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PIX: desvendando uma Fintech estatal

Author

Listed:
  • Mario G. Schapiro
  • Pedro Salomon Bezerra Mouallem
  • Eric Gil Dantas

Abstract

Este artigo tem como objetivo explicar a atuação do Banco Central do Brasil(BCB) ao criar e operar um novo sistema de pagamento instantâneo, o PIX. Compreendendoque a “financeirização digital” pode assumir diferentes formas, este estudo busca entenderos fatores que levaram a escolha do BCB de lançar uma “Fintech estatal”. A análiseapresenta a complementariedade de três fatores. Em primeiro lugar, a trajetória institucionaldo BCB o tornou cioso de seu perímetro de poder. Em segundo lugar, as ideias compartilhadaspor redes transnacionais justificam o papel ativo dos bancos centrais no tema dossistema de pagamento instantâneo. Em terceiro lugar, os interesses dos bancos tradicionaisnão foram significativamente impactados a ponto de vetarem a criação do PIX. Por meioda análise de documentos do BCB e de literatura secundária, este estudo apresenta umaexplicação original das motivações e circunstâncias que levaram à criação do PIX no Brasil. Classificação JEL: G18; K23.

Suggested Citation

  • Mario G. Schapiro & Pedro Salomon Bezerra Mouallem & Eric Gil Dantas, 2023. "PIX: desvendando uma Fintech estatal," Brazilian Journal of Political Economy, Center of Political Economy, vol. 43(4), pages 874-892.
    • Handle: RePEc:ekm:repojs:v:43:y:2023:i:4:p:874-892:id:2434
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    File URL: https://centrodeeconomiapolitica.org.br/repojs/index.php/journal/article/view/2434/2367
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    More about this item

    Keywords

    Financeirização; financeirização digital; PIX; sistemas de pagamento; Banco Central do Brasil;
    All these keywords.

    JEL classification:

    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • K23 - Law and Economics - - Regulation and Business Law - - - Regulated Industries and Administrative Law

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