2013
DOI: 10.1590/s0034-75902013000200008
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Logística da distribuição bancária: tendências, oportunidades e fatores para inclusão financeira

Abstract: Avanços tecnológicos e mudanças nos hábitos e expectativas da sociedade moderna têm direcionado a reestruturação de sistemas bancários, seus modelos de negó-cios, portfólio de serviços e produtos oferecidos. Nesse contexto, emerge a inclusão financeira, que constitui a possibilidade de levar serviços financeiros a pessoas até então excluídas do sistema bancário. No entanto, obter sucesso em iniciativas dessa natureza enseja desafios relevantes para os

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Cited by 12 publications
(12 citation statements)
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“…Among the categories inferred throughout the process of analysis of the “infrastructure and access” component, the “services dissemination” category stands out. Bader and Savoia () point to marketing appropriate to the target audience as a critical factor of the behavioural aspects related to financial inclusion. Thus, ads on local radio report the schedule of visits, but most of the customers interviewed reported that they learned of the presence of Agência Barco when they noticed the vessel or through acquaintances who saw the vessel in port:
… Our lifeline is the radio, because not everyone lives close to the city, nor does everybody have a radio; sometimes they have a radio, but they have no battery … not everyone has electric lighting, sometimes the batteries run low.
…”
Section: Resultsmentioning
confidence: 99%
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“…Among the categories inferred throughout the process of analysis of the “infrastructure and access” component, the “services dissemination” category stands out. Bader and Savoia () point to marketing appropriate to the target audience as a critical factor of the behavioural aspects related to financial inclusion. Thus, ads on local radio report the schedule of visits, but most of the customers interviewed reported that they learned of the presence of Agência Barco when they noticed the vessel or through acquaintances who saw the vessel in port:
… Our lifeline is the radio, because not everyone lives close to the city, nor does everybody have a radio; sometimes they have a radio, but they have no battery … not everyone has electric lighting, sometimes the batteries run low.
…”
Section: Resultsmentioning
confidence: 99%
“…Anderloni and Vandone (2006) stress the importance of financial inclusion for society, as citizens are otherwise prevented from contributing in a positive way to the system with their value production capacity. Thus, in Brazil, several works have addressed and assessed the financial inclusion process that has taken place in society (Bader & Savoia, 2013;Cernev, Diniz, & Jayo, 2009;Gonzalez, Diniz, Nascimento, & Kasmirski, 2013;Gussi, Thé, & de Pereira, 2014;Yokomizo, Diniz, & Christopoulos, 2010).…”
Section: Financial Inclusion and Developmentmentioning
confidence: 99%
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“…In Brazil, several studies have investigated financial inclusion in the country (Bader and Savoia, 2013;Gussi et al, 2014). For the central bank, financial inclusion is the process of effective access and use by the population of financial services appropriate for their needs, contributing to their quality of life (BCB, 2015).…”
Section: Financial Inclusion and Developmentmentioning
confidence: 99%
“…However, despite the progress in the relationship between citizens and the financial system, as well as the growing presence of financial institutions in almost all Brazilian municipalities (due to the widespread use of the correspondent banking model), the country still presents less than half of bank agencies per capita than developed countries (Bader and Savoia, 2013). In addition, only 35% of the Brazilian population has a credit card (World Bank, 2014), and approximately 25% of the population declares that they have a bank account only to receive salary, pension or other benefits (BCB, 2015).…”
Section: Financial Inclusion and Developmentmentioning
confidence: 99%