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Authors
Advisor(s)
Abstract(s)
Nos últimos anos, a conjugação dos avanços tecnológicos com o histórico de casos de fraude envolvendo instituições financeiras, resultou num aumento significativo do interesse pela tecnologia blockchain. Este contexto tem levado os clientes a procurarem mais informação e consequentemente a demonstrar um maior interesse por serviços inovadores, tais como métodos de pagamento alternativos, transferências internacionais mais rápidas e novas oportunidades de investimento.
A DeFi (finanças descentralizadas) tem potencial para desencadear mudanças significativas no sistema financeiro global, logo as instituições financeiras devem considerar estratégias de negócio orientadas para o futuro, posicionando-se adequadamente nesta economia de ativos digitais em constante evolução.
O presente trabalho visa explorar os conceitos e as estratégias que têm sido implementadas pelo setor bancário no âmbito da adoção da blockchain, com o intuito de avaliar se a sua implementação pode efetivamente ser benéfica. Sendo a blockchain uma tecnologia disruptiva com um enorme potencial para aumentar a confiança e transparência do setor bancário, destacam-se como principais vantagens a utilização de smart contracts, redução de custos, aumento da segurança, eficiência e transparência, melhoria na rapidez das transferências, qualidade da informação e criação de novos serviços para os clientes.
No que diz respeito à metodologia utilizada, foi aplicado um inquérito por questionário online, com o objetivo de compreender a disposição dos clientes das instituições financeiras para a utilização de serviços baseados na tecnologia blockchain. A amostra do estudo é composta por 168 inquiridos e os resultados da pesquisa indicam que, de forma geral, os clientes mostram-se recetivos à utilização de novos serviços baseados nesta tecnologia, ou seja, as instituições financeiras ao observar estas tendências devem seguir o caminho da inovação e implementar estratégias que possibilitem a adoção da tecnologia blockchain, de modo a assegurar a continuidade da satisfação e confiança dos seus clientes, reforçar a sua posição competitiva e evitar serem ultrapassados pela concorrência.
In recent years, the combination of technological advancements and the historical instances of fraud involving financial institutions has resulted in a significant increase in interest in blockchain technology. This context has led customers to seek more information, demonstrating a greater interest in innovative services such as alternative payment methods, faster international transfers, and new investment opportunities. DeFi (decentralized finance) has the potential to trigger significant changes in the global financial system. Therefore, financial institutions must consider forward-looking business strategies to appropriately position themselves in this constantly evolving digital asset economy. The present study aims to explore the concepts and strategies that have been implemented by the banking sector in the context of blockchain adoption, with the intent to evaluate whether its implementation can indeed be beneficial. Blockchain, as a disruptive technology with enormous potential to enhance trust and transparency in the banking sector, offers several key advantages. These include the use of smart contracts, cost reduction, increased security, efficiency and transparency, improved speed of transfers, higher quality of information, and the creation of new services for clients. Regarding the methodology used, an online questionnaire survey was conducted to understand the willingness of financial institutions' clients to use blockchain-based services. The study sample consists of 168 respondents, and the research results indicate that, in general, clients are receptive to the adoption of new services based on this technology. Therefore, financial institutions, observing these trends, should pursue innovation and implement strategies that enable the adoption of blockchain technology to ensure the continuity of client satisfaction and trust, reinforce their competitive position, and avoid being surpassed by competitors.
In recent years, the combination of technological advancements and the historical instances of fraud involving financial institutions has resulted in a significant increase in interest in blockchain technology. This context has led customers to seek more information, demonstrating a greater interest in innovative services such as alternative payment methods, faster international transfers, and new investment opportunities. DeFi (decentralized finance) has the potential to trigger significant changes in the global financial system. Therefore, financial institutions must consider forward-looking business strategies to appropriately position themselves in this constantly evolving digital asset economy. The present study aims to explore the concepts and strategies that have been implemented by the banking sector in the context of blockchain adoption, with the intent to evaluate whether its implementation can indeed be beneficial. Blockchain, as a disruptive technology with enormous potential to enhance trust and transparency in the banking sector, offers several key advantages. These include the use of smart contracts, cost reduction, increased security, efficiency and transparency, improved speed of transfers, higher quality of information, and the creation of new services for clients. Regarding the methodology used, an online questionnaire survey was conducted to understand the willingness of financial institutions' clients to use blockchain-based services. The study sample consists of 168 respondents, and the research results indicate that, in general, clients are receptive to the adoption of new services based on this technology. Therefore, financial institutions, observing these trends, should pursue innovation and implement strategies that enable the adoption of blockchain technology to ensure the continuity of client satisfaction and trust, reinforce their competitive position, and avoid being surpassed by competitors.
Description
Mestrado em Gestão das Instituições Financeiras
Keywords
Blockchain Instituições financeiras Segurança Eficiência Tecnologia Financial institutions Security Efficiency Technology
Citation
Lopes, C. A. N. (2024) Inovação no setor financeiro: Uma análise da utilização da tecnologia Blockchain nas instituições financeiras. [Dissertação de mestrado, Instituto Superior de Contabilidade e Administração de Lisboa]. Repositório Científico do Instituto Politécnico de Lisboa. http://hdl.handle.net/10400.21/17922