Entre innovaciones y disrupciones: Un estudio de caso de un banco público en medio de los cambios en el mercado financiero
DOI:
https://doi.org/10.5585/2024.26240Palabras clave:
innovación tecnológica, mercado financiero, banco públicoResumen
Objetivo del estudio: Este artículo tiene como objetivo comprender cómo responde un banco público a los cambios tecnológicos en el mercado financiero.
Metodología / Enfoque: Se utilizó una metodología cualitativa en un estudio de caso único, con foco en el Banco do Estado de Sergipe, con recopilación de datos a través de entrevistas con directores de gestión de innovación y de análisis de informes del banco y de la Federación Brasileña de Bancos.
Originalidad / Relevancia: La digitalización, ampliamente adoptada en el mercado financiero, acentúa la distinción entre fintechs y bancos tradicionales, destacando la innovación tecnológica como un elemento fundamental. El estudio tiene la originalidad de estudiar la innovación financiera, más específicamente la innovación tecnológica, desde la perspectiva de un banco público, algo que ha sido poco explorado en el campo de los estudios de la innovación. Em cuanto a la relevancia del artículo, genera interés socioeconómico al resaltar los bancos públicos que, entre las instituciones tradicionales, operan con un sesgo social.
Resultados principales: Se observó que la mayoría de las innovaciones impulsadas por Banese apuntan a ganar eficiencia operativa y mejorar el servicio.
Aportaciones teóricas / metodológicas: Un banco público rara vez innova de manera disruptiva, no necesariamente replicando las tendencias del mercado, ya que prioriza los intereses específicos de su audiencia y su misión estratégica.
Contribuciones sociales / de gestión: El uso de datos relacionados con la innovación en la investigación ayuda a los gobiernos a comprender los cambios socioeconómicos, además de monitorear y evaluar la efectividad y eficiencia de sus políticas (OCDE, 2018).
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