A bancarização brasileira com o isolamento social e avanço das contas digitais
Arquivos
Data
2022-02-22
Autores
Julião, Amanda Silva [UNIFESP]
Orientadores
Carrera Junior, José Marcos [UNIFESP]
Tipo
Trabalho de conclusão de curso de graduação
Título da Revista
ISSN da Revista
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Resumo
Este trabalho tem como objetivo geral analisar a relação do aumento do nível de bancarização no Brasil com o aumento das receitas dos Bancos Digitais e o isolamento social enfrentado pelos brasileiros nos anos de 2020 e 2021. Classificado como pesquisa exploratória e com abordagem quantitativa, foram analisadas duas amostras: a primeira composta pelas informações financeiras de três dos maiores bancos digitais brasileiros, o Nubank que nasceu como uma fintech, o Banco Inter foi considerado o primeiro banco digital do Brasil, e o C6 Bank que alcançou a marca de um milhão de clientes em menos de um ano de funcionamento. A coleta de dados foi efetuada no sistema IF-data, disponibilizada pelo Banco Central do Brasil e no site das próprias instituições. A segunda amostra consiste em um questionário estruturado com nove perguntas que foi aplicado em um grupo de 100 pessoas escolhidas no período compreendido entre 01 de agosto e 10 de agosto de 2022. O objetivo do questionário foi entender se existiu a preferência de uma conta digital à uma conta de um banco tradicional no período de isolamento social no Brasil. Na análise das receitas dos bancos digitais, foi notório o aumento significativo no saldo das contas contábeis “Rendas de operações de Crédito” e “Rendas de prestação de serviço” no comparativo dos exercícios contábeis 2019, 2020 e 2021. Na análise descritiva e quantitativa das 82 respostas recebidas pelo questionário aplicado, observou-se que 91% dos respondentes afirmaram que o uso de contas digitais se intensificou nos períodos de 2020 e 2021 e destes apenas para 2,6% o principal motivo da intensificação não é o isolamento social. Com isto, espera-se que esse estudo contribua para ampliar as discussões a respeito do nível de bancarização no Brasil.
This paper has the objective of analyzing the relation between the increase in the level in the number of people who have a bank account in Brazil with the increase in financial income of Digital Banks and the social isolation faced by Brazilians in the years 2020 and 2021. Classified as exploratory research and with a quantitative approach, the analysis of two samples: the first was composed of the financial information of three of the largest Brazilian digital banks, Nubank which was born as a fintech, Banco Inter that was considered the first digital bank in Brazil, and C6 Bank which reached the mark of one million clients in less than a year of operation. Data collection was carried out using the IF-data system, available by the Central Bank of Brazil. The second sample consists of a structured questionnaire with nine questions that was applied to a group of 100 people chosen in the period between August 1st and August 10th, 2022. The objective of the questionnaire was to understand whether there was a preference for a digital account over an account at a traditional bank during the period of social isolation in Brazil. Analyzing the financial income of the digital banks, we found a significant increase in the balance of the accounting accounts “Income from Credit operations” and “Income from financial services” in the comparison of the 2019, 2020 and 2021 financial years. Of the 82 responses received by the applied questionnaire, we observed that 91% of the respondents stated that the use of digital accounts was intensified in the periods of 2020 and 2021, and of these only 2.6% expressed that the main reason for the intensification was not social isolation. That said, we hope that this study will contribute to broaden the discussions about the level of bank users in Brazil.
This paper has the objective of analyzing the relation between the increase in the level in the number of people who have a bank account in Brazil with the increase in financial income of Digital Banks and the social isolation faced by Brazilians in the years 2020 and 2021. Classified as exploratory research and with a quantitative approach, the analysis of two samples: the first was composed of the financial information of three of the largest Brazilian digital banks, Nubank which was born as a fintech, Banco Inter that was considered the first digital bank in Brazil, and C6 Bank which reached the mark of one million clients in less than a year of operation. Data collection was carried out using the IF-data system, available by the Central Bank of Brazil. The second sample consists of a structured questionnaire with nine questions that was applied to a group of 100 people chosen in the period between August 1st and August 10th, 2022. The objective of the questionnaire was to understand whether there was a preference for a digital account over an account at a traditional bank during the period of social isolation in Brazil. Analyzing the financial income of the digital banks, we found a significant increase in the balance of the accounting accounts “Income from Credit operations” and “Income from financial services” in the comparison of the 2019, 2020 and 2021 financial years. Of the 82 responses received by the applied questionnaire, we observed that 91% of the respondents stated that the use of digital accounts was intensified in the periods of 2020 and 2021, and of these only 2.6% expressed that the main reason for the intensification was not social isolation. That said, we hope that this study will contribute to broaden the discussions about the level of bank users in Brazil.
Descrição
Citação
JULIÃO, Amanda Silva. A bancarização brasileira com o isolamento social e avanço das contas digitais. 2022. Trabalho de Conclusão de Curso (Bacharelado em Ciências Contábeis) - Universidade Federal de São Paulo, Escola Paulista de Política, Economia e Negócios, Osasco, 2022.