Aspectos limitadores e incentivadores para a adoção do mobile payment na realização de operações de microcrédito

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Cernev, Adrian Kemmer
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This study objects to identify aspects that can promote or limit the emergence of mobile payment arrangements (m-payments) that can be used in microcredit initiatives in Brazil. The microcredit theme was chosen not only for the huge potential to perform microcredit operations in Brazil but also for the aspect of economic and social integration that microcredit operations can provide. The choice of mobile payment theme was based on the versatility and innovation of this payment method, with potential for a major transformation of payment methods in the Brazilian market. The analysis of the use of mobile payment initiatives in microfinance arose due to the contributions this mode of payment can bring to perform microfinance operations. The objective of this qualitative study is to assist in understanding the supportive and limiting aspects for the use of mobile payment initiatives in microcredit, as well as to verify what contributions the use of mobile payment can bring to perform microfinance operations. Additionally, using the information obtained from the Relevant Social Groups (RSG) involved in these payment arrangements, this work also aims to identify the influences of these agents to form and to adapt these arrangements. Information to conduct this study was collected primarily through in-depth interviews with selected participants of RSG from these payment arrangements representatives. The interviews were transcribed at the end of this work and represent an important source of information to those interested in the subject, considering the richness of detail presented. For the understanding and interpretation of the object of study, the theoretical framework presented by Coase and Williamson (Transaction Costs), Gannamaneni e Ondrus (Multilevel Framework) was used. With the publication of Resolution 4.282 of Brazilian Central Bank in November 2013, establishing the regulatory framework that governs the authorization and operation of arrangements and payment institutions in Brazil, the subject of this study becomes even more relevant for the academic community participants in the microfinance market and RSG members of the mobile payment arrangements. We hope with this study contribute to a better understanding of the barriers and facilitators for adoption and development of mobile payment arrangements, but mostly that this study may contribute to a greater interaction of these arrangements with microcredit initiatives.

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