O IMPACTO DA TECNOLOGIA NOS MODELOS DE NEGÓCIOS DO SETOR BANCÁRIO

THE IMPACT OF TECHNOLOGY ON THE BANKING SECTOR'S BUSINESS MODELS

Abstract

The objective of the article is to present the recent technological evolutions, which affected the financial market, mainly with new entrants, Fintechs and digital banks. Thus, it is intended to give the reader an idea of ​​the history of the creation of banks to the trends in the sector today, through new business models that seek a large share of this market and how traditional banks are reacting to these changes . Based on the theoretical framework on the subject, a qualitative and exploratory research was built, through a documental survey and a structured questionnaire, with closed and open questions. Answers were collected from 66 people, separated between users and employees of banking institutions. Observing the results, it is possible to conclude that banks have been constantly investing in technologies such as AI and Big Data, to keep up with technological evolution. In addition, the growth of mobile banking as a service channel and the stabilization of the number of active branches are important for analysis.