the use of technology, collaboration, and partnerships between fintechs. However, several barriers are faced in the emergence and development of these companies, such as regulatory issues, investment needs, difficulties in finding partners, and conflicts of interest with major players in the financial market. These results offer inputs to fintech entrepreneurs and suggest directions to regulators and public policymakers.
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spelling Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian ContextFacilitadores e Barreiras enfrentadas pelas Fintechs de Pagamentos Móveis no Contexto BrasileiroFintechsEntrepreneurshipMobile paymentsFacilitatorsBarriersFintechsEmpreendedorismoPagamentos móveisFacilitadoresBarreirasFintechs have created a new global financial reality, providing access to services that were previously provided only by banks. This article aims to identifyfacilitators and barriers faced by mobile payment fintechs for their entry and development in the Brazilian context. The research method was a single casestudy, whose unit of analysis was the mobile payment fintech sector in the Brazilian context, involving nine companies in this industry. As a result, weidentified that several factors act as facilitators to the entry and development of fintechs, such as convenience and focus of their solutions, innovation in the use of technology, collaboration, and partnerships between fintechs. However, several barriers are faced in the emergence and development of these companies, such as regulatory issues, investment needs, difficulties in finding partners, and conflicts of interest with major players in the financial market. These results offer inputs to fintech entrepreneurs and suggest directions to regulators and public policymakers.As fintechs têm criado uma nova realidade financeira global, provendo acesso a serviços que antes se concentravam nos bancos. Este artigo visa identificar facilitadores e barreiras enfrentadas pelas fintechs de pagamentos móveis para a sua entrada e desenvolvimento no contexto brasileiro. O método de pesquisa foi um estudo de caso único, cuja unidade de análise foi o segmento de fintechs de pagamentos móveis no contexto brasileiro, envolvendo nove empresas desse segmento. Como resultados, identificou-se que diversos fatores atuam como facilitadores ao ingresso e desenvolvimento das fintechs, tais como: conveniência e foco da solução oferecida, inovação no uso da tecnologia e colaboração e parcerias entre fintechs. Porém, diversas barreiras são enfrentadas no surgimento e desenvolvimento dessas empresas, tais como: questões regulatórias, necessidades de investimentos, dificuldades de encontrar parceiros e conflitos de interesse com grandes players do mercado financeiro. Esses resultados oferecem subsídios aos empreendedores de fintechs, além de sugerir direcionamentos a órgãos reguladores e criadores de políticas públicas.FUCAPE Business Shool2020-12-14info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionPeer-reviewed ArticleArtigo revisado pelos paresapplication/pdfapplication/pdfhttp://www.bbronline.com.br/index.php/bbr/article/view/63510.15728/bbr.2021.18.1.2Brazilian Business Review; Vol. 18 No. 1 (2021): January to February 2021; 22-44Brazilian Business Review; v. 18 n. 1 (2021): Janeiro a Fevereiro 2021; 22-441808-23861807-734Xreponame:BBR. Brazilian Business Review (English edition. Online)instname:Fucape Business School (FBS)instacron:FBSengporhttp://www.bbronline.com.br/index.php/bbr/article/view/635/955http://www.bbronline.com.br/index.php/bbr/article/view/635/956Copyright (c) 2019 Brazilian Business Reviewhttp://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessBraido, GabrielKlein, AmarolindaPapaleo, Guilherme2021-02-22T14:29:45Zoai:ojs.pkp.sfu.ca:article/635Revistahttps://www.bbronline.com.br/index.php/bbr/indexONGhttp://www.bbronline.com.br/index.php/bbr/oai|| bbronline@bbronline.com.br1808-23861808-2386opendoar:2021-02-22T14:29:45BBR. Brazilian Business Review (English edition. Online) - Fucape Business School (FBS)false
dc.title.none.fl_str_mv Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
Facilitadores e Barreiras enfrentadas pelas Fintechs de Pagamentos Móveis no Contexto Brasileiro
title Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
spellingShingle Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
Braido, Gabriel
Fintechs
Entrepreneurship
Mobile payments
Facilitators
Barriers
Fintechs
Empreendedorismo
Pagamentos móveis
Facilitadores
Barreiras
title_short Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
title_full Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
title_fullStr Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
title_full_unstemmed Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
title_sort Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
author Braido, Gabriel
author_facet Braido, Gabriel
Klein, Amarolinda
Papaleo, Guilherme
author_role author
author2 Klein, Amarolinda
Papaleo, Guilherme
author2_role author
author
dc.contributor.author.fl_str_mv Braido, Gabriel
Klein, Amarolinda
Papaleo, Guilherme
dc.subject.por.fl_str_mv Fintechs
Entrepreneurship
Mobile payments
Facilitators
Barriers
Fintechs
Empreendedorismo
Pagamentos móveis
Facilitadores
Barreiras
topic Fintechs
Entrepreneurship
Mobile payments
Facilitators
Barriers
Fintechs
Empreendedorismo
Pagamentos móveis
Facilitadores
Barreiras
description Fintechs have created a new global financial reality, providing access to services that were previously provided only by banks. This article aims to identifyfacilitators and barriers faced by mobile payment fintechs for their entry and development in the Brazilian context. The research method was a single casestudy, whose unit of analysis was the mobile payment fintech sector in the Brazilian context, involving nine companies in this industry. As a result, weidentified that several factors act as facilitators to the entry and development of fintechs, such as convenience and focus of their solutions, innovation in the use of technology, collaboration, and partnerships between fintechs. However, several barriers are faced in the emergence and development of these companies, such as regulatory issues, investment needs, difficulties in finding partners, and conflicts of interest with major players in the financial market. These results offer inputs to fintech entrepreneurs and suggest directions to regulators and public policymakers.
publishDate 2020
dc.date.none.fl_str_mv 2020-12-14
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
Artigo revisado pelos pares
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://www.bbronline.com.br/index.php/bbr/article/view/635
10.15728/bbr.2021.18.1.2
url http://www.bbronline.com.br/index.php/bbr/article/view/635
identifier_str_mv 10.15728/bbr.2021.18.1.2
dc.language.iso.fl_str_mv eng
por
language eng
por
dc.relation.none.fl_str_mv http://www.bbronline.com.br/index.php/bbr/article/view/635/955
http://www.bbronline.com.br/index.php/bbr/article/view/635/956
dc.rights.driver.fl_str_mv Copyright (c) 2019 Brazilian Business Review
http://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2019 Brazilian Business Review
http://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
application/pdf
dc.publisher.none.fl_str_mv FUCAPE Business Shool
publisher.none.fl_str_mv FUCAPE Business Shool
dc.source.none.fl_str_mv Brazilian Business Review; Vol. 18 No. 1 (2021): January to February 2021; 22-44
Brazilian Business Review; v. 18 n. 1 (2021): Janeiro a Fevereiro 2021; 22-44
1808-2386
1807-734X
reponame:BBR. Brazilian Business Review (English edition. Online)
instname:Fucape Business School (FBS)
instacron:FBS
instname_str Fucape Business School (FBS)
instacron_str FBS
institution FBS
reponame_str BBR. Brazilian Business Review (English edition. Online)
collection BBR. Brazilian Business Review (English edition. Online)
repository.name.fl_str_mv BBR. Brazilian Business Review (English edition. Online) - Fucape Business School (FBS)
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