Um estudo sobre uso do Open Banking entre universitários na Grande São Paulo utilizando o Modelo de Prontidão e Adoção de Tecnologia (TRAM)
DOI:
https://doi.org/10.5585/exactaep.2021.17453Palavras-chave:
Prontidão tecnológica, Adoção de tecnologia, Open Banking, Tecnologia bancária.Resumo
O compartilhamento de dados bancários de clientes entre as instituições financeiras é chamado de Open Banking. Ele permite a consolidação das informações de diferentes contas bancárias em um único local e a realização de transferências e pagamentos sem a necessidade de acesso a um banco específico. Sua adoção visa o aumento da competição e eficiência no mercado financeiro, e atualmente está em regulamentação pelo Banco Central do Brasil. Este artigo utiliza o Technology Readiness and Acceptance Model (TRAM) para avaliar a intenção de uso do Open Banking entre jovens universitários. Os resultados obtidos indicam que a utilidade percebida é afetada pelo otimismo, desconforto e insegurança, enquanto a facilidade de uso percebida é afetada somente pela inovatividade. Dado que os modelos de aceitação de tecnologia são sensíveis ao contexto cultural de cada país, este estudo contribui para a literatura, e oferece uma visão do potencial de adoção do Open Banking entre a parcela da população que será grande usuária dessa tecnologia.
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