| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 1.57 MB | Adobe PDF |
Authors
Advisor(s)
Abstract(s)
O conceito de digitalização está cada vez mais presente no nosso dia a dia e em tudo o que está em desenvolvimento, e o setor bancário não é exceção.
Os canais digitais, fruto do desenvolvimento tecnológico, nos últimos anos trouxeram uma nova forma das instituições bancárias se relacionarem com os seus clientes. Toda esta evolução da banca tem se tornado numa aposta dos bancos com vista a reduzir custos, permitir aos clientes que acedam a tudo o que o banco envolve, a qualquer hora e em qualquer local a partir de um qualquer smartphone, tablet ou outro dispositivo móvel compatível. No fundo esta aposta leva a que os bancos não deixem de acompanhar as novas formas e ideias de “fazer banca” de modo a alcançar o aumento de performance.
A grande verdade é que o futuro da banca está no digital, e nenhuma instituição bancária pode ignorar este facto. Homebanking, Apps bancárias, inteligência artificial, automatização são tudo conceitos que nos transportam para o caminho que o sistema bancário terá de adotar.
Não deixa de ser um facto que apesar das vantagens, ainda é reduzida a taxa de utilização por exemplo das Apps bancárias, e por isso é também importante perceber quais os fatores de decisão direta e indiretamente relacionados.
É importante referir que um fenómeno muito recente em todo o mundo veio promover adaptação e salientar a importância dos meios digitais, refiro-me à pandemia da Covid-19.
Este acontecimento é inegavelmente único na história da humanidade e trouxe mudanças nos hábitos de vida e visões de toda a população. A verdade é que a banca não é exceção e esta pandemia trouxe e trará sem qualquer dúvida mudanças nas instituições bancárias de modo a chegar aos seus clientes onde também eles certamente alteraram certos hábitos de vida.
Por tudo isto, decidi colocar questões de investigações que vou procurar responder ao longo da minha investigação, questões essas que são: 1- “Será que a pandemia que vivemos veio acelerar o fenómeno da digitalização?”; 2- “Será que a digitalização veio potenciar a cibersegurança ou pelo contrário é a segurança um enorme problema para a incorporação do digital?”; 3- ”Quais as melhores estratégias para a incorporação eficaz da banca digital por parte das instituições bancárias?”
The concept of digitization is increasingly present in our daily lives and in everything that is being developed, and the banking sector is no exception. Digital channels, the result of technological development, in recent years have brought a new way for banking institutions to relate to their customers. All this banking evolution has become a bet by banks with a view to reducing costs, allowing customers to access everything the bank involves at any time and in any place from any smartphone, tablet or other compatible mobile device. Basically, this bet leads banks to keep up with the new ways and ideas of “banking” in order to achieve increased performance. The great truth is that the future of banking is in the digital, and any banking institution can ignore this fact. Homebanking, banking apps, artificial intelligence, automation are all concepts that take us to the path that the banking system will need to adopt. It is still a fact that despite the advantages, the usage rate for example of banking Apps is still reduced, and therefore it is also important to understand which decision factors are directly and indirectly related. It is important to note that a very recent phenomenon around the world has come to promote adaptation and to emphasize the importance of digital media, I refer to the Covid-19 pandemic. This event is undeniably unique in the history of mankind and has brought changes in the habits of life and views of the entire population. The truth is that banking is no exception and the pandemic has undoubtedly brought changes in banking institutions in order to reach their customers. For all these topics, i decided to ask research questions that i will try to answer throughout my investigation, questions that are: “ Did the pandemic we are experiencing accelerate the phenomenon of digitalization?”; “Did digitalization enhance cybersecurity or, on the contrary, is security a huge problem for the incorporation of digital?”; What are the best strategies for the effective incorporation of digital banking by banking institutions?”
The concept of digitization is increasingly present in our daily lives and in everything that is being developed, and the banking sector is no exception. Digital channels, the result of technological development, in recent years have brought a new way for banking institutions to relate to their customers. All this banking evolution has become a bet by banks with a view to reducing costs, allowing customers to access everything the bank involves at any time and in any place from any smartphone, tablet or other compatible mobile device. Basically, this bet leads banks to keep up with the new ways and ideas of “banking” in order to achieve increased performance. The great truth is that the future of banking is in the digital, and any banking institution can ignore this fact. Homebanking, banking apps, artificial intelligence, automation are all concepts that take us to the path that the banking system will need to adopt. It is still a fact that despite the advantages, the usage rate for example of banking Apps is still reduced, and therefore it is also important to understand which decision factors are directly and indirectly related. It is important to note that a very recent phenomenon around the world has come to promote adaptation and to emphasize the importance of digital media, I refer to the Covid-19 pandemic. This event is undeniably unique in the history of mankind and has brought changes in the habits of life and views of the entire population. The truth is that banking is no exception and the pandemic has undoubtedly brought changes in banking institutions in order to reach their customers. For all these topics, i decided to ask research questions that i will try to answer throughout my investigation, questions that are: “ Did the pandemic we are experiencing accelerate the phenomenon of digitalization?”; “Did digitalization enhance cybersecurity or, on the contrary, is security a huge problem for the incorporation of digital?”; What are the best strategies for the effective incorporation of digital banking by banking institutions?”
Description
Mestrado em Gestão e Empreendedorismo
Keywords
Canais digitais Futuro da banca Aumento de performance Apps bancárias Inteligência artificial Transição Digital channels Banking future Increased performance Banking apps Artificial intelligence Transition
Citation
Coelho, D. R. (2022) Como desenvolver uma estratégia da banca digital com o aumento de performance. (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/15327