Boxso: plataforma para processamento de micropagamentos em Bitcoin para o varejo
Data
2021-04-27
Autores
Paula, Ricardo Felipe de 
Orientadores
Conceição, Arlindo Flavio da
Tipo
Dissertação de mestrado
Título da Revista
ISSN da Revista
Título de Volume
Resumo
A tecnologia Bitcoin nasceu com o propósito de ser utilizada em meios de pagamentos, mas embora haja muitas pessoas negociando a moeda, ela ainda não é utilizada em larga escala no segmento de pagamentos. Bitcoin possui vantagens conhecidas em relação aos meios de pagamentos digitais tradicionais, mas ainda há impedimentos técnicos e sociais que dificultam sua utilização. Em relação a problemas tecnológicos o tempo de confirmação de uma transação é o principal deles, e devido a flutuação no valor da moeda, esse tempo pode inviabilizar seu uso em pagamentos presenciais. Sobre o aspecto social, a falta de conhecimento em Bitcoin e sua pobre interface com o usuário dificultam sua adesão para mais pessoas. Nesta dissertação foi realizada uma revisão sistemática da literatura sobre benefícios e desafios no uso de Bitcoin no varejo. Também foi feita uma pesquisa com varejistas da cidade de São José dos Campos-SP para identificar o nível de conhecimento e interesse sobre Bitcoin. Foram levantados requisitos funcionais, não funcionais e de negócio e foi desenvolvida a POC da plataforma proposta. A POC trabalhará integrada ao sistema que o comércio já utiliza, abstraindo a parte tecnológica e possibilitando que lojistas — sem conhecimento prévio em Bitcoin — possam utilizá-lo em seu estabelecimento. A plataforma também será responsável por converter Bitcoin em reais, possibilitando que lojistas a utilizem sem risco de perdas com uma possível desvalorização da moeda. Além disso, também foram feitas análise de viabilidade e compilações de aspectos legais do uso de moedas digitais no Brasil.
Bitcoin technology was born with the purpose of being used in means of payment, but although there are many people trading the currency, it is still not used on a large scale in the payment segment. Bitcoin has advantages over traditional digital payment methods, but there are still technical and social impediments that hinder its use. Regarding technological problems, the time to determine a transaction is the main one, and due to the fluctuation in the value of the currency, this time may make its use in face-to-face payments unfeasible. On the social side, a lack of knowledge in Bitcoin and its poor user interface make it harder for more people to join. In this dissertation, a systematic review of the literature on benefits and challenges in the use of Bitcoin in retail was carried out. A survey was also conducted with retailers in the city of São José dos Campos-SP to identify the level of knowledge and interest about Bitcoin. Functional, non functional and business requirements were raised and the POC of the proposed platform was developed. The POC will work integrated with the system that the commerce already uses, abstracting the technological part and allowing shopkeepers - without previous knowledge in Bitcoin - to use it in their establishment. The platform will also be responsible for converting Bitcoin into reais, allowing shopkeepers to use it without risk of loss with a possible currency devaluation. In addition, feasibility simulations and compilations of legal aspects of the use of digital currencies in Brazil were also carried out.
Bitcoin technology was born with the purpose of being used in means of payment, but although there are many people trading the currency, it is still not used on a large scale in the payment segment. Bitcoin has advantages over traditional digital payment methods, but there are still technical and social impediments that hinder its use. Regarding technological problems, the time to determine a transaction is the main one, and due to the fluctuation in the value of the currency, this time may make its use in face-to-face payments unfeasible. On the social side, a lack of knowledge in Bitcoin and its poor user interface make it harder for more people to join. In this dissertation, a systematic review of the literature on benefits and challenges in the use of Bitcoin in retail was carried out. A survey was also conducted with retailers in the city of São José dos Campos-SP to identify the level of knowledge and interest about Bitcoin. Functional, non functional and business requirements were raised and the POC of the proposed platform was developed. The POC will work integrated with the system that the commerce already uses, abstracting the technological part and allowing shopkeepers - without previous knowledge in Bitcoin - to use it in their establishment. The platform will also be responsible for converting Bitcoin into reais, allowing shopkeepers to use it without risk of loss with a possible currency devaluation. In addition, feasibility simulations and compilations of legal aspects of the use of digital currencies in Brazil were also carried out.