Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study.
Autor(a) principal: | |
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Data de Publicação: | 2018 |
Outros Autores: | , |
Tipo de documento: | Artigo |
Idioma: | eng |
Título da fonte: | Revista de Administração de Roraima - RARR |
Texto Completo: | https://revista.ufrr.br/adminrr/article/view/4886 |
Resumo: | In the last decades, there has been a shift from the use of cash to use of electronic and digital money. There are several phases to build and overcome until the digital money reaches similar levels of cash usage. This work, through the environmental segmentation model of Almeida (2001), aims to present the main factors necessary for the viability of the use and expansion of digital payment means in Brazil. An exploratory research of the qualitative type was carried out. The method used is the case study, more specifically, a study of the sector of electronic and digital payment means. Secondary data were initially collected by collecting information from market reports and articles available in databases. Then, with a semi-structured interview script, primary data were collected. Two interviews were conducted with specialists in the segment. The benefits of using digital money will be many. The interviews highlighted that digital money would generate new revenues with intangible "products"; will allow the emergence of new markets; it may reduce maintenance costs of cash; promote digital and financial inclusion, citizenship and self-esteem. However, obstacles must be overcome: ensuring the authenticity of the transaction; laws and regulations; achieve critical mass; reduction of telecommunication costs; etc. This study benefits the management academy by exploring the technique of environmental segmentation. It addressed a theme little investigated and described in the literature, digital money. It is of utmost importance to business organizations and society to analyze the environment for the entry of digital money, as these can benefit from the new product. It is also hoped that this work will encourage study in other fields such as consumer behavior and organizational theories. |
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Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study.Meios de Pagamento Digital: a realidade Brasileira. Um estudo de segmentação ambientaldigital payment modedigital moneystrategymanagementpayment methods.pagamento digitaldinheiro digitalestratégiagestãomeios de pagamento.In the last decades, there has been a shift from the use of cash to use of electronic and digital money. There are several phases to build and overcome until the digital money reaches similar levels of cash usage. This work, through the environmental segmentation model of Almeida (2001), aims to present the main factors necessary for the viability of the use and expansion of digital payment means in Brazil. An exploratory research of the qualitative type was carried out. The method used is the case study, more specifically, a study of the sector of electronic and digital payment means. Secondary data were initially collected by collecting information from market reports and articles available in databases. Then, with a semi-structured interview script, primary data were collected. Two interviews were conducted with specialists in the segment. The benefits of using digital money will be many. The interviews highlighted that digital money would generate new revenues with intangible "products"; will allow the emergence of new markets; it may reduce maintenance costs of cash; promote digital and financial inclusion, citizenship and self-esteem. However, obstacles must be overcome: ensuring the authenticity of the transaction; laws and regulations; achieve critical mass; reduction of telecommunication costs; etc. This study benefits the management academy by exploring the technique of environmental segmentation. It addressed a theme little investigated and described in the literature, digital money. It is of utmost importance to business organizations and society to analyze the environment for the entry of digital money, as these can benefit from the new product. It is also hoped that this work will encourage study in other fields such as consumer behavior and organizational theories.Nas últimas décadas, ocorreu uma migração da utilização do dinheiro em espécie para o dinheiro eletrônico e digital. Várias são as fases a construir e superar até que o dinheiro digital, atinja níveis de utilização semelhante ao dinheiro em espécie. Esse trabalho, através do modelo de segmentação ambiental de Almeida (2001), visa apresentar os principais fatores necessários à viabilização do uso e da expansão dos meios de pagamento digital no Brasil. Foi realizada pesquisa exploratória do tipo qualitativa. O método utilizado é o estudo de caso, mais especificamente, estudo do setor de meios de pagamento eletrônico e digital. Inicialmente foram coletados dados secundários mediante o levantamento de informações de relatórios de mercado e de artigos disponíveis em bases de dados. Em seguida, com um roteiro de entrevista semiestruturada, dados primários foram coletados. Duas entrevistas foram realizadas junto a especialistas do segmento. Os benefícios do uso do dinheiro digital serão muitos. As entrevistas ressaltaram que o dinheiro digital irá gerar novas receitas com “produtos” intangíveis; possibilitará o surgimento de novos mercados; poderá reduzir custos de manutenção do dinheiro em espécie; promoverá a inclusão digital e financeira, cidadania e auto-estima. No entanto, obstáculos precisam ser vencidos: garantir a autenticidade da transação; leis e regulamentação próprias; atingir massa crítica; redução de custos de telecomunicações; etc. Esse estudo beneficia a academia de administração explorando a técnica de segmentação ambiental. Aborda um tema pouco explorado e descrito na literatura, o dinheiro digital. É de extrema importância, às organizações empresariais e sociedade, a análise do ambiente para a entrada do dinheiro digital, uma vez que essas podem se beneficiar do novo produto. Espera-se também que esse trabalho incentive o estudo em outros campos como, o do comportamento do consumidor e das teorias organizacionaisUniversidade Federal de Roraima2018-06-29info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionAdEapplication/pdfhttps://revista.ufrr.br/adminrr/article/view/488610.18227/2237-8057rarr.v8i1.4886Journal of Management of Roraima-RARR; Vol. 8 No. 1 (2018); 65-85Revista Administración de Roraima (RARR); Vol. 8 Núm. 1 (2018); 65-85Revista de Administração de Roraima - RARR; v. 8 n. 1 (2018); 65-852237-8057reponame:Revista de Administração de Roraima - RARRinstname:Universidade Federal de Roraima (UFRR)instacron:UFRRenghttps://revista.ufrr.br/adminrr/article/view/4886/pdfCopyright (c) 2018 Revista de Administração de Roraima - RARRinfo:eu-repo/semantics/openAccessAbrantes Braga, Farah Diba Mary AnniIsabella, GiulianaRamos, Heidy Rodriguez2018-06-29T19:33:54Zoai:oai.revista.ufrr.br:article/4886Revistahttps://revista.ufrr.br/index.php/adminrr/PUBhttps://revista.ufrr.br/adminrr/oairarr.ufrr@gmail.com||emersonclaytonarantes@gmail.com2237-80572237-8057opendoar:2018-06-29T19:33:54Revista de Administração de Roraima - RARR - Universidade Federal de Roraima (UFRR)false |
dc.title.none.fl_str_mv |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. Meios de Pagamento Digital: a realidade Brasileira. Um estudo de segmentação ambiental |
title |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
spellingShingle |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. Abrantes Braga, Farah Diba Mary Anni digital payment mode digital money strategy management payment methods. pagamento digital dinheiro digital estratégia gestão meios de pagamento. |
title_short |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
title_full |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
title_fullStr |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
title_full_unstemmed |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
title_sort |
Digital Payment Means: the Brazilian reality. An "Environmental Segmentation" study. |
author |
Abrantes Braga, Farah Diba Mary Anni |
author_facet |
Abrantes Braga, Farah Diba Mary Anni Isabella, Giuliana Ramos, Heidy Rodriguez |
author_role |
author |
author2 |
Isabella, Giuliana Ramos, Heidy Rodriguez |
author2_role |
author author |
dc.contributor.author.fl_str_mv |
Abrantes Braga, Farah Diba Mary Anni Isabella, Giuliana Ramos, Heidy Rodriguez |
dc.subject.por.fl_str_mv |
digital payment mode digital money strategy management payment methods. pagamento digital dinheiro digital estratégia gestão meios de pagamento. |
topic |
digital payment mode digital money strategy management payment methods. pagamento digital dinheiro digital estratégia gestão meios de pagamento. |
description |
In the last decades, there has been a shift from the use of cash to use of electronic and digital money. There are several phases to build and overcome until the digital money reaches similar levels of cash usage. This work, through the environmental segmentation model of Almeida (2001), aims to present the main factors necessary for the viability of the use and expansion of digital payment means in Brazil. An exploratory research of the qualitative type was carried out. The method used is the case study, more specifically, a study of the sector of electronic and digital payment means. Secondary data were initially collected by collecting information from market reports and articles available in databases. Then, with a semi-structured interview script, primary data were collected. Two interviews were conducted with specialists in the segment. The benefits of using digital money will be many. The interviews highlighted that digital money would generate new revenues with intangible "products"; will allow the emergence of new markets; it may reduce maintenance costs of cash; promote digital and financial inclusion, citizenship and self-esteem. However, obstacles must be overcome: ensuring the authenticity of the transaction; laws and regulations; achieve critical mass; reduction of telecommunication costs; etc. This study benefits the management academy by exploring the technique of environmental segmentation. It addressed a theme little investigated and described in the literature, digital money. It is of utmost importance to business organizations and society to analyze the environment for the entry of digital money, as these can benefit from the new product. It is also hoped that this work will encourage study in other fields such as consumer behavior and organizational theories. |
publishDate |
2018 |
dc.date.none.fl_str_mv |
2018-06-29 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion AdE |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://revista.ufrr.br/adminrr/article/view/4886 10.18227/2237-8057rarr.v8i1.4886 |
url |
https://revista.ufrr.br/adminrr/article/view/4886 |
identifier_str_mv |
10.18227/2237-8057rarr.v8i1.4886 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.relation.none.fl_str_mv |
https://revista.ufrr.br/adminrr/article/view/4886/pdf |
dc.rights.driver.fl_str_mv |
Copyright (c) 2018 Revista de Administração de Roraima - RARR info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2018 Revista de Administração de Roraima - RARR |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Universidade Federal de Roraima |
publisher.none.fl_str_mv |
Universidade Federal de Roraima |
dc.source.none.fl_str_mv |
Journal of Management of Roraima-RARR; Vol. 8 No. 1 (2018); 65-85 Revista Administración de Roraima (RARR); Vol. 8 Núm. 1 (2018); 65-85 Revista de Administração de Roraima - RARR; v. 8 n. 1 (2018); 65-85 2237-8057 reponame:Revista de Administração de Roraima - RARR instname:Universidade Federal de Roraima (UFRR) instacron:UFRR |
instname_str |
Universidade Federal de Roraima (UFRR) |
instacron_str |
UFRR |
institution |
UFRR |
reponame_str |
Revista de Administração de Roraima - RARR |
collection |
Revista de Administração de Roraima - RARR |
repository.name.fl_str_mv |
Revista de Administração de Roraima - RARR - Universidade Federal de Roraima (UFRR) |
repository.mail.fl_str_mv |
rarr.ufrr@gmail.com||emersonclaytonarantes@gmail.com |
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1809277524217167872 |