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The Brazilian banking system is in a stage of maturity conducive to the receipt of a new entrant that, following the global trend, are FinTechs[3]. In this way, these companies that use technology to provide financial services, are beginning to impact the national financial market, bringing with it potential to shake the results of the country’s large financial corporations. This article has a broad overview of the concentration of the national banking market, compared to global standards, as well as the dimensioning of opportunity for new entrants through technologies established by startups[4], in an irreversible process in terms of innovation. The methodology used here was based on a broad literature review resulting in the identification and consequences of the main impacts of this new financial order, in which size is no longer so relevant, given the implementation of new practices for a constantly renewed spectrum of clients. New entrants to the financial market should be truly customer-centric, agile and able to adapt to a rapidly changing environment, skilled at working with companies in a complex ecosystem of partnerships and markets. They should seek excellence in data analysis, dynamic pricing and the construction of technologies that allow new functionalities to be developed and implemented. New needs, practical, without the bank status symbols.

Future of the national financial market: Moment of innovation by FinTechs in transformation to the national banking environment