Embedded finance: oferta de produtos financeiros por empresas não nativas do setor

• Autor(a) principal: Marques, João Pedro Cerizza
• Data de Publicação: 2022
• Tipo de documento: Trabalho de conclusão de curso
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_SP
• Texto Completo: https://repositorio.pucsp.br/jspui/handle/handle/31861
• topic: CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO; Finanças embutidas; Sistema financeiro nacional; Instituições financeiras; Instituições de pagamento; Fintechs; Produtos financeiros; Regulação; Sociedade de crédito direto; Correspondente bancário; Banking as a service; Embedded finance; National financial system; Financial institutions; Payment institutions; Fintechs; Financial products; Regulation; Direct credit society; Banking correspondent; Banking as a service

For decades, the supply of financial products and services remained centralized and hardened, so that it was only carried out by a few financial institutions, through traditional models. However, considering the macroeconomic changes and the global movement to apply technology solutions to the financial sector, certain initiatives froem the National Monetary Council and Central Bank of Brazil have enabled the development of payment institutions and new models of financial institutions, with simplified regulatory requirements. As a result, there has been a greater decentralization of the supply of financial services, which is now also carried out by a larger number of institutions and by the so-called fintechs. Due to the greater simplicity to set up a financial or payment institution, companies that are not originally from de banking industry have also become interested in offering financial serviced and products. Considering the goals of improving custumer retentiong and profitability increase, it has become common for traditional companies, such as retailers and bigtechs to offer certain financial products and services, includig banking accounts, digital payment accounts, card inssuance, financing and loans, depending on the explored model. The purpose of this research is to study, therefore, is to analyze the legal aspects and the main regulatory obligations regarding the offering of financial and payment products and services by companies that traditionally do not operate in this sector