Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context
Autor(a) principal: | |
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Data de Publicação: | 2020 |
Outros Autores: | , |
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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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) |
repository.mail.fl_str_mv |
|| bbronline@bbronline.com.br |
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