An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)

Open Banking refers to the sharing of customer bank data between financial institutions. It allows consolidating data from different bank accounts in one place, and money transfers and payments without accessing a specific bank. Its adoption aims at increasing competition and efficiency in the finan...

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Detalles Bibliográficos
Autores: Valarini, Heitor, Nakano, Davi
Tipo de recurso: artículo
Estado:Versión publicada
Fecha de publicación:2022
País:Brasil
Institución:Centro Universitário de Belo Horizonte (UNIBH)
Repositorio:Revista e-xacta
Idioma:portugués
OAI Identifier:oai:ojs.periodicos.uninove.br:article/17453
Acceso en línea:https://periodicos.uninove.br/exacta/article/view/17453
Access Level:acceso abierto
Palabra clave:Technology readiness
Technology acceptance
Open Banking
Financial technology.
Prontidão tecnológica
Adoção de tecnologia
Tecnologia bancária.
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spelling An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)Um estudo sobre uso do Open Banking entre universitários na Grande São Paulo utilizando o Modelo de Prontidão e Adoção de Tecnologia (TRAM)Technology readinessTechnology acceptanceOpen BankingFinancial technology.Prontidão tecnológicaAdoção de tecnologiaOpen BankingTecnologia bancária.Open Banking refers to the sharing of customer bank data between financial institutions. It allows consolidating data from different bank accounts in one place, and money transfers and payments without accessing a specific bank. Its adoption aims at increasing competition and efficiency in the financial market, and the Central Bank of Brazil is currently setting norms for its application. This article applies the Technology Readiness and Acceptance Model (TRAM) to assess Open Banking adoption among university students. The results indicate that Perceived Usefulness is affected by Optimism, Discomfort and Insecurity, while Perceived Ease of Use is affected only by Innovativeness. Given that the technology acceptance models are culture and national context sensitive, this study contributes to the literature, and offers an overview of the potential for Open Banking adoption among the cohort that will likely to be the major user of that technology.O compartilhamento de dados bancários de clientes entre as instituições financeiras é chamado de Open Banking.  Ele permite a consolidação das informações de diferentes contas bancárias em um único local e a realização de transferências e pagamentos sem a necessidade de acesso a um banco específico.  Sua adoção visa o aumento da competição e eficiência no mercado financeiro, e atualmente está em regulamentação pelo Banco Central do Brasil.  Este artigo utiliza o Technology Readiness and Acceptance Model (TRAM) para avaliar a intenção de uso do Open Banking entre jovens universitários. Os resultados obtidos indicam que a utilidade percebida é afetada pelo otimismo, desconforto e insegurança, enquanto a facilidade de uso percebida é afetada somente pela inovatividade.  Dado que os modelos de aceitação de tecnologia são sensíveis ao contexto cultural de cada país, este estudo contribui para a literatura, e oferece uma visão do potencial de adoção do Open Banking entre a parcela da população que será grande usuária dessa tecnologia.Universidade Nove de Julho - UNINOVE2022-06-30info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://periodicos.uninove.br/exacta/article/view/1745310.5585/exactaep.2021.17453Exacta; v. 20 n. 3 (2022): (jul./set.); 688-7051983-93081678-5428reponame:Revista e-xactainstname:Centro Universitário de Belo Horizonte (UNIBH)instacron:UNIBHporhttps://periodicos.uninove.br/exacta/article/view/17453/9021Copyright (c) 2021 Exactainfo:eu-repo/semantics/openAccessValarini, HeitorNakano, Davi2022-06-30T21:41:37Zoai:ojs.periodicos.uninove.br:article/17453Revistahttps://revistas.unibh.br/dcet/PUBhttps://revistas.unibh.br/dcet/oaiexacta@unibh.br||periodicosdeminas@gmail.com1984-31511984-3151opendoar:2022-06-30T21:41:37Revista e-xacta - Centro Universitário de Belo Horizonte (UNIBH)false
dc.title.none.fl_str_mv An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
Um estudo sobre uso do Open Banking entre universitários na Grande São Paulo utilizando o Modelo de Prontidão e Adoção de Tecnologia (TRAM)
title An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
spellingShingle An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
Valarini, Heitor
Technology readiness
Technology acceptance
Open Banking
Financial technology.
Prontidão tecnológica
Adoção de tecnologia
Open Banking
Tecnologia bancária.
title_short An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
title_full An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
title_fullStr An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
title_full_unstemmed An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
title_sort An analysis of Open Banking adoption among university students in São Paulo using the Technology Readiness and Acceptance Model (TRAM)
dc.creator.none.fl_str_mv Valarini, Heitor
Nakano, Davi
author Valarini, Heitor
author_facet Valarini, Heitor
Nakano, Davi
author_role author
author2 Nakano, Davi
author2_role author
dc.subject.por.fl_str_mv Technology readiness
Technology acceptance
Open Banking
Financial technology.
Prontidão tecnológica
Adoção de tecnologia
Open Banking
Tecnologia bancária.
topic Technology readiness
Technology acceptance
Open Banking
Financial technology.
Prontidão tecnológica
Adoção de tecnologia
Open Banking
Tecnologia bancária.
description Open Banking refers to the sharing of customer bank data between financial institutions. It allows consolidating data from different bank accounts in one place, and money transfers and payments without accessing a specific bank. Its adoption aims at increasing competition and efficiency in the financial market, and the Central Bank of Brazil is currently setting norms for its application. This article applies the Technology Readiness and Acceptance Model (TRAM) to assess Open Banking adoption among university students. The results indicate that Perceived Usefulness is affected by Optimism, Discomfort and Insecurity, while Perceived Ease of Use is affected only by Innovativeness. Given that the technology acceptance models are culture and national context sensitive, this study contributes to the literature, and offers an overview of the potential for Open Banking adoption among the cohort that will likely to be the major user of that technology.
publishDate 2022
dc.date.none.fl_str_mv 2022-06-30
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://periodicos.uninove.br/exacta/article/view/17453
10.5585/exactaep.2021.17453
url https://periodicos.uninove.br/exacta/article/view/17453
identifier_str_mv 10.5585/exactaep.2021.17453
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://periodicos.uninove.br/exacta/article/view/17453/9021
dc.rights.driver.fl_str_mv Copyright (c) 2021 Exacta
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2021 Exacta
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade Nove de Julho - UNINOVE
publisher.none.fl_str_mv Universidade Nove de Julho - UNINOVE
dc.source.none.fl_str_mv Exacta; v. 20 n. 3 (2022): (jul./set.); 688-705
1983-9308
1678-5428
reponame:Revista e-xacta
instname:Centro Universitário de Belo Horizonte (UNIBH)
instacron:UNIBH
instname_str Centro Universitário de Belo Horizonte (UNIBH)
instacron_str UNIBH
institution UNIBH
reponame_str Revista e-xacta
collection Revista e-xacta
repository.name.fl_str_mv Revista e-xacta - Centro Universitário de Belo Horizonte (UNIBH)
repository.mail.fl_str_mv exacta@unibh.br||periodicosdeminas@gmail.com
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score 14,961606

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