Bøger af Mario Perossa

A cryptocurrency is a non-physical and decentralized digital asset where the monetary authority does not intervene. Its creation is due to encryption techniques without the existence of a central server, which provides security and control over its generation. Its nature is global since it transcends all borders and its popularity is increasing day by day.Somehow, as fintechs allow new technologies to improve traditional banking and provide centralized financial support, decentralized finance (DeFi) emerges as a tool to execute transactions in a secure, fast, direct and decentralized way.Before Bitcoin, it was not possible to conceive of a scarce and tradable digital asset over the internet without an entity responsible for keeping track of that property and all transactions occurring on the network.

The worldwide massification of the use of smartphones and the penetration of the Internet in large regions of the world, allowed the growth of the Fintech industry, which from the combination of the above mentioned factors plus the use of ICT's allowed the creation of new instruments and forms of organization to develop tasks that previously required human presence and now became remote and within reach of the hand, making operations in real time from and to anywhere in the world. One of the advantages of the fintech industry is that it allows the financial inclusion of vast sectors of society that were outside the traditional banking system, either due to lack of knowledge, disinterest, inaccessibility or not having the necessary profile to be a customer of a financial institution. The massification of the use of electronic wallets has resulted in many previously excluded groups of individuals entering the digital financial system.