Um estudo sobre aceitação da tecnologia do Banco Digital por clientes potenciais
Technology Acceptance. Brazilian banking industry. Digital Banking
In view of the new digital technologies present in the daily life of people and incorporated in the Brazilian banking sector, the objective of this study was to study the factors that influence the use of Digital Banks by potential consumers in Brazil, selecting the Perceived ease of use, Perceived usefulness, Perceived enjoyment, Perceived Security and Privacy, Age and Income. The theoretical framework is based on the Technology Acceptance Model (TAM), which measures the intention to use, in addition to adding relevant variables present in the literature. Through a descriptive and quantitative approach, data were collected from a questionnaire in a sample of 113 potential users. Data analysis was done through descriptive statistics and multivariate linear regression. The results indicated that the Perceived usefulness, Perceived enjoyment, Perceived Security and Privacy and Income positively affect Banco Digital's intention to use and are the most significant factors for the sample studied. In addition to the academic contribution to studies on the adoption of banking technologies, the conclusions contribute from the managerial point of view so that Digital Banks can build strategies that add value to the perception of these factors by consumers