Adoção de tecnologias Mobile Banking pela base of Pyramid: Revisão da produção acadêmica de 2008 a 2018 e agenda / Adoption of Mobile Banking technologies by Pyramid base: Review of academic production from 2008 to 2018 and schedule

Renato Leite Goulart Cardozo, Josivania Silva Farias

Abstract


Cerca de três bilhões de pessoas, no mundo, compõem a base da pirâmide econômica ou BOP (Base of Pyramid) - a parte mais pobre. O mobile banking (m-banking) pode propiciar inclusão financeira, melhorando condições de vida da BOP, excluída das atividades financeiras formais, proliferando-se estudos sobre sua adoção. Este estudo analisou 58 artigos publicados no período 2008 a 2018 sobre adoção de m-banking pela BOP. Constatou-se que os estudos mapeiam teorias relativas às intenções de adoção, uso, difusão e impacto do m-banking; discutem operadoras de telefonia, bancos, agentes e suas relações com a BOP e a relação entre infraestrutura e adoção do m-banking e inclusão financeira. Também versam sobre legislação e relações entre desenvolvimento, inclusão financeira e a adoção de m-banking/m-payment. Por fim, propõe-se a agenda de pesquisa.


Keywords


mobile banking, base da pirâmide, BOP, adoção, uso.

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DOI: https://doi.org/10.34117/bjdv6n10-526

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