Comparação entre aplicativos de organização financeira utilizando o Modelo MALTU

Abstract

This paper presents a comparative analysis of user experience (UX) and usability in financial management applications Minhas Finanças, Mobills, and Organizze, based on the Model for Evaluation of Interaction in Social Systems from the User’s Textual Language (MALTU). The research is justified by the increasing need for personal financial organization in a context of indebtedness and the popularization of digital tools, whose complexity barriers can hinder effective use. The main objective was to identify and classify how functionalities and interaction meet the needs of different Brazilian user profiles. Methodologically, a mixed approach was adopted, divided into two phases: an exploratory survey with 156 respondents for profile mapping and application selection, followed by the application of the MALTU model. This phase involved the extraction and classification of 3,000 User Related Posts (PRUs) from the Google Play Store, with the aid of artificial intelligence (DeepSeek-R1) for data sentencing. Results indicated that the Minhas Finanças application achieved the best balance between technical stability and satisfaction. Mobills, despite its efficiency in automation, showed high levels of frustration due to synchronization failures. Organizze was praised for its minimalist aesthetics but criticized for its business model opacity. It is concluded that stability and transparency are decisive factors for user trust, and that the MALTU model proved effective in capturing subjective nuances that escape traditional technical inspections.