Understanding the use of mobile banking in rural areas of Brazil

Malaquias, Rodrigo Fernandes; Silva, Altieres Frances

doi:10.1016/j.techsoc.2020.101260

Cited by 68 publications

(66 citation statements)

References 68 publications

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“…In particular, the sample of devices monitored using this technology cannot be considered a representative population sample, as state/cities with superior economic status will probably exhibit increased technology adoption by their populations, leading to better accuracy of the mobility patterns in these regions. This is in contrast to rural areas, for instance, where mobile phone usage is limited [31]. However, considering the general widespread use of mobile phones in the country (with estimates that 60% of adults report owning a smartphone [32]), the general trends observed in our work should not be drastically altered by more accurate measurements of Social mobility reduction.…”

Section: Discussionmentioning

confidence: 78%

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Jorge

Vilela

Silva

et al. 2020

Preprint

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COVID-19 is now identified in almost all countries in the world, with poorer regions being particularly more disadvantaged to efficiently mitigate the impacts of the pandemic. In the absence of efficient therapeutics or vaccines, control strategies are currently based on non-pharmaceutical interventions, comprising changes in population behavior and governmental interventions, among which the prohibition of mass gatherings, closure of non-essential establishments, quarantine and movement restrictions. In this work we analyzed the effects of 547 published governmental interventions, and population adherence thereof, on the dynamics of COVID-19 cases across all 27 Brazilian states, with emphasis on state capitals and remaining inland cities. A generalized SEIR model with a time-varying transmission rate (TR), that considers transmission by asymptomatic individuals, is presented. Confirmed COVID-19 cases were used to calibrate the model parameters using non-linear least squares methods. We analyze the changes on the TR and effective reproduction number as a function of both the extent of enforced measures across Brazilian states as well as population movement. The social mobility reduction index, a measure of population movement, together with the stringency index, adapted to incorporate the degree of restrictions imposed by governmental regulations, were used in conjunction to quantify and compare the effects of varying degrees of policy strictness across Brazilian states. Our results show that population adherence to social distance recommendations plays an important role for the effectiveness of interventions, and represents a major challenge to the control of COVID-19 in low- and middle-income countries.

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Section: Discussionmentioning

confidence: 78%

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Jorge

Vilela

Silva

et al. 2020

Preprint

View full text Add to dashboard Cite

show abstract

“…In particular, the sample space of devices monitored using this technology cannot be considered a representative population sample, as state/cities with superior economic status will probably exhibit increased technology adoption by their populations, leading to better accuracy of the mobility patterns in these regions. This is in contrast to rural areas, for instance, where mobile phone usage is limited ( Malaquias and Silva, 2020 ). However, considering the general widespread use of mobile phones in the country (with estimates that 60% of adults report owning a smartphone ( Pew Research Center, 2019 )), the general trends observed in our work should not be drastically altered by more accurate measurements of social mobility reduction.…”

Section: Discussionmentioning

confidence: 95%

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Jorge¹,

Rodrigues²,

Silva³

et al. 2021

Epidemics

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COVID-19 is now identified in almost all countries in the world, with poorer regions being particularly more disadvantaged to efficiently mitigate the impacts of the pandemic. In the absence of efficient therapeutics or large-scale vaccination, control strategies are currently based on non-pharmaceutical interventions, comprising changes in population behavior and governmental interventions, among which the prohibition of mass gatherings, closure of non-essential establishments, quarantine and movement restrictions. In this work we analyzed the effects of 707 governmental interventions published up to May 22, 2020, and population adherence thereof, on the dynamics of COVID-19 cases across all 27 Brazilian states, with emphasis on state capitals and remaining inland cities. A generalized SEIR (Susceptible, Exposed, Infected and Removed) model with a time-varying transmission rate (TR), that considers transmission by asymptomatic individuals, is presented. We analyze the effect of both the extent of enforced measures across Brazilian states and population movement on the changes in the TR and effective reproduction number. The social mobility reduction index, a measure of population movement, together with the stringency index, adapted to incorporate the degree of restrictions imposed by governmental regulations, were used in conjunction to quantify and compare the effects of varying degrees of policy strictness across Brazilian states. Our results show that population adherence to social distance recommendations plays an important role for the effectiveness of interventions and represents a major challenge to the control of COVID-19 in low- and middle-income countries.

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“…Furthermore, both the technological acceptance factors and technical characteristics of Digital application found to have impact on use. Banks should place particular importance on improving the usability, ease of use and safeness of Digital Banking' site, since according to our results, they could affect directly and indirectly the use, forming a positive attitude towards these services, leading to their adoption and the increase of users' satisfaction (Sikdar et al, 2015;Mwiya et al, 2017;Ajimon, 2018;Alalwan et al, 2018;Nkyoi et al, 2019;Jahan et al, 2020;Malaquias & Silva, 2020;Sabbir et al, 2020).…”

Section: Discussionmentioning

confidence: 67%

“…Individual' s social environment, referring mainly to those who have some control or whose opinion is valuable for potential users (Family, colleagues), could affect the use of some electronic banking services (Akinci et al, 2004;Al-smadi, 2012;Patel & Patel, 2018). It is worth mentioning that, when the social environment also consisted of various promotions or the observations of the use by others, the effect is either negligible, very small, or isolated in specific banking services such as Phone-Banking and other home-based banking services (Alalwan et al, 2018;Malaquias & Silva, 2020).…”

Section: Review Of Literaturementioning

confidence: 99%

Behavioral Analysis of Digital Banking Acceptance and Customer Satisfaction, in Greece

Anysiadou

2021

IFB

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Greeks seem to be unfamiliar with online banking services, which was an obstacle to the smooth conduct of their transactions, especially during the Covid-19 period. The objective of the study is to reveal the dimensions that influence the use of Digital Banking, including users’ satisfaction and no users’ perceptions in Greece during Covid-19 period, using both econometrical and behavioral analysis approaches. Performing factor analysis, a Structural Equation Model and Multiple Logistic Regressions Models derived that both technological and personal factors, such as, personality and familiarity with banking products could impact the use and maintenance of the use of Digital-Banking in Greece. Besides, technical characteristics of services applications’ such as easiness in login and security influenced users’ satisfaction, while other traditional banking services such as ATM’s and automatic machines’ use, including the behavioral intention to change the way someone is conducting his/her banking transactions, could also be an obstacle in adoption. The particular study examines at the first time not only the perceptions of Greek consumers about electronic banking services, such as Digital-Banking, but also the factors, which will enhance the existing users’ satisfaction, in conjunction with the barriers that lead in non-adoption, including other banking services.

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Understanding the use of mobile banking in rural areas of Brazil

Cited by 68 publications

References 68 publications

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Assessing the nationwide impact of COVID-19 mitigation policies on the transmission rate of SARS-CoV-2 in Brazil

Behavioral Analysis of Digital Banking Acceptance and Customer Satisfaction, in Greece

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