ADOÇÃO DO MOBILE BANKING NO DISTRITO FEDERAL: UMA ABORDAGEM INTEGRADORA EM UM CONTEXTO DE EDUCAÇÃO FINANCEIRA

Abstract

Mobile banking is a relationship channel between the banks and the customers that´s becoming more and more useful in Brazil, with an exponential growth year after year. In 2014, its application more than doubled in Brazil. However, approximately 96% of the dealings made by this channel doesn´t involve financial movements yet, turning this fact a relevant research problem. In the aim to understand some of the reasons that result on this behavior, the present dissertation suggests a theoretical model of adoption to mobile banking in Distrito Federal. As a source of data a survey was applied to students, professors and administratives staffs of a private college headquartered in Brasília Distrito Federal, the research utilized the softwares SPSS and SmartPLS to analyses and processes the informations using both linear regression and path modeling techniques. Considering the latent variable Financial Education mainly as moderator of perceived risks, was tested three diferents theoretical models and the main results gotten were the confirmation that both Innovativeness and Optimism constructs are strong influentionals of disposition to the use by mobile banking. Complementarily, the study showed that it didn´t have difference of behavior to adoption to mobile banking between the members of generations X and Y in the considered sample.