New business models and technologies in the national financial system (SFN)

Abstract

The National Financial System (SFN) has evolved from traditional structures to an agile and dynamic model driven by innovations such as Artificial Intelligence, Machine Learning, Fintechs, PIX and Open Finance. This study analyzed the changes in the SFN, investigating how these technologies reconfigure its structure and operation. The research used a mixed methodology, combining questionnaires and specialized sources such as books and scientific articles, applying statistical techniques such as discriminant and variance analysis to ensure the accuracy of the results. The work highlights the adaptation of the SFN to new technological and economic realities, anticipating challenges and exploring emerging opportunities in the financial sector.