O impacto da pandemia da Covid-19 nos brasileiros desbancarizados
Data
2022-12-10
Autores
Viana, Brunna Stefani Santos 
Orientadores
Henrique, Marcelo Rabelo
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Este trabalho tem por objetivo identificar de que forma a pandemia da Covid-19 impactou na hipotética diminuição no número de brasileiros desbancarizados e aumento no uso de pagamentos digitais, realizando uma análise do perfil do desbancarizado entre 2017 e 2021 e impacto das ações do governo durante este período. Primeiramente é realizada uma análise teórica a respeito do tema, apresentando diferentes conceitos sobre inclusão e exclusão financeira, e são apresentados dados de estudos anteriores. Em seguida é apresentada a metodologia adotada para coleta de dados que responde ao objetivo de pesquisa. Considerando este cenário, o desenvolvimento dos pagamentos digitais e popularização das Fintechs, foi elaborado um formulário para identificar a percepção sobre a frequência de pagamentos durante a pandemia segundo diferentes perfis socioeconômicos. Os respondentes foram convidados a participar da pesquisa por meio de um questionário eletrônico, foram respondidos 101 questionários, atingindo a amostra calculada, sendo constituído o instrumento de pesquisa por 21 questões de múltipla escolha e escalas do tipo Likert de cinco pontos (1 – discordo totalmente a 5 concordo totalmente). Como resultado, foi possível identificar que independente da renda os respondentes sentem-se incluídos financeiramente, assim a renda não é um fator de sentimento de exclusão financeira entre os participantes. Além disso, conclui-se que a pandemia influenciou no aumento do uso de pagamentos digitais e acesso aos serviços bancários online. É um tema oportuno para o desenvolvimento de novas pesquisas sobre o comportamento financeiro dos brasileiros, crescimento da inclusão financeira durante o período da pandemia e de que forma a pandemia acelerou este processo.
This paper aims to identify how the Covid-19 pandemic had an impact on the hypothetical decrease in the number of unbanked Brazilians and an increase in the use of digital payments, performing an analysis of the profile of the unbanked between 2017 and 2021 and the impact of government actions during this period. First, a theoretical analysis on the subject is carried out, presenting different concepts about financial inclusion and exclusion, and data from previous studies are presented. Next, the methodology adopted for data collection that responds to the research objective is presented. Considering this scenario, the development of digital payments and the popularization of Fintechs, a form was developed to identify the perception of the frequency of payments during the pandemic according to different socioeconomic profiles. The respondents were invited to participate in the research through an electronic questionnaire, 101 questionnaires were answered, reaching the calculated sample, the research instrument being constituted by 21 multiple-choice questions and five-point Likert scales (1 - strongly disagree to 5 I completely agree). As a result, it was possible to identify that, regardless of income, respondents feel financially included, so income is not a factor in the feeling of financial exclusion among participants. In addition, it is concluded that the pandemic influenced the increase in the use of digital payments and access to online banking services. It is an opportune topic for the development of new research on the financial behavior of Brazilians, the growth of financial inclusion during the pandemic period and how the pandemic accelerated this process.
This paper aims to identify how the Covid-19 pandemic had an impact on the hypothetical decrease in the number of unbanked Brazilians and an increase in the use of digital payments, performing an analysis of the profile of the unbanked between 2017 and 2021 and the impact of government actions during this period. First, a theoretical analysis on the subject is carried out, presenting different concepts about financial inclusion and exclusion, and data from previous studies are presented. Next, the methodology adopted for data collection that responds to the research objective is presented. Considering this scenario, the development of digital payments and the popularization of Fintechs, a form was developed to identify the perception of the frequency of payments during the pandemic according to different socioeconomic profiles. The respondents were invited to participate in the research through an electronic questionnaire, 101 questionnaires were answered, reaching the calculated sample, the research instrument being constituted by 21 multiple-choice questions and five-point Likert scales (1 - strongly disagree to 5 I completely agree). As a result, it was possible to identify that, regardless of income, respondents feel financially included, so income is not a factor in the feeling of financial exclusion among participants. In addition, it is concluded that the pandemic influenced the increase in the use of digital payments and access to online banking services. It is an opportune topic for the development of new research on the financial behavior of Brazilians, the growth of financial inclusion during the pandemic period and how the pandemic accelerated this process.
Descrição
Citação
VIANA, Brunna Stefani Santos . O impacto da pandemia da Covid-19 nos brasileiros desbancarizados. 2022. Trabalho de Conclusão de Curso (Bacharelado em Ciências Contábeis) - Universidade Federal de São Paulo, Escola Paulista de Política, Economia e Negócios, Osasco, 2022.