Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro?
Autor(a) principal: | |
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Data de Publicação: | 2023 |
Tipo de documento: | Trabalho de conclusão de curso |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFS |
Texto Completo: | http://ri.ufs.br/jspui/handle/riufs/17655 |
Resumo: | This study aimed to comprehend how a public bank responds to changes in the financial market, mapping, in general and specifically, innovations on the banking sector. The study’s object was Sergipe’s State Bank, an institution majority controlled by that state’s government. In order to fulfill its objective, this paper carried out a single case study, assuming a qualitative nature and an exploratory and descriptive character, and was carried out through document analysis of the Brazilian Federation of Banks and of this public bank, in addition to interviews carried out with three managers from technology-related areas at thissame institution. The main results obtained indicated a popularization of innovative technologies applied on the pursuit of operational efficiency and improvement of customer service in the sector. In addition, the impact of fintechs and digital banks on several performance strategies of traditional banks was also found in a general mapping. It also pointed out, in this same context, to the evolution of the use of data according to changes in customer behavior. In a more specific mapping, It was understood that the analyzed bank also maintains the search for operational efficiency, but is not level with its sector in terms of service improvement. This particular bank was impacted by its younger competitors, which culminated in the creation of its digital bank. However, some factors were indicated as impediments to strategies similar to those of these competitors, the main ones being its reason for existing, its target audience and the relationship with physical structures. The study also identified some pilars to this banks future perspective regarding innovation – the strengthening of a culture of innovation and the digitization will lead the strategies, which will also bring data-driven personalization of the customer’s journey. There is also the ambition of market expansion and portfolio diversification, sparking innovations such as embbeded finance. From this, it was concluded that a public bank is capable of reacting positively to the financial market considerind its limitations, reason for existing and demandas of its customers, and that innovation plays a crucial role in the responses to this market, as it enables an adaptation to these factors mentioned in a timely manner. |
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Santana, Mariana Vieira da SilvaLima, Glessia Silva de2023-05-31T11:22:25Z2023-05-31T11:22:25Z2023-01-27Santana, Mariana Vieira da Silva. Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro?. São Cristóvão, 2023. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2023http://ri.ufs.br/jspui/handle/riufs/17655This study aimed to comprehend how a public bank responds to changes in the financial market, mapping, in general and specifically, innovations on the banking sector. The study’s object was Sergipe’s State Bank, an institution majority controlled by that state’s government. In order to fulfill its objective, this paper carried out a single case study, assuming a qualitative nature and an exploratory and descriptive character, and was carried out through document analysis of the Brazilian Federation of Banks and of this public bank, in addition to interviews carried out with three managers from technology-related areas at thissame institution. The main results obtained indicated a popularization of innovative technologies applied on the pursuit of operational efficiency and improvement of customer service in the sector. In addition, the impact of fintechs and digital banks on several performance strategies of traditional banks was also found in a general mapping. It also pointed out, in this same context, to the evolution of the use of data according to changes in customer behavior. In a more specific mapping, It was understood that the analyzed bank also maintains the search for operational efficiency, but is not level with its sector in terms of service improvement. This particular bank was impacted by its younger competitors, which culminated in the creation of its digital bank. However, some factors were indicated as impediments to strategies similar to those of these competitors, the main ones being its reason for existing, its target audience and the relationship with physical structures. The study also identified some pilars to this banks future perspective regarding innovation – the strengthening of a culture of innovation and the digitization will lead the strategies, which will also bring data-driven personalization of the customer’s journey. There is also the ambition of market expansion and portfolio diversification, sparking innovations such as embbeded finance. From this, it was concluded that a public bank is capable of reacting positively to the financial market considerind its limitations, reason for existing and demandas of its customers, and that innovation plays a crucial role in the responses to this market, as it enables an adaptation to these factors mentioned in a timely manner.Este estudo objetivou compreender como um banco público responde às mudanças no mercado financeiro, mapeando, de forma geral e específica, inovações no setor bancário. O objeto de estudo foi o Banco do Estado de Sergipe – Banese, uma instituição controlada majoritariamente pelo governo desse estado. Para cumprir com o seu objetivo, este trabalho realizou um estudo de caso único, assumindo uma natureza qualitativa e caráter exploratório e descritivo, e se deu por meio de análise documental da Federação Brasileira de Bancos e do banco público em questão, além de entrevistas realizadas com três gestores de áreas relacionadas à tecnologia dessa mesma instituição. Os principais resultados obtidos indicaram uma popularização de tecnologias inovadoras aplicadas na busca por eficiência operacional e aprimoramento do atendimento ao cliente no setor. Além disso, se constatou, também de forma geral, o impacto das fintechs e bancos digitais em diversas estratégias de atuação dos bancos tradicionais. Também se aponta, nesse mesmo contexto, para a evolução do uso de dados de acordo com as mudanças no comportamento dos clientes. Já num mapeamento mais específico, se entendeu que o Banese também mantém a busca por eficiência operacional, mas não está nivelado ao seu setor quanto ao aprimoramento do atendimento. O Banese também foi impactado por seus concorrentes mais novos, o que culminou na criação do seu banco digital. Porém também se indicaram alguns fatores que o impedem de ter estratégias de atuação semelhantes às desses concorrentes, sendo as principais a sua razão de existir, o seu público-alvo e a relação com estruturas físicas. O estudo também identificou alguns pilares da perspectiva futura quanto à inovação do banco em questão – o fortalecimento de cultura de inovação e a digitalização será a protagonista nas suas estratégias, o que trará também a orientação por dados para personalização da jornada dos clientes. Há também a pretensão de expansão de mercado e diversificação de portfólio, suscitando inovações como o embbeded finance. A partir disso, se concluiu que um banco público é capaz de reagir positivamente ao mercado financeiro considerando as suas limitações, razão de existir e demandas dos seus clientes, e que a inovação tem uma participação crucial nas respostas a esse mercado, pois possibilitam uma adequação a esses fatores mencionados em tempo hábil.São Cristóvão, SEporAdministraçãoEnsino de administraçãoAdministração financeiraMercado financeiroTecnologias inovadorasSetor bancárioFinancial innovationFinancial marketInnovative technologiesBank sectorCIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRAEntre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro?info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesisUniversidade Federal de Sergipe (UFS)DAD - Departamento de Administração – São Cristóvão - Presencialreponame:Repositório Institucional da UFSinstname:Universidade Federal de Sergipe (UFS)instacron:UFSinfo:eu-repo/semantics/openAccessLICENSElicense.txtlicense.txttext/plain; charset=utf-81475https://ri.ufs.br/jspui/bitstream/riufs/17655/1/license.txt098cbbf65c2c15e1fb2e49c5d306a44cMD51ORIGINALMariana_Vieira_Silva_Santana.pdfMariana_Vieira_Silva_Santana.pdfapplication/pdf1400613https://ri.ufs.br/jspui/bitstream/riufs/17655/2/Mariana_Vieira_Silva_Santana.pdff3f597d9c5e5fedcf9b8e7e4cd27ca0bMD52TEXTMariana_Vieira_Silva_Santana.pdf.txtMariana_Vieira_Silva_Santana.pdf.txtExtracted texttext/plain225754https://ri.ufs.br/jspui/bitstream/riufs/17655/3/Mariana_Vieira_Silva_Santana.pdf.txt3d7d06ff92ccbb6893c09fb605b6489cMD53THUMBNAILMariana_Vieira_Silva_Santana.pdf.jpgMariana_Vieira_Silva_Santana.pdf.jpgGenerated Thumbnailimage/jpeg1198https://ri.ufs.br/jspui/bitstream/riufs/17655/4/Mariana_Vieira_Silva_Santana.pdf.jpgf41c95642ac4d4dde8ef2472bca3bd28MD54riufs/176552024-05-15 14:09:41.125oai:ufs.br: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Repositório InstitucionalPUBhttps://ri.ufs.br/oai/requestrepositorio@academico.ufs.bropendoar:2024-05-15T17:09:41Repositório Institucional da UFS - Universidade Federal de Sergipe (UFS)false |
dc.title.pt_BR.fl_str_mv |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
title |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
spellingShingle |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? Santana, Mariana Vieira da Silva Administração Ensino de administração Administração financeira Mercado financeiro Tecnologias inovadoras Setor bancário Financial innovation Financial market Innovative technologies Bank sector CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
title_short |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
title_full |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
title_fullStr |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
title_full_unstemmed |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
title_sort |
Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro? |
author |
Santana, Mariana Vieira da Silva |
author_facet |
Santana, Mariana Vieira da Silva |
author_role |
author |
dc.contributor.author.fl_str_mv |
Santana, Mariana Vieira da Silva |
dc.contributor.advisor1.fl_str_mv |
Lima, Glessia Silva de |
contributor_str_mv |
Lima, Glessia Silva de |
dc.subject.por.fl_str_mv |
Administração Ensino de administração Administração financeira Mercado financeiro Tecnologias inovadoras Setor bancário |
topic |
Administração Ensino de administração Administração financeira Mercado financeiro Tecnologias inovadoras Setor bancário Financial innovation Financial market Innovative technologies Bank sector CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
dc.subject.eng.fl_str_mv |
Financial innovation Financial market Innovative technologies Bank sector |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
description |
This study aimed to comprehend how a public bank responds to changes in the financial market, mapping, in general and specifically, innovations on the banking sector. The study’s object was Sergipe’s State Bank, an institution majority controlled by that state’s government. In order to fulfill its objective, this paper carried out a single case study, assuming a qualitative nature and an exploratory and descriptive character, and was carried out through document analysis of the Brazilian Federation of Banks and of this public bank, in addition to interviews carried out with three managers from technology-related areas at thissame institution. The main results obtained indicated a popularization of innovative technologies applied on the pursuit of operational efficiency and improvement of customer service in the sector. In addition, the impact of fintechs and digital banks on several performance strategies of traditional banks was also found in a general mapping. It also pointed out, in this same context, to the evolution of the use of data according to changes in customer behavior. In a more specific mapping, It was understood that the analyzed bank also maintains the search for operational efficiency, but is not level with its sector in terms of service improvement. This particular bank was impacted by its younger competitors, which culminated in the creation of its digital bank. However, some factors were indicated as impediments to strategies similar to those of these competitors, the main ones being its reason for existing, its target audience and the relationship with physical structures. The study also identified some pilars to this banks future perspective regarding innovation – the strengthening of a culture of innovation and the digitization will lead the strategies, which will also bring data-driven personalization of the customer’s journey. There is also the ambition of market expansion and portfolio diversification, sparking innovations such as embbeded finance. From this, it was concluded that a public bank is capable of reacting positively to the financial market considerind its limitations, reason for existing and demandas of its customers, and that innovation plays a crucial role in the responses to this market, as it enables an adaptation to these factors mentioned in a timely manner. |
publishDate |
2023 |
dc.date.accessioned.fl_str_mv |
2023-05-31T11:22:25Z |
dc.date.available.fl_str_mv |
2023-05-31T11:22:25Z |
dc.date.issued.fl_str_mv |
2023-01-27 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
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info:eu-repo/semantics/bachelorThesis |
format |
bachelorThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
Santana, Mariana Vieira da Silva. Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro?. São Cristóvão, 2023. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2023 |
dc.identifier.uri.fl_str_mv |
http://ri.ufs.br/jspui/handle/riufs/17655 |
identifier_str_mv |
Santana, Mariana Vieira da Silva. Entre inovações e disrupções : como um banco público reage às mudanças tecnológicas no mercado financeiro brasileiro?. São Cristóvão, 2023. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2023 |
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Universidade Federal de Sergipe (UFS) |
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DAD - Departamento de Administração – São Cristóvão - Presencial |
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