Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context

Braido, Gabriel Machado; Klein, Amarolinda Zanela; Papaleo, Guilherme

doi:10.15728/bbr.2021.18.1.2

Cited by 12 publications

(13 citation statements)

References 19 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…The introduction of online financial services presents risks and challenges that are not yet dominated by organizational managers, in addition to the lack of research covering VCC in the context of digital transformation in financial services [7]. In the field of fintechs, there are difficulties in monetization since users refuse to pay for digital financial services [59]. This hinders the development of business models and highlights the difficulty of organizations in creating value for a digital service.…”

Section: Value Co-destruction In Banking Digital Transformationmentioning

confidence: 99%

Research Directions for Value Co-Destruction in Banking Digital Transformation

Borba¹

2023

E-Service Digital Innovation

View full text Add to dashboard Cite

Digital transformation imposes an invisible legacy on managers: the destruction of value. Technology’s ability to make services intangible can lead to irreparable losses of value to businesses, resulting in a decline in economic potential and imposing a dictatorship of gratuitousness. To research how this happens and propose solutions, I analyze the trend of value co-destruction (VCD) in banking digital transformation. The ability to understand and predict such changes is important to guide the planning, implementation, and evaluation processes of business decisions, since the application of expert systems in decision support is common. Value creation is a central concept in business literature since companies create value through their operations and the delivery of services and products that meet the desires of their customers. However, the value can also be destroyed, causing the bankruptcy of companies and significant changes in the market. Through a semi-systematic review of the literature, I seek the theoretical guidelines of VCD in the context of online banking services. We found 112 articles related to the theme, and part of the systematic analysis of these articles is arranged in this work. The main objective of this theoretical essay is to evidence research propositions for analysis of VCD in the context of digital banking transformation.

show abstract

Section: Value Co-destruction In Banking Digital Transformationmentioning

confidence: 99%

Research Directions for Value Co-Destruction in Banking Digital Transformation

Borba¹

2023

E-Service Digital Innovation

View full text Add to dashboard Cite

show abstract

“…Essa discussão de resiliência organizacional (proativa e reativa) é particularmente relevante para as startups, que são constantemente ameaçadas e, desde o seu nascimento, são suscetíveis a grandes interrupções na continuidade dos negócios, diante da falta de recursos, concorrência acirrada, barreiras de aceitabilidade pelos usuários (Braido et al, 2021), além de eventos adversos como a pandemia causada pela doença por coronavírus 2019 (COVID-19) (Frare & Beuren, 2021b).…”

Section: Controle Gerencial E Resiliência Organizacionalunclassified

“…São organizações que exploram a onda da digitalização e de novas tecnologias para oferecer serviços financeiros disruptivos (Hornuf et al, 2021), ágeis e que conseguem inovar com rapidez, seja incremental ou radicalmente (Brandl & Hornuf, 2020). Além disso, apesar das barreiras para o ingresso de fintechs, o contexto brasileiro se mostra prolífico e cheio de oportunidades (Braido et al, 2021).…”

Section: Amostra E Coleta De Dadosunclassified

“…No âmbito das fintechs brasileiras, diversas são as barreiras que levam ao fracasso, a exemplo de falta de regulação própria, necessidade de investimento e dificuldade para captação de recursos, conflitos com players consolidados no mercado (p. ex., concorrência com grandes bancos e corretoras), dificuldades para encontrar redes de parceiros estratégicos, além do comportamento e aceitação dos usuários (Braido et al, 2021). Destarte, um elemento crucial para aumentar as probabilidades de sucesso e sobrevivência das startups é a resiliência (Frare & Beuren, 2021b).…”

Section: Introductionunclassified

See 1 more Smart Citation

Mecanismos de controle gerencial, imprevisibilidade ambiental e resiliência organizacional

Frare

Leite

Cruz

et al. 2023

Rev. contab. finanç.

View full text Add to dashboard Cite

Resumo Este artigo analisa o papel de mecanismos de controle (formais e informais) no fomento à resiliência organizacional (proativa e reativa) de startups de tecnologia financeira (fintechs), considerando o efeito moderador da imprevisibilidade ambiental. Primeiro, existem poucas evidências sobre mecanismos de controle formais e informais no âmbito da resiliência organizacional. Segundo, os estudos de controles gerenciais enfocam algumas abordagens de resiliência, porém, não abordam a resiliência sobre a ótica proativa e reativa. Terceiro, a literatura sobre os efeitos da imprevisibilidade ambiental em organizações contemporâneas, como as fintechs, ainda é limitada. Por um lado, acrescentam-se novas evidências para a literatura de controle gerencial e resiliência organizacional, amplia-se o entendimento de antecedentes da resiliência em startups e proporcionam-se insights sobre os efeitos da imprevisibilidade ambiental no alinhamento entre controles gerenciais e objetos de controle. Por outro lado, são fornecidos insights de mecanismos de controle que as fintechs podem se beneficiar para desenvolver resiliência organizacional, tanto para antecipar e se preparar quanto para agir e apresentar respostas diante de interrupções nos negócios e momentos incertos. Os achados beneficiam a construção e desenvolvimento da resiliência em fintechs, o que se torna vital para que essas startups consigam sobreviver e consolidar-se no mercado financeiro. Os dados foram coletados por survey e analisados a partir de modelagem de equações estruturais. Uma análise adicional foi conduzida via análise qualitativa comparativa de conjuntos difusos (em inglês, fuzzy set). Os principais resultados revelam que: (i) mecanismos de controle formais e informais fomentam a resiliência organizacional proativa e reativa; (ii) em cenários de alta imprevisibilidade ambiental, maior atenção dedicada aos controles informais resulta em maiores níveis de resiliência proativa; e (iii) existem quatro (cinco) configurações organizacionais que levam as fintechs a alta resiliência proativa (reativa).

show abstract

“…In addition to the lack of research covering VCC in the context of Digital Transformation in financial services (Malar et al, 2019). In the field of fintechs, there are difficulties in monetization, as users refuse to pay for digital financial services (Braido et al, 2021). This makes it difficult to develop business models and highlights the difficulty for organizations to create value for a digital service.…”

Section: Co-destruction Of Value In Digital Banking Transformaçãomentioning

confidence: 99%

Value Co-Destruction in Digital Banking Transformation: Research Propositions

Borba

2022

ECIAIR

View full text Add to dashboard Cite

Digital Transformation imposes an invisible legacy on managers: the destruction of value. The ability of technology to disseminate services can lead to irreparable losses of value for companies, resulting in the decline of economic potential and imposing a dictatorship of gratuitousness. To research how this happens and propose solutions, I analyze the trend of value co-destruction (VCD) in the Digital Bank Transformation. The ability to understand and predict such changes is important to guide the processes of planning, implementing, and evaluating business decisions. Value creation is a central concept in the business literature, as companies create value through their operations and the delivery of services and products that meet the desires of their customers. However, value can also be destroyed, causing companies to fail and significant changes in the market. Through a semi-systematic literature review, I seek the theoretical guidelines of VCD in the context of online banking. We found 112 articles related to the topic and part of the systematic analysis of these articles is available in this work. The main objective of this theoretical essay is to highlight research propositions for the analysis of VCD in the context of Digital Banking Transformation. For the main delivery, it is necessary to: 1) delimit the concepts related to Digital Transformation and VCD; 2) understand how the VCD process is configured; 3) define the mechanisms related to the VCD; and 4) gather characteristics of the financial services segment in the context of Digital Transformation. Two proposals were proposed for future research.

show abstract

Facilitators and Barriers faced by Mobile Payment Fintechs in the Brazilian Context

Cited by 12 publications

References 19 publications

Research Directions for Value Co-Destruction in Banking Digital Transformation

Research Directions for Value Co-Destruction in Banking Digital Transformation

Mecanismos de controle gerencial, imprevisibilidade ambiental e resiliência organizacional

Value Co-Destruction in Digital Banking Transformation: Research Propositions

Contact Info

Product

Resources

About