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
“…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%
“…Among the categories inferred throughout the process of analysis of the "infrastructure and access" component, the "services dissemination" category stands out. Bader and Savoia (2013) point to marketing appropriate to the target audience as a critical factor of the behavioural aspects related to financial inclusion.…”
Section: Infrastructure and Access Componentmentioning
The challenge in offering public services in less developed areas in Brazil has mobilized the government in search of new and creative approaches that can reduce major interregional disparities, including lack of access to the financial system, which is the prevailing situation on Marajó Island in the state of Pará in the Brazilian Amazon. To transform this reality, an information and communication technology (ICT)–equipped travelling bank branch installed on a boat—named Agência Barco—was designed for the purpose of meeting the financial needs of the riverine population that lives in a vast territory with low population density, marked transportation difficulties, and a limited supply of ICT. Thus, this research aims to assess the impact of this bank boat in the financial inclusion of a riverine population of Marajó Island in the state of Pará, which is the unit of analysis of this work. The research outcomes indicate that Agência Barco, via ICT, has partially managed to provide access to financial products and services that might be of interest to the riverine population of Marajó Island. However, the lack of basic financial education and context‐based issues related to the ICT infrastructure has been obstacles to the financial inclusion of this riverine population. Finally, the absence of involvement of local people in this endeavour has not stimulated dynamics of empowerment and participation that could lead to sustainable financial inclusion.
“…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%
“…Among the categories inferred throughout the process of analysis of the "infrastructure and access" component, the "services dissemination" category stands out. Bader and Savoia (2013) point to marketing appropriate to the target audience as a critical factor of the behavioural aspects related to financial inclusion.…”
Section: Infrastructure and Access Componentmentioning
The challenge in offering public services in less developed areas in Brazil has mobilized the government in search of new and creative approaches that can reduce major interregional disparities, including lack of access to the financial system, which is the prevailing situation on Marajó Island in the state of Pará in the Brazilian Amazon. To transform this reality, an information and communication technology (ICT)–equipped travelling bank branch installed on a boat—named Agência Barco—was designed for the purpose of meeting the financial needs of the riverine population that lives in a vast territory with low population density, marked transportation difficulties, and a limited supply of ICT. Thus, this research aims to assess the impact of this bank boat in the financial inclusion of a riverine population of Marajó Island in the state of Pará, which is the unit of analysis of this work. The research outcomes indicate that Agência Barco, via ICT, has partially managed to provide access to financial products and services that might be of interest to the riverine population of Marajó Island. However, the lack of basic financial education and context‐based issues related to the ICT infrastructure has been obstacles to the financial inclusion of this riverine population. Finally, the absence of involvement of local people in this endeavour has not stimulated dynamics of empowerment and participation that could lead to sustainable financial inclusion.
“…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
Resumo Esta pesquisa tem como objetivo avaliar o impacto da Agência Barco na inclusão financeira da população ribeirinha da ilha de Marajó. Para tal, foram coletados dados via observação direta e entrevistas com clientes e funcionários da Agência Barco na ilha de Marajó, os quais foram analisados por meio de análise léxica e de conteúdo. As categorias obtidas foram, então, interpretadas vis-à-vis um modelo de inclusão financeira desenvolvido a partir da literatura existente. Os resultados obtidos permitem concluir que a Agência Barco tem conseguido fornecer, parcialmente, acesso a produtos e serviços financeiros. Entretanto, a falta de educação financeira básica da população ribeirinha da ilha de Marajó tem sido um obstáculo para o adequado uso dos serviços financeiros disponíveis, impedindo uma inclusão financeira sustentável.
The challenge of providing the infrastructure of public services in the less developed regions of Brazil has mobilized the Brazilian government in the quest for new and creative approaches that can reduce the major interregional disparities in the country. One of the initiatives implemented include access to the financial system, since, by way of example, such access is almost non-existent on Marajó Island in the state of Pará in the Brazilian Amazon. To change this reality, an innovative e-government project is the itinerant bank branch installed in a boat, named Agência Barco, to serve the riverine populations of regions with low population density, transportation difficulties and limitations in access to information and communication technology (ICT). Thus, the main objective of this research is to identify how the financial inclusion indicators have been influenced by the work of Agência Barco on Marajó Island from the ICT standpoint. The results obtained led to the conclusion that Agência Barco has been able to attend the needs of access to financial products and services demanded by the population of Marajó Island, as well as identify opportunities for broadening financial education and inclusion through this e-government venture.
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