A EVOLUÇÃO DIGITAL DO MERCADO BANCÁRIO BRASILEIRO: ANÁLISE COMPARATIVA ENTRE BANCOS TRADICIONAIS E BANCOS DIGITAIS

Abstract

Traditional banking institutions have had to adapt to maintain their market share and avoid losing ground to digital banks that have sought to offer increasingly modern and eficiente services to their clients, providing a range of conveniences and less bureaucratic access. In response to this threat, conventional banks, in order to sustain competitiveness, have begun to adopt new tools such as internet banking, which can be installed on electronic devices such as mobile phones, tablets, and computer extensions, or even accessed remotely online. Due to this technological advancement, the study aims to identify and analyze the effects of technological transformations in the context of the major Brazilian traditional banking institutions and how they have dealt with a new market niche known as digital banks. The objective is also to compare the advantages and disadvantages proposed by these organizations. For the development of this work, exploratory qualitative research will be conducted, with the main basis being a literature review. Digital transformation and the rise of fintech and digital institutions are shaping the banking market and challenging traditional banks to adapt to customer demands for a more digital experience. Although this change has a significant financial impact, it also provides opportunities to improve customer service, increase customer loyalty, and remain competitive in an ever-evolving market.