DETERMINANT FACTORS OF MARKET ACCEPTANCE OF THE DIGITAL BANKING TECHNOLOGY IN THE BRAZILIAN CONTEXT
Autor(a) principal: | |
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Data de Publicação: | 2021 |
Outros Autores: | , , |
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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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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1798321034097590272 |