Meios de pagamento: crescimento no Brasil e impacto no consumidor

• Autor(a) principal: Pignatari, Felipe Almeida
• 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/40345
• topic: CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA; Meios de pagamento; PIX; Open Banking; Economia comportamental; Payment methods; PIX; Open Banking; Behavioral economics

Introduction: The topic of payment methods and their impacts on the payers involved is rarely discussed by people who do not work in this market, whether financial institutions or companies that need a payment method, however, it is an extremely relevant topic and should be present in continuing education for courses related to fintechs. Objective: To analyze the evolution of payment methods in Brazil and how it directly and indirectly impacts the consumer, companies that use fintechs to process payments, and the fintechs themselves as well. Material and Methods: The materials used were collected through the portals of large institutions linked to this segment, both government institutions such as the Central Bank and CADE, and private institutions that are in the payments market, such as acquirers, gateways and sub-acquirers. To provide a theoretical basis, theories linked to Behavioral Economics were used to highlight how changes in this market affect consumer purchasing behavior. Result: It is possible to understand the results according to the player and their respective role in the payments arrangement: fintechs that always look for new technologies to innovate the market and gain share; retailers who are always looking for new solutions to attract more customers and offer more payment methods; or the consumer, who is often unaware of this market and is directly influenced by the changes that occur. Discussion: The evolution of the market and provide evidence of how it affects all players in the payment arrangement