The impact of fintechs on the bank spread

Cristiane Benetti (), João Marcello Gomes Martha, Jesus de Lisboa Gomes and Vinicius Augusto Brunassi Silva
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Cristiane Benetti: ICN Business School, CEREFIGE - Centre Européen de Recherche en Economie Financière et Gestion des Entreprises - UL - Université de Lorraine

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Abstract: This article analyzed the impact of fintechs on the Brazilian financial industry. We focus on the Market Share indicators of the main institutions from Brazilian bank system. Moreover, we observe if it is enough to trigger a decline in Brazilian bank spread. Using data provided by IF.Data system from Central Bank of Brazil, quarterly financial data of all Brazilian financial institutions from 2010 to 2018 were collected. It resulted in a database of about 57,000 observations. The empirical outcomes indicated that, despite the insertion of new competitors, the concentration of credit and investment in the six largest Brazilian banks remains above 80% without loss of spread in the period observed.

Date: 2023-05-03
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Published in International Journal of Scientific Management and Tourism, 2023, 9 (2), pp.636-664. ⟨10.55905/ijsmtv9n2-001⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04144123

DOI: 10.55905/ijsmtv9n2-001

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