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O impacto da automação e tecnologias financeiras na gestão da tesouraria das PME
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A transformação digital tem vindo a alterar significativamente a forma como as
empresas gerem os seus processos financeiros. Esta dissertação analisa o impacto da
automação e das tecnologias financeiras na gestão da tesouraria das Pequenas e Médias
Empresas do setor industrial da região Norte de Portugal. O principal objetivo consistiu
em compreender de que modo a adoção de ferramentas digitais, nomeadamente sistemas
ERP, automação de processos e soluções de inteligência artificial, contribui para a
eficiência, fiabilidade e controlo da gestão financeira.
A investigação, de natureza quantitativa e descritiva, baseou-se na aplicação de um
questionário a Pequenas e Médias Empresas industriais, permitindo avaliar o grau de
digitalização, o nível de automação e as práticas de gestão de tesouraria. Os dados
recolhidos foram analisados através de métodos estatísticos descritivos e de correlação,
de modo a testar as hipóteses formuladas no modelo conceptual.
Os resultados evidenciam que a automação e a digitalização financeira exercem um
impacto positivo e mensurável na eficiência da tesouraria, contribuindo para a redução de
erros, a melhoria das previsões de liquidez e o reforço do controlo de fluxos de caixa. No
entanto, identificam-se também barreiras significativas, como os custos de investimento
e a falta de formação técnica, que limitam a adoção plena destas tecnologias.
Conclui-se que as tecnologias financeiras representam um fator determinante para
a competitividade e sustentabilidade das PME, sendo essencial promover a capacitação
digital e o apoio institucional para acelerar a transição tecnológica.
Digital transformation has significantly changed the way companies manage their financial processes. This dissertation analyses the impact of automation and financial technologies on treasury management in Small and Medium-Sized Enterprises in the industrial sector of Northern Portugal. The main goal was to understand how the adoption of digital tools, such as ERP systems, process automation, and artificial intelligence solutions, contributes to financial efficiency, reliability, and control. The research adopted a quantitative and descriptive approach, based on a survey applied to industrial SMEs, to assess the degree of digitalisation, level of automation, and treasury management practices. The collected data were analysed using descriptive and correlation statistics to test the hypotheses defined in the conceptual model. The results show that automation and financial digitalisation have a positive and measurable impact on treasury efficiency, helping reduce operational errors, improve liquidity forecasting, and strengthen cash-flow control. Nevertheless, significant barriers such as investment costs and lack of technical training still limit full technological adoption. It is concluded that financial technologies are a key factor for the competitiveness and sustainability of SMEs, and that promoting digital skills and institutional support is crucial to accelerate the ongoing technological transition.
Digital transformation has significantly changed the way companies manage their financial processes. This dissertation analyses the impact of automation and financial technologies on treasury management in Small and Medium-Sized Enterprises in the industrial sector of Northern Portugal. The main goal was to understand how the adoption of digital tools, such as ERP systems, process automation, and artificial intelligence solutions, contributes to financial efficiency, reliability, and control. The research adopted a quantitative and descriptive approach, based on a survey applied to industrial SMEs, to assess the degree of digitalisation, level of automation, and treasury management practices. The collected data were analysed using descriptive and correlation statistics to test the hypotheses defined in the conceptual model. The results show that automation and financial digitalisation have a positive and measurable impact on treasury efficiency, helping reduce operational errors, improve liquidity forecasting, and strengthen cash-flow control. Nevertheless, significant barriers such as investment costs and lack of technical training still limit full technological adoption. It is concluded that financial technologies are a key factor for the competitiveness and sustainability of SMEs, and that promoting digital skills and institutional support is crucial to accelerate the ongoing technological transition.
Descrição
Palavras-chave
Automação PME Tecnologias financeiras Tesouraria Automation SMEs Financial Technologies Treasury