El fenómeno FinTech : estudio de caso de Revolut

Abstract

El fenómeno FinTech se apoya en las novedades tecnológicas para ofrecer servicios y productos financieros más acordes a nuestra sociedad. Las instituciones financieras tradicionales intentan responder a estos nuevos actores mediante la digitalización de su estructura empresarial, sumándose a la regulación cambiante para crear un contexto competitivo y duro. Este ecosistema se apoya en tecnología avanzada y moderna como el Big Data, la inteligencia artificial o el blockchain. Revolut es un ejemplo de start-up FinTech que ha conseguido tener una posición importante en el mercado pese a las múltiples amenazas. Ha logrado anteponerse a competidores, ganando cuota de mercado y sobrepasados peligros derivados de heterogeneidad legal y del continuo avance tecnológico. Sin embargo, debido a un contexto continuamente cambiante, el futuro es incierto y, sin lugar a duda, en un futuro próximo este fenómeno y las dinámicas internas del sector continuarán evolucionando.

The FinTech phenomenon relies on technological developments to offer financial services and products that are more in line with our society. Traditional financial institutions are trying to respond to these new players by digitizing their business structure, adding to the changing regulation to create a competitive and tough context. This ecosystem is supported by advanced and modern technology such as Big Data, Artificial Intelligence or blockchain. Revolut is an example of a FinTech start-up that has managed to have an important position in the market despite multiple threats. It has managed to stand out from competitors, gaining market share and overcoming dangers derived from legal heterogeneity and continuous technological advancement. However, due to a continuously changing context, the future is uncertain and, undoubtedly, in the near future this phenomenon and the internal dynamics of the sector will continue to evolve.