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Fintech, Digital Inclusion And Banking In Brazil (2014- 2017)

Author

Listed:
  • Antonio Eduardo Silva Almeida

    (Universidade Federal do ABC)

  • Marco Antonio Jorge

    (Universidade Federal de Sergipe)

Abstract

When it comes to storage, processing and usage of data, the recurring innovations have been revolutionizing the 21st century. The banking system has been through big change and has been implementing technology evermore. This merging of financial services with massive use of technology, known as fintech, became an important vector for ongoing innovation. Nevertheless, the majority of people will not enjoy the benefit, since a good amount of people don’t have access to digital devices (they’re digital outcasts) that would enable them to partake in those services. In that sense, this work’s standpoint seeks to analyze, by means of data panel regression, from 2014 to 2017, if the banking level is influenced by the growth of fintechs and other variables that involve digital inclusion (education, income and TIC). The results found that digitalization and internet access make banking easier, as opposed to fintechs that so far do not.

Suggested Citation

  • Antonio Eduardo Silva Almeida & Marco Antonio Jorge, 2021. "Fintech, Digital Inclusion And Banking In Brazil (2014- 2017)," Revista de Economia Mackenzie (REM), Mackenzie Presbyterian University, Social and Applied Sciences Center, vol. 18(2), pages 80-108, July-Dece.
    • Handle: RePEc:aft:journl:v:18:2:2021:jul:dec:p:80-108
    DOI: -
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    More about this item

    Keywords

    Electronic Information System; Transaction Costs; Regulatory Agency; Technology;
    All these keywords.

    JEL classification:

    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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