Como as fintechs transformaram o mercado: estudo de caso Cappta

• Autor(a) principal: Costa, Luigi Alves da
• Data de Publicação: 2023
• 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/40234
• topic: CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO; Fintechs; Meios de pagamento; Varejo; Transformação digital; Fintechs; Payment options; Retail; Digital transformation

This paper presented a study on the rise of the fintechs, what led to emergence and exponential growth of these companies in a market that was dominated by large traditional companies. The innovations brought by these companies were researched, which factors influenced internally and externally their development, Central Bank of Brazil’s role on the regulation of their activities, which retail companies reacted and adapted to this new reality and what they learned from this scenario. With a market full of new entrants and new technological trends emerging more and more, there is a need to update strategies for traditional companies, which requires new strategies for a scenario of little certainty, high risk and great return in the short term. So, a doubt arises: what would fintechs have to offer differently to markets with so many traditional companies? In addition to the technological innovations brought by these startups, new strategies and business models also emerge that end up becoming competitive advantages and change the market scenario