Políticas públicas e regulamentações voltadas ao ecossistema das fintechs no mercado brasileiro

Abstract

This is a study that foster the development of fintech through regulation, promotion and creation of specific public policies for companies operating in the financial sector through innovation and technology, when using digital media in their operations. The objective of the research was to make an overview of the ecosystem of fintechs in Brazil, in addition, it also presents descriptively data for the fintech market in Latin America, in order to make comparisons according to the development degree of each country, as well as present the regulations and comprehensive public policies for each subsector of the environment. Thus, it described the capacity of regulations and public policies to increase the sector's growth by increasing the trustworthiness of consumers and investors, in addition to encouraging the opening of companies. This work was developed through a descriptive research through a biographical review, exploring the databases available in published annual reports specific to the sector. It was possible to conclude that the transformations effected by fintechs are important means of accessing and democratizing financial services. An example of this was the adaptation caused by the COVID-19 pandemic in relation to digital financial services, given that its technological provenance led fintechs to lead the number of financial applications downloaded, in the period between the first quarter of 2020 and the first quarter of 2021 with 37.37%. Furthermore, it was possible to understand the relationship between public policies and regulations in the consolidation of the fintech ecosystem. Finally, it presented the sector's growth expectations linked to possible proposed regulations, such as Open Banking, for example.