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Adoção de mobile banking pela geração Z: um panorama do mercado em Portugal
| Name: | Description: | Size: | Format: | |
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| 5.45 MB | Adobe PDF |
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Abstract(s)
O rápido progresso tecnológico e o uso cada vez mais frequente de
dispositivos móveis, o mobile banking emergiu como uma escolha cada vez
mais popular e prática para a administração financeira global. Este estudo
pretendeu investigar as diferentes motivações “variáveis que levam a
Geração Z, composta por pessoas nascidas entre 1995 e 2010, a adotar o
mobile banking (Seemiller & Grace, 2016).
Foi adotada uma abordagem metodológica que utilizou oito
variáveis independentes, baseadas em estudos anteriores e validadas. As
hipóteses identificadas na revisão da literatura foram testadas através de
um questionário aplicado à Geração Z, fornecendo dados empíricos para
validar as suposições. A análise estatística dos dados foi realizada utilizando
o software SPSS. Os nomes dos respetivos autores de onde foram retiradas
as variáveis de estudo estão citados nas hipóteses de investigação.
A análise estatística, realizada com o software SPSS, demonstrou que
confiança, privacidade, risco percebido, valor de utilização, facilidade de
uso e necessidade de interação pessoal influenciam significativamente a
adoção do mobile banking pela Geração Z. Em contrapartida, influência
social e a falta de informação não apresentaram significância.
Due to rapid technological advancements and the increasingly frequent use of mobile devices, mobile banking has emerged as an increasingly popular and practical choice for global financial management. This study aimed to investigate the various motivations that lead Generation Z, individuals born between 1995 and 2010, to adopt mobile banking (Seemiller & Grace, 2016). A methodological approach was employed using eight independent variables, derived from previous studies and validated. Hypotheses identified in the literature review were tested through a questionnaire administered to Generation Z, providing empirical data to validate assumptions. Statistical analysis of the data was conducted using SPSS software. The names of the respective authors from whom the study variables were derived are cited in the research hypotheses. The statistical analysis, conducted with SPSS software, showed that trust, privacy, perceived risk, utility value, ease of use, and the need for personal interaction significantly influence the adoption of mobile banking by Generation Z. On the other hand, social influence and lack of information did not present significance.
Due to rapid technological advancements and the increasingly frequent use of mobile devices, mobile banking has emerged as an increasingly popular and practical choice for global financial management. This study aimed to investigate the various motivations that lead Generation Z, individuals born between 1995 and 2010, to adopt mobile banking (Seemiller & Grace, 2016). A methodological approach was employed using eight independent variables, derived from previous studies and validated. Hypotheses identified in the literature review were tested through a questionnaire administered to Generation Z, providing empirical data to validate assumptions. Statistical analysis of the data was conducted using SPSS software. The names of the respective authors from whom the study variables were derived are cited in the research hypotheses. The statistical analysis, conducted with SPSS software, showed that trust, privacy, perceived risk, utility value, ease of use, and the need for personal interaction significantly influence the adoption of mobile banking by Generation Z. On the other hand, social influence and lack of information did not present significance.
Description
Keywords
Progresso tecnológico Setor bancário Canais digitais Adoção de mobile banking Geração Z