NOVAS EVOLUÇÕES DO MERCADO DE CRÉDITO: UMA ANÁLISE SOBRE AS FINTECHS

Este trabalho aborda as constantes mudanças que o mercado financeiro tem sofrido ao longo dos anos. Tal abordagem é devido ao aumento da quantidade de clientes que passaram a aderir ao uso da tecnologia financeira de pequenas empresas em detrimento dos modelos tradicionais de atendimento bancário. Assim, o objetivo do estudo é compreender as novas evoluções ocorridas no mercado financeiro, especificamente de crédito, com relação aos novos modelos de negócios, e a forma como os clientes estão se comportando diante deste novo cenário e como os bancos têm se adaptado a estas mudanças. Este propósito foi atingido através de um estudo identificando as três maiores Fintechs que revolucionaram o mercado de cartões de crédito, modelo de gerenciamento pessoal financeiro e de investimentos. Sendo elas: NUBANK, GUIA BOLSO e OiWARREN, respectivamente. O resultado da pesquisa indica que os clientes têm se adequado e respondido de forma positiva a este novo cenário que, em tão pouco tempo, conquistou um número considerável de usuários. Os maiores prejudicados neste setor são os bancos tradicionais que, apesar do desenvolvimento de projetos de inovação que os aproximam dos novos concorrentes, apresentam indícios de perdas de clientes e até mesmo fechamento de agências.PALAVRAS-CHAVE: Mercado de Crédito; Fintechs; Startup; Instituições Financeiras

Calibration of a soft secondary vertex tagger using proton-proton collisions at √s = 13 TeV with the ATLAS detector

Several processes studied by the ATLAS experiment at the Large Hadron Collider produce low-momentum b-flavored hadrons in the final state. This paper describes the calibration of a dedicated tagging algorithm that identifies b-flavored hadrons outside of hadronic jets by reconstructing the soft secondary vertices originating from their decays. The calibration is based on a proton-proton collision dataset at a center-of-mass energy of 13 TeV corresponding to an integrated luminosity of 140  fb−1. Scale factors used to correct the algorithm’s performance in simulated events are extracted for the b-tagging efficiency and the mistag rate of the algorithm using a data sample enriched in tt¯ events. Several orthogonal measurement regions are defined, binned as a function of the multiplicities of soft secondary vertices and jets containing a b-flavored hadron in the event. The mistag rate scale factors are estimated separately for events with low and high average numbers of interactions per bunch crossing. The results, which are derived from events with low missing transverse momentum, are successfully validated in a phase space characterized by high missing transverse momentum and therefore are applicable to new physics searches carried out in either phase space regime

Search for non-resonant Higgs boson pair production in final states with leptons, taus, and photons in pp collisions at √s = 13 TeV with the ATLAS detector

A search is presented for non-resonant Higgs boson pair production, targeting the bbZZ, 4V (V = W or Z), V V τ τ , 4τ , γγV V and γγτ τ decay channels. Events are categorised based on the multiplicity of light charged leptons (electrons or muons), hadronically decaying tau leptons, and photons. The search is based on a data sample of proton-proton collisions at √s = 13 TeV recorded with the ATLAS detector during Run 2 of the Large Hadron Collider, corresponding to an integrated luminosity of 140 fb−1. No evidence of the signal is found and the observed (expected) upper limit on the cross-section for non-resonant Higgs boson pair production is determined to be 17 (11) times the Standard Model predicted cross-section at 95% confidence level under the background-only hypothesis. The observed (expected) constraints on the HHH coupling modifier, κλ, are determined to be −6.2 < κλ < 11.6 (−4.5 < κλ < 9.6) at 95% confidence level, assuming the Standard Model for the expected limits and that new physics would only affect κλ

Measurement of vector boson production cross sections and their ratios using pp collisions at √s = 13.6 TeV with the ATLAS detector

Abstract available from publisher's website

Beam-induced backgrounds measured in the ATLAS detector during local gas injection into the LHC beam vacuum

Inelastic beam-gas collisions at the Large Hadron Collider (LHC), within a few hundred metres of the ATLAS experiment, are known to give the dominant contribution to beam backgrounds. These are monitored by ATLAS with a dedicated Beam Conditions Monitor (BCM) and with the rate of fake jets in the calorimeters. These two methods are complementary since the BCM probes backgrounds just around the beam pipe while fake jets are observed at radii of up to several metres. In order to quantify the correlation between the residual gas density in the LHC beam vacuum and the experimental backgrounds recorded by ATLAS, several dedicated tests were performed during LHC Run 2. Local pressure bumps, with a gas density several orders of magnitude higher than during normal operation, were introduced at different locations. The changes of beam-related backgrounds, seen in ATLAS, are correlated with the local pressure variation. In addition the rates of beam-gas events are estimated from the pressure measurements and pressure bump profiles obtained from calculations. Using these rates, the efficiency of the ATLAS beam background monitors to detect beam-gas events is derived as a function of distance from the interaction point. These efficiencies and characteristic distributions of fake jets from the beam backgrounds are found to be in good agreement with results of beam-gas simulations performed with theFluka Monte Carlo programme

Search for heavy Majorana neutrinos in e±e± and e±μ± final states via WW scattering in pp collisions at √s = 13 TeV with the ATLAS detector

A search for heavy Majorana neutrinos in scattering of same-sign W boson pairs in proton–proton collisions at √s = 13 TeV at the LHC is reported. The dataset used corresponds to an integrated luminosity of 140 fb−1, collected with the ATLAS detector during 2015–2018. The search is performed in final states including a same-sign ee or eμ pair and at least two jets with large invariant mass and a large rapidity difference. No significant excess of events with respect to the Standard Model background predictions is observed. The results are interpreted in a benchmark scenario of the Phenomenological Type-I Seesaw model. New constraints are set on the values of the |VeN|2 and |VeN V*μN| parameters for heavy Majorana neutrino masses between 50 GeV and 20 TeV, where VℓN is the matrix element describing the mixing of the heavy Majorana neutrino mass eigenstate with the Standard Model neutrino of flavour ℓ = e, μ. The sensitivity to the Weinberg operator is investigated and constraints on the effective ee and eμ Majorana neutrino masses are reported. The statistical combination of the ee and eμ channels with the previously published μμ channel is performed

Search for dark mesons decaying to top and bottom quarks in proton-proton collisions at √s = 13 TeV with the ATLAS detector

A search for dark mesons originating from strongly-coupled, SU(2) dark favor symmetry conserving models and decaying gaugephobically to pure Standard Model final states containing top and bottom quarks is presented. The search targets fully hadronic final states and final states with exactly one electron or muon and multiple jets. The analyzed data sample corresponds to an integrated luminosity of 140 fb−1 of proton-proton collisions collected at √s = 13 TeV with the ATLAS detector at the Large Hadron Collider. No significant excess over the Standard Model background expectation is observed and the results are used to set the first direct constraints on this type of model. The two-dimensional signal space of dark pion masses mπD and dark rho-meson masses mρD is scanned. For mπD /mρD = 0.45, dark pions with masses mπD < 940 GeV are excluded at the 95% CL, while for mπD /mρD = 0.25 masses mπD < 740 GeV are excluded

Combination of searches for Higgs boson decays into a photon and a massless dark photon using pp collisions at √s = 13 TeV with the ATLAS detector

A combination of searches for Higgs boson decays into a visible photon and a massless dark photon (H → γγd) is presented using 139 fb−1 of proton-proton collision data at a centre-of-mass energy of √s = 13 TeV recorded by the ATLAS detector at the Large Hadron Collider. The observed (expected) 95% confidence level upper limit on the Standard Model Higgs boson decay branching ratio is determined to be B(H → γγd) < 1.3% (1.5)%. The search is also sensitive to higher-mass Higgs bosons decaying into the same final state. The observed (expected) 95% confidence level limit on the cross-section times branching ratio ranges from 16 fb (20 fb) for mH = 400 GeV to 1.0 fb (1.5 fb) for mH = 3 TeV. Results are also interpreted in the context of a minimal simplified model

Measurement of vector boson production cross sections and their ratios using pp collisions at <mml:math xmlns:mml="http://www.w3.org/1998/Math/MathML" altimg="si1.svg"><mml:msqrt><mml:mrow><mml:mi>s</mml:mi></mml:mrow></mml:msqrt><mml:mo linebreak="goodbreak" linebreakstyle="after">=</mml:mo><mml:mn>13.6</mml:mn></mml:math> TeV with the ATLAS detector

Fiducial and total W± and Z boson cross sections, their ratios and the ratio of top-antitop-quark pair and W-boson fiducial cross sections are measured in proton–proton collisions at a centre-of-mass energy of s=13.6 TeV, corresponding to an integrated luminosity of 29 fb−1 of data collected in 2022 by the ATLAS experiment at the Large Hadron Collider. The measured fiducial cross-section values for W+→ℓ+ν, W−→ℓ−ν¯, and Z→ℓ+ℓ− (ℓ=e or μ) boson productions are 4250±150 pb, 3310±120 pb, and 744±20 pb, respectively, where the uncertainty is the total uncertainty, including that arising from the luminosity of about 2.2%. The measurements are in agreement with Standard-Model predictions calculated at next-to-next-to-leading-order in αs, next-to-next-to-leading logarithmic accuracy and next-to-leading-order electroweak accuracy

Search for heavy neutral Higgs bosons decaying into a top quark pair in 140 fb−1 of proton-proton collision data at s \sqrt{s} = 13 TeV with the ATLAS detector

Abstract A search for heavy pseudo-scalar (A) and scalar (H) Higgs bosons decaying into a top-quark pair ($$t\overline{t}$$ t t ¯ ) has been performed with 140 fb−1 of proton-proton collision data collected by the ATLAS experiment at the Large Hadron Collider at a centre-of-mass energy of $$\sqrt{s}$$ s = 13 TeV. Interference effects between the signal process and Standard Model (SM) $$t\overline{t}$$ t t ¯ production are taken into account. Final states with exactly one or exactly two electrons or muons are considered. No significant deviation from the SM prediction is observed. The results of the search are interpreted in the context of a two-Higgs-doublet model (2HDM) of type II in the alignment limit with mass-degenerate pseudo-scalar and scalar Higgs bosons (mA = mH) and the hMSSM parameterisation of the minimal supersymmetric extension of the Standard Model. Ratios of the two vacuum expectation values, tan β, smaller than 3.49 (3.16) are excluded at 95% confidence level for mA = mH = 400 GeV in the 2HDM (hMSSM). Masses up to 1240 GeV are excluded for the lowest tested tan β value of 0.4 in the 2HDM. In the hMSSM, masses up to 950 GeV are excluded for tan β = 1.0. In addition, generic exclusion limits are derived separately for single scalar and pseudo-scalar states for different choices of their mass and total width.</jats:p