Inovação em Modelos de Negócio nas Finanças Descentralizadas (DeFi): Co-criação, Inovação Aberta e as Tensões do Capitalismo Informacional 4.0 no Setor de Tecnologia.
Inovação em Modelos de Negócio nas Finanças Descentralizadas (DeFi): Co-criação, Inovação Aberta e as Tensões do Capitalismo Informacional 4.0 no Setor de Tecnologia.
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DOI: https://doi.org/10.22533/at.ed.338112619023
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Palavras-chave: inovação; modelos de negócio; co-criação; capitalismo informacional; governança algorítmica; DeFi
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Keywords: innovation; business models; co-creation; informational capitalism; algorithmic governance; DeFi.
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Abstract: This paper analyzes the reconfiguration of business models within the Decentralized Finance (DeFi) ecosystem under the aegis of informational capitalism 4.0. It investigates the paradigmatic transition from restricted innovation toward open innovation models and algorithm-mediated co-creation, grounded in a new regime of mathematical trust. From a socio-technological perspective, the tensions between protocol autonomy and state regulation are discussed, identifying the challenges that algorithmic governance and social datification impose on monetary sovereignty and ethics within the technology sector. The study concludes that the success of DeFi depends on balancing radical decentralization with governance mechanisms that prevent power concentration, particularly within the context of Latin American development.
- Rogério Lopes Nicacio