Uso dos serviços das fintechs e aspectos de planejamento, controle financeiro e endividamento

Abstract

In the face of technological transformations, we have witnessed the emergence and rise of Fintechs that combine financial services with technology. Thus, this research aims to contribute to the understanding of the relationship between the use of Fintech services and aspects of financial planning, financial control, and indebtedness, adding to the social debate and raising reflections on the relevance of financial themes. The objective of this study is to understand how the services offered by these companies relate to the aforementioned aspects of planning. To achieve this goal, a descriptive research was conducted through a review of the theoretical framework and the application of a questionnaire to collect data, information, and general perceptions about the research constructs, followed by the analysis of this data through data tabulation in Excel, comparative graphs between clients/users and non-clients/users, Likert scale comparison tables, and the use of descriptive statistical concepts such as relative and absolute frequency to reach the results. The findings revealed Nubank as the leading Fintech, with client tenure ranging from 2 to 5 years among respondents, and the digital bank account service as the primary resource used by clients/users. Diversified payment methods, financial diagnostics, investments/applications, and expense management were the main tools offered to assist in financial planning and control. Additionally, earnings statements and reports on costs, expenses, and revenues are the primary instruments provided to offer financial information. It can be noted from the results that there is a lack of awareness and low usage by clients/users related to the provision of advisory/support services and a moderate use of the mentioned tools and instruments. Clients/users showed a higher tendency to make impulsive purchases/consumption needs, perceived greater efficiency in financial control, and had a more solvent financial situation. Furthermore, the research reflects an unfavorable relationship between the services offered by Fintechs in terms of financial planning but a favorable one in terms of financial control and indebtedness.