O papel da tecnologia da informação e comunicação na inclusão financeira da população ribeirinha da Ilha de Marajó: o caso Agência Barco

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2015-11-19
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Joia, Luiz Antonio
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The challenge in offering public services infrastructure in less developed areas in Brazil, often furthest from the large urban centers, mobilizes society sectors in search of new and creative approaches that can reduce large interregional disparities. One of the shortcomings faced by some brazilians is the lack of access to the financial system, compromising their capacity of full insertion in the economy and making it more difficult to create and accumulate wealth, prevailing situation in Ilha de Marajó, in the state of Pará, which most of its sixteen municipalities presents low or very low Human Development Index (HDI). In order to change this reality, a traveling bank branch installed on a boat was designed in an innovative way, for the purpose of meeting the needs of the riverside people that lives in vast territorial extension, low population density, transportation difficulties and limited supply of information and communication technology (ICT). Thereby, through an exploratory and descriptive approach, this research aims to identify, from the ICT perspective, how the financial inclusion indicators are influenced by the Agência Barco (bank branch on a boat) in Ilha de Marajó. In addition to the theoretical study, empirical research was carried out by means of direct observation and semistructured interviews applied to users and employees of the Agência Barco (bank branch on a boat), over four days in two cities of Ilha de Marajó. Interviews content analysis techniques were applied in order to data analysis and identify financial inclusion elements, transposing the results to a heuristic model of dynamic infoinclusion (2iD), which was adapted to comprise inclusion financial constructs. The research outcome shows that the Agência Barco (bank branch on a boat) can provides the necessary access to financial services and products for Ilha de Marajó inhabitants, at the same time identifies opportunities to expand aspects related to financial education, enabling strengthen the dynamic components of the financial inclusion process, increasing awareness and, then, increasing demand for financial services and products.


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