A percepção do cadastro positivo sob a ótica das finanças comportamentais

Abstract

This study sought to analyze, from qualitative research, the change made in 2019 in the method of entry into the database of the Government of Brazil, the so-called Cadastro Positivo, and the perception and acceptance of citizens who make use of financial credit in different modalities. From the new regulations, the entry into the system is automatic and is at the discretion of the citizen to ask for his departure. In order to improve credit lending, this change also sought to reduce the indebtedness rates that are growing after the beginning of the Coronavirus Pandemic in 2020. In this context, the Cadastro Positivo is characterized as a Nudge, and from the perspective of behavioral finance, the changes are justified since the majority of respondents were favorable, with the hope of having more access to credit due to being well seen in the market, as well as a well-being arising from having their accounts up to account, with reservations about the unavoidable use of your personal information.