A regulamentação das fintechs como ferramenta de melhoria ao acesso ao crédito no Brasil.

Abstract

The Brazilian credit market has faced several difficulties due to failures in the financial and banking system. On the other hand, it emerged in the last decade the institute of fintech that aims to create technologies capable of performing services of the traditional banking system in a digital form, enabling improvements and expanding the offer to segregated customer of the traditional system. In this regard, the present research is justified in the necessity of studying the regulation of fintechs in Brazil, seeking to understand the function of these institutions in the credit release in the country. Thus, the research purpose is to analyze the supra-mentioned regulation based on the regulatory milestones created by the Central Bank through the Resolution nº 4.656/2016, in view of the utilization of fintechs as way to improve the credit access in Brazil. This monograph consists in a qualitative research as to the approach in problem solving, it is classified as exploratory as to the objectives and it has used the bibliographic and documentary research techniques to its development. In conclusion, it was demonstrated that the regulation could be important in the long term, at which point when fintechs should have strengthened enough to compete with traditional banks. Besides that, there should be also constant observation of the effects of Central Bank norms as way to evolve the innovative market of fintechs and so that a new market dominated by oligopolies will not emerge.