DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT

Detalhes bibliográficos
Autor(a) principal: Borges, Lis
Data de Publicação: 2021
Outros Autores: Figueiredo, Paulo, Uchoa Passos, Francisco, Marques dos Santos, Ernani
Tipo de documento: Artigo
Idioma: por
eng
Título da fonte: Marketing & Tourism Review
Texto Completo: https://revistas.face.ufmg.br/index.php/mtr/article/view/6695
Resumo: This study aimed to evaluate factors that influence the intention of using digital banks by potential consumers in Brazil. The theoretical framework is based on the Technology Acceptance Model (TAM). Although similar studies on this subject have already been conducted, in various contexts and in other countries, this is a pioneering study on this specific topic in the Brazilian context. By means of a descriptive and quantitative approach, data were collected using a questionnaire, in a non-representative sample of 113 potential users. Data analysis was performed using multivariate linear regression. The results indicated that the perception of utility, the perception of satisfaction, the perception of security and privacy, as well as income, positively affect the intention to use the digital bank and are the most significant factors for the studied sample. In addition to the academic contribution to studies focused on the acceptance of banking technologies, the conclusions contribute to enabling digital banks to build strategies that add value to the perception of these factors by potential consumers of banking products.
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spelling DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXTFATORES DETERMINANTES DA ACEITAÇÃO DE MERCADO DA TECNOLOGIA DO BANCO DIGITAL NO CONTEXTO BRASILEIROmarketingaceitação de mercadoaceitação de tecnologiabanco digitalbrasilmarketingmarket acceptancetechnology acceptancedigital bankBrazilThis study aimed to evaluate factors that influence the intention of using digital banks by potential consumers in Brazil. The theoretical framework is based on the Technology Acceptance Model (TAM). Although similar studies on this subject have already been conducted, in various contexts and in other countries, this is a pioneering study on this specific topic in the Brazilian context. By means of a descriptive and quantitative approach, data were collected using a questionnaire, in a non-representative sample of 113 potential users. Data analysis was performed using multivariate linear regression. The results indicated that the perception of utility, the perception of satisfaction, the perception of security and privacy, as well as income, positively affect the intention to use the digital bank and are the most significant factors for the studied sample. In addition to the academic contribution to studies focused on the acceptance of banking technologies, the conclusions contribute to enabling digital banks to build strategies that add value to the perception of these factors by potential consumers of banking products.Este trabalho teve como objetivo estudar os fatores que influenciam a intenção de uso dos bancos digitais pelos potenciais consumidores no Brasil. O referencial teórico fundamenta-se no Modelo de Aceitação da Tecnologia (TAM). Muito embora já tenham sido realizados estudos semelhantes sobre este tema, em vários contextos e em outros países, este é um estudo pioneiro no contexto brasileiro, sobre este tema específico. Por meio de uma abordagem descritiva e quantitativa, dados foram coletados a partir de um questionário, em uma amostra não representativa de 113 potenciais usuários. A análise dos dados foi feita através de regressão linear multivariada. Os resultados indicaram que a percepção de utilidade, a percepção de satisfação, percepção de segurança e privacidade, bem como a renda afetam positivamente a intenção de uso do banco digital e são os fatores mais significativos para a amostra estudada. Além da contribuição acadêmica para os estudos sobre aceitação de tecnologias bancárias, as conclusões contribuem para que os bancos digitais construam estratégias que agreguem valor à percepção desses fatores pelos potenciais consumidores de produtos bancários.Federal University of Minas Gerais2021-09-28info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfapplication/pdfhttps://revistas.face.ufmg.br/index.php/mtr/article/view/669510.29149/mtr.v6i2.6695Marketing & Tourism Review; v. 6 n. 2 (2021): ago-setMarketing & Tourism Review; Vol. 6 No. 2 (2021): ago-set2525-81762525-817610.29149/mtr.v6i2reponame:Marketing & Tourism Reviewinstname:Universidade Federal de Minas Gerais (UFMG)instacron:UFMGporenghttps://revistas.face.ufmg.br/index.php/mtr/article/view/6695/3502https://revistas.face.ufmg.br/index.php/mtr/article/view/6695/3503Copyright (c) 2021 Lis Borges, Paulo Figueiredo, Francisco Uchoa Passos, Ernani Marques dos Santoshttps://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessBorges, LisFigueiredo, PauloUchoa Passos, FranciscoMarques dos Santos, Ernani2021-09-28T23:17:28Zoai:ojs.pkp.sfu.ca:article/6695Revistahttps://revistas.face.ufmg.br/index.php/mtrPUBhttps://revistas.face.ufmg.br/index.php/mtr/oaimkt.tourism.review@gmail.com||mg.ufmg@gmail.com2525-81762525-8176opendoar:2021-09-28T23:17:28Marketing & Tourism Review - Universidade Federal de Minas Gerais (UFMG)false
dc.title.none.fl_str_mv DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
FATORES DETERMINANTES DA ACEITAÇÃO DE MERCADO DA TECNOLOGIA DO BANCO DIGITAL NO CONTEXTO BRASILEIRO
title DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
spellingShingle DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
Borges, Lis
marketing
aceitação de mercado
aceitação de tecnologia
banco digital
brasil
marketing
market acceptance
technology acceptance
digital bank
Brazil
title_short DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
title_full DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
title_fullStr DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
title_full_unstemmed DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
title_sort DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
author Borges, Lis
author_facet Borges, Lis
Figueiredo, Paulo
Uchoa Passos, Francisco
Marques dos Santos, Ernani
author_role author
author2 Figueiredo, Paulo
Uchoa Passos, Francisco
Marques dos Santos, Ernani
author2_role author
author
author
dc.contributor.author.fl_str_mv Borges, Lis
Figueiredo, Paulo
Uchoa Passos, Francisco
Marques dos Santos, Ernani
dc.subject.por.fl_str_mv marketing
aceitação de mercado
aceitação de tecnologia
banco digital
brasil
marketing
market acceptance
technology acceptance
digital bank
Brazil
topic marketing
aceitação de mercado
aceitação de tecnologia
banco digital
brasil
marketing
market acceptance
technology acceptance
digital bank
Brazil
description This study aimed to evaluate factors that influence the intention of using digital banks by potential consumers in Brazil. The theoretical framework is based on the Technology Acceptance Model (TAM). Although similar studies on this subject have already been conducted, in various contexts and in other countries, this is a pioneering study on this specific topic in the Brazilian context. By means of a descriptive and quantitative approach, data were collected using a questionnaire, in a non-representative sample of 113 potential users. Data analysis was performed using multivariate linear regression. The results indicated that the perception of utility, the perception of satisfaction, the perception of security and privacy, as well as income, positively affect the intention to use the digital bank and are the most significant factors for the studied sample. In addition to the academic contribution to studies focused on the acceptance of banking technologies, the conclusions contribute to enabling digital banks to build strategies that add value to the perception of these factors by potential consumers of banking products.
publishDate 2021
dc.date.none.fl_str_mv 2021-09-28
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://revistas.face.ufmg.br/index.php/mtr/article/view/6695
10.29149/mtr.v6i2.6695
url https://revistas.face.ufmg.br/index.php/mtr/article/view/6695
identifier_str_mv 10.29149/mtr.v6i2.6695
dc.language.iso.fl_str_mv por
eng
language por
eng
dc.relation.none.fl_str_mv https://revistas.face.ufmg.br/index.php/mtr/article/view/6695/3502
https://revistas.face.ufmg.br/index.php/mtr/article/view/6695/3503
dc.rights.driver.fl_str_mv Copyright (c) 2021 Lis Borges, Paulo Figueiredo, Francisco Uchoa Passos, Ernani Marques dos Santos
https://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2021 Lis Borges, Paulo Figueiredo, Francisco Uchoa Passos, Ernani Marques dos Santos
https://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
application/pdf
dc.publisher.none.fl_str_mv Federal University of Minas Gerais
publisher.none.fl_str_mv Federal University of Minas Gerais
dc.source.none.fl_str_mv Marketing & Tourism Review; v. 6 n. 2 (2021): ago-set
Marketing & Tourism Review; Vol. 6 No. 2 (2021): ago-set
2525-8176
2525-8176
10.29149/mtr.v6i2
reponame:Marketing & Tourism Review
instname:Universidade Federal de Minas Gerais (UFMG)
instacron:UFMG
instname_str Universidade Federal de Minas Gerais (UFMG)
instacron_str UFMG
institution UFMG
reponame_str Marketing & Tourism Review
collection Marketing & Tourism Review
repository.name.fl_str_mv Marketing & Tourism Review - Universidade Federal de Minas Gerais (UFMG)
repository.mail.fl_str_mv mkt.tourism.review@gmail.com||mg.ufmg@gmail.com
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