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Advisor(s)
Abstract(s)
Ao longo dos últimos anos, grande parte dos setores de atividade tiveram de modificar as
suas formas de atuação nos mercados fruto das alterações significativas provocadas pelo
surgimento das tecnologias de informação. As alterações ocorreram na forma de interação
com os seus clientes, nos processos produtivos ou na implementação de estratégias. O
setor bancário não foi exceção e este trabalho procura mostrar como este se adaptou às
transformações digitais.
A problemática que visámos estudar é perceber as diferentes formas que as instituições
financeiras, em Portugal, estão a adotar para continuarem competitivas ao mesmo tempo
que aplicam as tecnologias de informação nos seus serviços. Desta forma, o principal
objetivo é estudar o impacto das tecnologias de informação no setor bancário e evidenciar
a sua relação com as empresas Fintech.
Os resultados foram obtidos utilizando metodologia qualitativa. Foi realizada análise
documental a relatórios e contas publicados periodicamente pelos cinco maiores bancos
em atividade em Portugal, no caso o Banco Comercial Português, a Caixa Geral de
Depósitos, o Banco Português de Investimento, o Banco Santander Totta e o Novobanco.
O estudo foi complementado com uma entrevista semiestruturada ao CEO da Fintech
nBanks.
De uma forma geral, concluímos que a implementação das tecnologias no setor bancário
tem resultado numa evolução positiva da generalidade dos indicadores estudados e que
as empresas Fintech e os bancos podem unir esforços e cooperar para o desenvolvimento
do mercado financeiro em Portugal.
Este estudo contribui para prever os comportamentos futuros de bancos e Fintech tendo
em conta os dados evidenciados nos últimos anos. Esta previsão permite-nos perceber
que a futura relação entre bancos e Fintech poderá ser de cooperação e não de
competitividade entre ambos.
Over the past few years, a significant part of industries has had to modify their ways of operating in the markets due to the substantial emergence of information technologies. The changes occur in terms of interacting with their customers, production processes or implementing strategies. The banking sector is not an exception and this study lies precisely in demonstrating how it has been adapting to digital transformations. The issue we aimed to investigate is to understand the different ways financial institutions in Portugal are adopting to remain competitive while implementing information technologies in their services. Thus, the main purpose is to research on the impact of information technologies in the banking sector and highlight their relationship with Fintech companies. In the present study, the results were obtained using qualitative methodology. A documentary analysis was conducted on reports and accounts published periodically by the five largest banks operating in Portugal, namely Banco Comercial Português, Caixa Geral de Depósitos, Banco Português de Investimento, Banco Santander Totta, and Novobanco. The study was complemented by a semi-structured interview with the CEO of the Fintech company nBanks. In general, we concluded that implementing technologies in the banking sector has led to a positive evolution of most of the studied indicators and that Fintech companies and banks can collaborate and work together to develop the financial market in Portugal. This study contributes to predicting the future behaviors of banks and Fintech companies considering the data highlighted in recent years. This prediction enables us to understand that the relationship between banks and Fintech will be one of cooperation instead of competitiveness.
Over the past few years, a significant part of industries has had to modify their ways of operating in the markets due to the substantial emergence of information technologies. The changes occur in terms of interacting with their customers, production processes or implementing strategies. The banking sector is not an exception and this study lies precisely in demonstrating how it has been adapting to digital transformations. The issue we aimed to investigate is to understand the different ways financial institutions in Portugal are adopting to remain competitive while implementing information technologies in their services. Thus, the main purpose is to research on the impact of information technologies in the banking sector and highlight their relationship with Fintech companies. In the present study, the results were obtained using qualitative methodology. A documentary analysis was conducted on reports and accounts published periodically by the five largest banks operating in Portugal, namely Banco Comercial Português, Caixa Geral de Depósitos, Banco Português de Investimento, Banco Santander Totta, and Novobanco. The study was complemented by a semi-structured interview with the CEO of the Fintech company nBanks. In general, we concluded that implementing technologies in the banking sector has led to a positive evolution of most of the studied indicators and that Fintech companies and banks can collaborate and work together to develop the financial market in Portugal. This study contributes to predicting the future behaviors of banks and Fintech companies considering the data highlighted in recent years. This prediction enables us to understand that the relationship between banks and Fintech will be one of cooperation instead of competitiveness.
Description
Keywords
Bancos Fintech Inovação Tecnologias de informação Transformação digital Banks Innovation Digital transformation Information technologies