AS CARACTERÍSTICAS DAS ABORDAGENS ESTRATÉGICAS ADOTADAS PELAS FINTECHS BRASILEIRAS PARA COMPETIR NA INDÚSTRIA DE MEIOS ELETRÔNICOS DE PAGAMENTOS

Adriano Pitt Dall’agnol; Jorge Renato Verschoore

doi:10.19177/reen.v12e1201995-118

Authors

Adriano Pitt Dall’agnol Universidade do Vale do Rio dos Sinos http://orcid.org/0000-0002-6309-4257
Jorge Renato Verschoore Universidade do Vale do Rio dos Sinos http://orcid.org/0000-0001-7588-7871

DOI:

https://doi.org/10.19177/reen.v12e1201995-118

Keywords:

Startups Fintechs, Electronic means of payment, FsQCA software, Comparative Qualitative Analysis.

Abstract

FinTechs are startups that adopt innovative business models to compete with established financial institutions. The study aims to identify the characteristics of the strategic approaches adopted by Brazilian FinTechs to compete in the electronic payment industry. Comparative Qualitative Analysis (QCA) and fsQCA software were used based on evidence collected from executives of financial institutions and FinTechs. The results demonstrated the relevance of three characteristics: digital technologies, agility and experimentation. Two other features, vision and emergency, were comparatively less frequent. The results are synthesized in the expression PTD+ITD+IAO+IER ? AEF.

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THE CHARACTERISTICS OF THE STRATEGIC APPROACHES ADOPTED BY THE BRAZILIAN FINTECHS TO COMPETE IN THE ELECTRONIC PAYMENT INDUSTRY

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