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O impacto das fintech no mercado financeiro português : em especial, o crowdfunding no acesso ao financiamento de startups e PME's
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Resumo(s)
Nas últimas décadas, o setor financeiro passou por profundas transformações impulsionadas pela digitalização e pelo crescimento das empresas fintech. Essas inovações redefiniram o modelo bancário tradicional, promovendo o desenvolvimento de mecanismos alternativos de financiamento, como o crowdfunding. Este estudo analisa como as fintechs estão a remodelar os mercados financeiros, com um foco particular em Portugal, abordando desafios essenciais, como as dificuldades de financiamento enfrentadas por startups e pequenas e médias empresas. A análise explora os desafios regulatórios colocados por esses novos modelos financeiros, destacando a necessidade de equilibrar a inovação com a proteção dos investidores e a estabilidade financeira. Ao contribuir para o debate em curso sobre a regulamentação financeira, esta dissertação enfatiza o papel estratégico das fintechs no desenvolvimento do mercado. Embora ofereçam inúmeras vantagens, continua a ser essencial adaptar os quadros regulatórios para mitigar eficazmente os riscos associados.
In recent decades, the financial sector has undergone profound transformations driven by digitalization and the rise of fintech companies. These innovations have redefined the traditional banking model, fostering the development of alternative financing mechanisms such as crowdfunding. This study examines how fintechs are reshaping financial markets, with a particular focus on Portugal, addressing key challenges such as the financing difficulties faced by start-ups and small and medium-sized enterprises (SMEs). The analysis explores the regulatory challenges posed by these new financial models, highlighting the need to balance innovation with investor protection and financial stability. By contributing to the ongoing debate on financial regulation, this dissertation underscores the strategic role of fintechs in market development. While fintechs offer numerous advantages, it remains essential to adapt regulatory frameworks to mitigate associated risks effectively.
In recent decades, the financial sector has undergone profound transformations driven by digitalization and the rise of fintech companies. These innovations have redefined the traditional banking model, fostering the development of alternative financing mechanisms such as crowdfunding. This study examines how fintechs are reshaping financial markets, with a particular focus on Portugal, addressing key challenges such as the financing difficulties faced by start-ups and small and medium-sized enterprises (SMEs). The analysis explores the regulatory challenges posed by these new financial models, highlighting the need to balance innovation with investor protection and financial stability. By contributing to the ongoing debate on financial regulation, this dissertation underscores the strategic role of fintechs in market development. While fintechs offer numerous advantages, it remains essential to adapt regulatory frameworks to mitigate associated risks effectively.
Descrição
Palavras-chave
Fintech Digitalização Inovação financeira Crowdfunding Desafios Regulamentação Portugal Digitalization Financial innovation Challenges Regulation
Contexto Educativo
Citação
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Licença CC
Sem licença CC