fintechs e bancos

Fintechs e bancos: veja os benefícios da competição entre eles

A competição entre fintechs e bancos tradicionais vem se acirrando desde o surgimento dessa nova modalidade de serviço. Com seus produtos inovadores e taxas mais atrativas para os usuários, muitas pessoas veem o crescimento da participação das fintechs no mercado como uma ameaça aos bancos, o que não é exatamente uma verdade.

Enquanto aquelas simplificam a vida dos seus clientes desenvolvendo soluções específicas, estes têm um papel importantíssimo por trás das inovações. Basicamente, são eles que viabilizam a concretização desses projetos, além de utilizar a sua capilaridade para alcançar um número maior de consumidores.

Quer entender como essa competição entre fintechs e bancos pode ser vantajosa para a sua empresa? Então, fique conosco e aproveite a leitura!

Como funcionam as FinTechs?

Surgidas da união entre os termos em inglês finance e technology, as fintechs são empresas que baseiam toda a sua prestação de serviços financeiros na tecnologia. Trata-se de um modelo de negócio recente, com alto potencial de desenvolvimento, as chamadas startups do setor financeiro.

Historicamente, a primeira fintech reconhecida no mercado é o PayPal, fundado em 1998, nos Estados Unidos da América. Sua principal solução é a possibilidade de efetuar pagamentos e transferências sem que isso seja intermediado por um banco. No entanto, foi apenas por volta de 2008 que esse modelo de empresa se popularizou.

Entre os objetivos das fintechs está a criação de soluções com aplicações práticas que resolvam as principais dores do seu público no relacionamento com o banco — excesso de burocracia, dependência dos atendentes, processos lentos, taxas altas. Isso, com certeza, gera certa competição entre esses negócios, mas também contribui para a satisfação do consumidor final.

De que forma a competição com os bancos beneficia?

Embora pareça natural e compreensível que os bancos tentem retaliar as fintechs e barrar sua participação no mercado, isso não é o que acontece. A competição entre fintechs e bancos é muito positiva, não só para esses negócios, mas também para as empresas e pessoas que consomem os seus serviços.

O crescimento das fintechs no mercado força os bancos a se moverem em direção a processos de inovação, tornando seus serviços mais ágeis, digitalizados, intuitivos e baratos. Enquanto isso, as startups de serviços financeiros buscam nas instituições financeiras tradicionais aqueles elementos que podem fazer com que elas se concretizem no mercado.

O resultado é uma troca de aprendizado interessante, que proporciona:

  • melhoria na experiência do cliente;
  • fortalecimento das transações em ambiente online;
  • redução da burocracia e do tempo de espera para atendimento;
  • soluções práticas e conectadas;
  • taxas de juros e serviços mais baixas;
  • maior transparência na contratação dos serviços;
  • segurança de dados e protocolos de segurança mais rígidos;
  • processos mais ágeis e fáceis;
  • personalização dos serviços para aumentar a conveniência e a funcionalidade para os usuários;
  • adesão às plataformas móveis, como os smartphones e as mídias sociais.

Como escolher a melhor FinTech?

Os serviços oferecidos pelas fintechs fazem toda a diferença para a empresa. Entre as especializadas oferecidas estão as de crédito, de pagamentos, de gestão financeira, de empréstimo e negociação de dívidas, de investimentos, de seguros e muito mais.

Escolher a melhor delas para o seu negócio é, na verdade, um processo de identificação sobre as suas maiores necessidades. Portanto, escolha uma startup que ofereça os serviços financeiros que você pretende agilizar, tornar mais práticos, seguros e fáceis.

Em alguns casos, você encontrará fintechs especializadas neste ou naquele segmento. Em outros, no entanto, você contará com diversos serviços em um mesmo parceiro. Sendo assim, procure sobre a fintech para entender qual opção melhor responde às suas necessidades. Visite o site e as informações disponíveis online, analise o contrato antes de fechar uma negociação, busque referências de outros clientes etc.

Gostou desse assunto sobre fintechs e bancos? Então não pare por aqui, entenda os impactos da transformação digital no mercado financeiro!

65 pensou em “Fintechs e bancos: veja os benefícios da competição entre eles

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