Loading...
Publication
Adoção de sistemas de pagamento digitais em Portugal - um estudo com adaptação do modelo UTAUT
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 2.95 MB | Adobe PDF |
Authors
Advisor(s)
Abstract(s)
A crescente digitalização dos serviços financeiros tem impulsionado a adoção de sistemas de pagamento digitais em Portugal. Este estudo tem como objetivo geral analisar os fatores que influenciam a perceção e a adoção destes sistemas, através da adaptação do modelo teórico UTAUT ao contexto específico dos utilizadores portugueses. Embora originalmente concebido para ambientes organizacionais, o modelo UTAUT foi ajustado para compreender as dinâmicas de utilização individual, considerando as dimensões da eficiência percebida, segurança percebida, acessibilidade percebida e custos percebidos.
Com base numa abordagem quantitativa, foi aplicado um inquérito a 425 participantes, sendo os dados analisados por meio de regressão linear múltipla e modelos de equações estruturais. Entre os objetivos específicos, destacam-se a análise das influências mútuas entre as quatro dimensões teóricas, bem como o teste empírico das relações propostas. Os resultados revelam que a eficiência e a acessibilidade percebidas têm um impacto positivo e significativo na adoção dos sistemas de pagamento digitais. A segurança mostrou-se relevante, inclusive como variável mediadora. Por outro lado, os custos percebidos não exerceram o efeito negativo esperado, sugerindo uma reinterpretação do seu papel como barreira à adoção. Diferenças estatisticamente significativas entre grupos sociodemográficos, sobretudo em função do nível de escolaridade, reforçam a importância da literacia digital.
O estudo fornece contributos relevantes para a academia, reguladores e prestadores de serviços, ao oferecer um modelo validado para compreender a adoção de tecnologias financeiras, e ao propor diretrizes práticas para a conceção de soluções digitais mais eficazes e inclusivas.
The increasing digitisation of financial services has driven the adoption of digital payment systems in Portugal. This study aims to analyse the factors that influence the perception and adoption of these systems by adapting the UTAUT theoretical model to the specific context of Portuguese users. Although originally designed for organisational environments, the UTAUT model has been adjusted to understand the dynamics of individual use, considering the dimensions of perceived efficiency, perceived security, perceived accessibility and perceived costs. Based on a quantitative approach, a survey was conducted with 425 participants, and the data were analysed using multiple linear regression and structural equation models. Specific objectives included analysing the mutual influences between the four theoretical dimensions and empirically testing the proposed relationships. The results reveal that perceived efficiency and accessibility have a positive and significant impact on the adoption of digital payment systems. Security proved to be relevant, including as a mediating variable. On the other hand, perceived costs did not have the expected negative effect, suggesting a reinterpretation of their role as a barrier to adoption. Statistically significant differences between sociodemographic groups, especially in terms of educational level, reinforce the importance of digital literacy. The study provides relevant contributions to academia, regulators and service providers by offering a validated model for understanding the adoption of financial technologies and proposing practical guidelines for designing more effective and inclusive digital solutions.
The increasing digitisation of financial services has driven the adoption of digital payment systems in Portugal. This study aims to analyse the factors that influence the perception and adoption of these systems by adapting the UTAUT theoretical model to the specific context of Portuguese users. Although originally designed for organisational environments, the UTAUT model has been adjusted to understand the dynamics of individual use, considering the dimensions of perceived efficiency, perceived security, perceived accessibility and perceived costs. Based on a quantitative approach, a survey was conducted with 425 participants, and the data were analysed using multiple linear regression and structural equation models. Specific objectives included analysing the mutual influences between the four theoretical dimensions and empirically testing the proposed relationships. The results reveal that perceived efficiency and accessibility have a positive and significant impact on the adoption of digital payment systems. Security proved to be relevant, including as a mediating variable. On the other hand, perceived costs did not have the expected negative effect, suggesting a reinterpretation of their role as a barrier to adoption. Statistically significant differences between sociodemographic groups, especially in terms of educational level, reinforce the importance of digital literacy. The study provides relevant contributions to academia, regulators and service providers by offering a validated model for understanding the adoption of financial technologies and proposing practical guidelines for designing more effective and inclusive digital solutions.
Description
Keywords
Acessibilidade Custos Eficiência Fintech Segurança Sistemas de pagamento digitais UTAUT Accessibility Costs Efficiency Fintech Security