Os potenciais efeitos das fintechs na promoção da cidadania financeira dos negros no Brasil

Abstract

Even with the effects of the innovations that the financial system has undergone and the ef-forts made by the Brazilian Central Bank so that all citizens can exercise their financial citi-zenship, Brazil has a high number of financially excluded people. Among them, according to the Locomotiva Institute, 69% are black people. For the Central Bank, all actors that make up the financial system are responsible for promoting financial citizenship. In this perspective are the fintechs, that use the intense use of technology for decentralization, debureaucratization and democratization of financial services. In view of this, this study aimed to identify wheth-er fintechs are capable of promoting the financial citizenship of black people in Brazil. The study is characterized as a single case study, being a qualitative research of exploratory and descrip-tive nature. Data were collected through the application of electronic survey instruments and a semi-structured interview script with black customers provided by fintech Conta Black. The results indicate that fintechs have the potential to promote the financial citizenship of black people in Brazil, but with reservations regarding the two of dimensions of financial citizen-ship: consumer protection and participation.