Abstract
Digital technologies are driving a process of reshaping the value proposition of existing financial products and services. Areas such as digital currencies, payments, funding, investment, risk management and insurance are experiencing major changes driven by the adoption of financial technology. Consumers by other side are increasingly adopting new information technologies and digital resources. Value chains tend to no longer present standard solutions to become more dynamic with personalised solutions, integrating physical or digital products/services, developed from information about consumer preferences. The objective of implementing financial technology in traditional financial services, allows an improvement in the experience and efficiency of the services provided. To accomplish this goal is essential identifying the variables across the entire market that influence consumer behaviour, with the aim of achieving a relevant digital relationship and value generation for all current and potential users.
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