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Publication
E-Services, o mercado Fintech e as escolhas dos jovens
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| 2.04 MB | Adobe PDF |
Advisor(s)
Abstract(s)
Os Millennials e Gen Z são os jovens da atualidade que cresceram na revolução digital e tecnológica que se tem vindo a sentir em todos os setores, em especial, na indústria financeira. As Fintech são startups que oferecem serviços financeiros inovadores com recurso a novas tecnologias, e Portugal tem vindo a tornar-se num importante hub tecnológico. O presente trabalho teve como intuito investigar as condicionantes que estimulam e levam os jovens portugueses a utilizarem novas tecnologias e serviços bancários, nomeadamente, o serviço disponibilizado pelas Fintech. Uma investigação não experimental foi conduzida e os dados foram obtidos mediante aplicação de um inquérito a uma amostra de 83 indivíduos, com idades compreendidas entre os 20 e 33 anos de idade, predominando elementos do sexo feminino. Os resultados obtidos indicam que as variáveis de estudo que foram apresentadas como fatores determinantes ao uso de novas tecnologias do setor bancário não revelaram ser significativas embora exista relação. Todavia, “Habilitações Literárias”, uma variável demográfica, revelou ser o único fator decisivo ao uso de novas tecnologias na medida em que se apurou que a escolaridade influencia fortemente a atitude de adoção de novos serviços bancários e mudança para Fintech. Os resultados obtidos sugerem estudos futuros sobre o impacto que as áreas de ensino poderão ter sobre a propensão de adesão a e-services e Fintech.
Millennials and Gen Z are the young people of today who have grown in the digital and technological revolution that has been happening in all sectors, especially in the financial industry. Fintech are startups that offer innovative financial services using new technologies and Portugal has become an important technological hub. The present work aimed to investigate the constraints that stimulate and lead young Portuguese people to use new banking technologies and services, namely the service provided by Fintech. A non-experimental investigation was conducted, and data was obtained by applying a survey to a sample of 83 individuals, aged between 20 and 33 years old, existing, predominantly, female people. The results obtained indicate that the study variables that were presented as determining factors for the use of new technologies in the banking sector did not reveal to be significant although a relationship exists. However, "Literary Qualifications", a demographic variable, revealed to be one and the only decisive factor in the use of new technologies as it was found that schooling strongly influences the attitude of adoption of new banking services and change to Fintech. The results suggest further studies on the impact that fields of study may have on the propensity of adherence to e-services and Fintech.
Millennials and Gen Z are the young people of today who have grown in the digital and technological revolution that has been happening in all sectors, especially in the financial industry. Fintech are startups that offer innovative financial services using new technologies and Portugal has become an important technological hub. The present work aimed to investigate the constraints that stimulate and lead young Portuguese people to use new banking technologies and services, namely the service provided by Fintech. A non-experimental investigation was conducted, and data was obtained by applying a survey to a sample of 83 individuals, aged between 20 and 33 years old, existing, predominantly, female people. The results obtained indicate that the study variables that were presented as determining factors for the use of new technologies in the banking sector did not reveal to be significant although a relationship exists. However, "Literary Qualifications", a demographic variable, revealed to be one and the only decisive factor in the use of new technologies as it was found that schooling strongly influences the attitude of adoption of new banking services and change to Fintech. The results suggest further studies on the impact that fields of study may have on the propensity of adherence to e-services and Fintech.
Description
Keywords
E-services Inovação tecnológica Jovens Fintech