Desenvolvimento de um sistema de informação para controle de finanças pessoais para alunos

Abstract

The current Brazilian economic scenario highlights a worrying picture of default rates, emphasizing early indebtedness among young adults aged 18 to 25. This vulnerability is frequently exacerbated by the absence of financial education and the lack of adequate tools to support planning and economic decision-making during the academic phase. In this context, Information Systems play a strategic role by offering technological mechanisms for the organization, control, and visualization of personal finances. University students face specific challenges, such as limited income and time scarcity, which hinder a healthy financial life. Although market solutions exist to assist with financial organization, few are adapted to the student reality or offer free access without compromising usability. The identified gap lies in the need for an accessible, intuitive, and modern tool that mitigates the cognitive load of financial planning and promotes economic health during undergraduate studies. This study aims to develop and validate an Information System for personal financial control, accessible via Web and mobile devices, targeted at students. The work seeks to analyze the technological acceptance of the tool by measuring how its functionalities and data visualization are perceived by students regarding their contribution to financial organization. The adopted methodology comprised requirements gathering and development using web technologies, including React, Next.js, and TypeScript, along with PostgreSQL and Prisma ORM for database management. For validation, an exploratory quantitative survey was conducted with 48 participants, based on the Technology Acceptance Model (TAM). The data collection instrument evaluated the dimensions of Perceived Usefulness, Perceived Ease of Use, and Intention to Use, complemented by qualitative feedback. The results demonstrated high acceptance of the interface and proposed functionalities, with a 95.7% approval rate for Ease of Use and 82.6% for Perceived Usefulness, confirming the system's effectiveness in financial organization. However, the Intention to Use revealed a scenario of uncertainty (50% of respondents), influenced by several factors. It is concluded that, although the MVP is technically robust and fulfills its educational role, long-term user retention depends on the implementation of new features and integration with Open Finance, pointing clear paths for the evolution of financial control systems aimed at the university audience.