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Advisor(s)
Abstract(s)
As tecnologias de informação têm remodelado o setor financeiro de maneira profunda, melhorando a experiência do cliente, aumentando a eficiência operacional e criando oportunidades para inovar. É um processo contínuo que tem tido cada vez mais impacto nas Instituições Financeiras e que continuará a moldar o sistema financeiro durante os próximos anos, garantindo segurança, transparência e contínua evolução, tanto para o consumidor como para o trabalhador. A Inteligência Artificial e o Blockchain são as duas tecnologias presentes neste estudo. Segundo diversos autores de variadíssimos estudos e publicações, estas duas tecnologias têm várias definições associadas ao seu conceito, mas que grande parte concorda que as máquinas têm a capacidade resolver muitos problemas, tal como o ser humano.
Em termos globais, o objetivo da dissertação passa por analisar os impactos que a implementação destas tecnologias têm tido no sistema financeiro, de forma positiva ou negativa, na visão do consumidor e do trabalhador. Para dar seguimento aos objetivos propostos, foi adotado para o estudo empírico o método de investigação misto, através de um inquérito por questionário e de duas entrevistas.
Os resultados revelam que as tecnologias têm os seus benefícios e as suas limitações, mas que têm desempenhado um papel significativo na transformação digital no setor financeiro.
No entanto, existe algum receio em que as funções desempenhadas por humanos sejam substituídas por máquinas, ameaçando os profissionais do setor financeiro. Com o constante desenvolvimento, espera-se que o homem e a máquina consigam trabalhar em conjunto em prol de uma evolução positiva.
Information technologies have profoundly reshaped the financial sector, improving the customer experience, increasing operational efficiency and creating opportunities for innovation. It is a continuous process that has increasingly had an impact on Financial Institutions and will continue to shape the financial system over the coming years, ensuring security, transparency and continuous evolution, for both consumers and workers. Artificial Intelligence and Blockchain are the two technologies present in this study. According to several authors of a wide range of studies and publications, these two technologies have several definitions associated with their concept, but most agree that machines have the capacity to solve many problems, just like humans. In global terms, the objective of the dissertation is to analyze the impacts that the implementation of these technologies has had on the financial system, positively or negatively, from the perspective of consumers and workers. To pursue the proposed objectives, a mixed research method was adopted for the empirical study, through a questionnaire survey and two interviews. The results reveal that technologies have their benefits and limitations but that they have played a significant role in the digital transformation in the financial sector. However, there is some fear that functions performed by humans will be replaced by machines, threatening professionals in the financial sector. With constant development, it is expected that man and machine will be able to work together towards positive evolution.
Information technologies have profoundly reshaped the financial sector, improving the customer experience, increasing operational efficiency and creating opportunities for innovation. It is a continuous process that has increasingly had an impact on Financial Institutions and will continue to shape the financial system over the coming years, ensuring security, transparency and continuous evolution, for both consumers and workers. Artificial Intelligence and Blockchain are the two technologies present in this study. According to several authors of a wide range of studies and publications, these two technologies have several definitions associated with their concept, but most agree that machines have the capacity to solve many problems, just like humans. In global terms, the objective of the dissertation is to analyze the impacts that the implementation of these technologies has had on the financial system, positively or negatively, from the perspective of consumers and workers. To pursue the proposed objectives, a mixed research method was adopted for the empirical study, through a questionnaire survey and two interviews. The results reveal that technologies have their benefits and limitations but that they have played a significant role in the digital transformation in the financial sector. However, there is some fear that functions performed by humans will be replaced by machines, threatening professionals in the financial sector. With constant development, it is expected that man and machine will be able to work together towards positive evolution.
Description
Mestrado em Gestão das Instituições Financeiras
Keywords
Inteligência artificial Blockchain Tecnologias de informação Setor financeiro Artificial intelligence Blockchain Information technologies Financial sector
Citation
Baptista, A. M. G. (2024) As novas tecnologias de informação no setor financeiro. [Dissertação de mestrado, Instituto Superior de Contabilidade e Administração de Lisboa]. Repositório Científico do Instituto Politécnico de Lisboa. http://hdl.handle.net/10400.21/17913