O avanço da inovação financeira e seu impacto na demanda por papel-moeda no Brasil

Abstract

The aim of this thesis is to investigate the impact of financial innovation on the demand for cash in Brazil. The methodology included a descriptive analysis of data provided by the Central Bank of Brazil (BACEN) and a review of the literature on technological innovations in the banking sector. The results showed that the advancement of digital solutions, such as PIX, has significantly reduced the use of cash, and fintechs are emerging as important agents of transformation in the financial market. Furthermore, the research highlights that, although the use of physical money is declining, its complete extinction is not expected. The thesis suggests that technological evolution will continue to shape the financial system, requiring adaptations in policies and regulations.