Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?

This study analyzes the relationship between access to credit through digital banks and fintechs and the probability of personal debt in Brazil. A structured questionnaire was applied, obtaining 303 respondents, aged between 18 and 65, with questions related to the level of indebtedness, financial l...

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Detalles Bibliográficos
Autores: Corrêa, Barbara Priscila de Souza, Coletta, Carolina
Tipo de recurso: artículo
Estado:Versión publicada
Fecha de publicación:2024
País:Brasil
Institución:Universidade de Fortaleza (UNIFOR)
Repositorio:Revista Ciências Administrativas (Fortaleza. Online)
Idioma:portugués
OAI Identifier:oai:ojs.ojs.unifor.br:article/14924
Acceso en línea:https://ojs.unifor.br/rca/article/view/14924
Access Level:acceso abierto
Palabra clave:inclusão financeira
alfabetização financeira
atitude financeira
finanças digitais
Fintech
inclusión financiera
alfabetización financiera
actitud financiera
finanzas digitales
financial inclusion
financial literacy
financial attitude
digital finance
fintech
id BR_76d7c66be741a08fbd609a6793167cbc
oai_identifier_str oai:ojs.ojs.unifor.br:article/14924
network_acronym_str BR
network_name_str Brasil
repository_id_str
dc.title.none.fl_str_mv Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
¿El acceso al crédito en bancos digitales y Fintech aumenta la probabilidad de endeudamiento personal en Brasil?
O acesso ao crédito em bancos digitais e fintechs aumenta a probabilidade de endividamento pessoal no Brasil?
title Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
spellingShingle Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
Corrêa, Barbara Priscila de Souza
inclusão financeira
alfabetização financeira
atitude financeira
finanças digitais
Fintech
inclusión financiera
alfabetización financiera
actitud financiera
finanzas digitales
Fintech
financial inclusion
financial literacy
financial attitude
digital finance
fintech
title_short Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
title_full Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
title_fullStr Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
title_full_unstemmed Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
title_sort Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?
dc.creator.none.fl_str_mv Corrêa, Barbara Priscila de Souza
Coletta, Carolina
author Corrêa, Barbara Priscila de Souza
author_facet Corrêa, Barbara Priscila de Souza
Coletta, Carolina
author_role author
author2 Coletta, Carolina
author2_role author
dc.subject.por.fl_str_mv inclusão financeira
alfabetização financeira
atitude financeira
finanças digitais
Fintech
inclusión financiera
alfabetización financiera
actitud financiera
finanzas digitales
Fintech
financial inclusion
financial literacy
financial attitude
digital finance
fintech
topic inclusão financeira
alfabetização financeira
atitude financeira
finanças digitais
Fintech
inclusión financiera
alfabetización financiera
actitud financiera
finanzas digitales
Fintech
financial inclusion
financial literacy
financial attitude
digital finance
fintech
description This study analyzes the relationship between access to credit through digital banks and fintechs and the probability of personal debt in Brazil. A structured questionnaire was applied, obtaining 303 respondents, aged between 18 and 65, with questions related to the level of indebtedness, financial literacy, and access to credit. The data obtained were analyzed through logistic regressions. The results show that most respondents have some level of debt and that a significant part of the sample has easy access to credit through digital banks and FinTechs. Specifically, there is a positive relationship between ease of access to credit in digital financial institutions and the likelihood of indebtedness at different levels. There is also a negative relationship between the level of financial literacy and indebtedness. The article contributes to the understanding of the economic scenario in Brazil and may also have significant practical implications for public policies, regulation, financial practices, and education. The lack of previous studies on this topic demonstrates the importance of further investigating this specific interaction in the Brazilian context and highlights a gap in the academic literature and opportunities for future research. 
publishDate 2024
dc.date.none.fl_str_mv 2024-12-20
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://ojs.unifor.br/rca/article/view/14924
10.5020/2318-0722.2024.30.e14924
url https://ojs.unifor.br/rca/article/view/14924
identifier_str_mv 10.5020/2318-0722.2024.30.e14924
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://ojs.unifor.br/rca/article/view/14924/7396
dc.rights.driver.fl_str_mv Copyright (c) 2024 Revista Ciências Administrativas
http://creativecommons.org/licenses/by-nc/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2024 Revista Ciências Administrativas
http://creativecommons.org/licenses/by-nc/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Universidade de Fortaleza
publisher.none.fl_str_mv Universidade de Fortaleza
dc.source.none.fl_str_mv Journal of Administrative Sciences; Vol. 30 (2024); 1-13
Revista de Ciencias Administrativas; Vol. 30 (2024); 1-13
Revista Ciências Administrativas; v. 30 (2024); 1-13
2318-0722
reponame:Revista Ciências Administrativas (Fortaleza. Online)
instname:Universidade de Fortaleza (UNIFOR)
instacron:UNIFOR
instname_str Universidade de Fortaleza (UNIFOR)
instacron_str UNIFOR
institution UNIFOR
reponame_str Revista Ciências Administrativas (Fortaleza. Online)
collection Revista Ciências Administrativas (Fortaleza. Online)
repository.name.fl_str_mv Revista Ciências Administrativas (Fortaleza. Online) - Universidade de Fortaleza (UNIFOR)
repository.mail.fl_str_mv ||revcca@unifor.br|| sergioforte@unifor.br
_version_ 1853666061872791552
spelling Does access to credit from digital banks and fintechs increase the likelihood of personal debt in Brazil?¿El acceso al crédito en bancos digitales y Fintech aumenta la probabilidad de endeudamiento personal en Brasil?O acesso ao crédito em bancos digitais e fintechs aumenta a probabilidade de endividamento pessoal no Brasil?inclusão financeiraalfabetização financeiraatitude financeirafinanças digitaisFintechinclusión financieraalfabetización financieraactitud financierafinanzas digitalesFintechfinancial inclusionfinancial literacyfinancial attitudedigital financefintechThis study analyzes the relationship between access to credit through digital banks and fintechs and the probability of personal debt in Brazil. A structured questionnaire was applied, obtaining 303 respondents, aged between 18 and 65, with questions related to the level of indebtedness, financial literacy, and access to credit. The data obtained were analyzed through logistic regressions. The results show that most respondents have some level of debt and that a significant part of the sample has easy access to credit through digital banks and FinTechs. Specifically, there is a positive relationship between ease of access to credit in digital financial institutions and the likelihood of indebtedness at different levels. There is also a negative relationship between the level of financial literacy and indebtedness. The article contributes to the understanding of the economic scenario in Brazil and may also have significant practical implications for public policies, regulation, financial practices, and education. The lack of previous studies on this topic demonstrates the importance of further investigating this specific interaction in the Brazilian context and highlights a gap in the academic literature and opportunities for future research.  Este estudio analiza la relación entre el acceso al crédito, por medio de bancos digitales y fintechs, y la probabilidad de endeudamiento personal en Brasil. Fue aplicado un cuestionario estructurado obteniéndose 303 respondientes, con edades entre 18 y 65 años, con cuestiones relativas al nivel de endeudamiento, alfabetización financiera y acceso al crédito. Los datos obtenidos fueron analizados por medio de regresiones logísticas. Los resultados demostraron que la mayor parte de los respondientes poseen algún nivel de endeudamiento y que parte significativa de la muestra posee fácil acceso al crédito por medio de banco digitales y fintechs. Específicamente, hay una relación positiva entre la facilidad de acceso al crédito en instituciones financieras digitales y la probabilidad de endeudamiento en diferentes niveles. Se verifica, aún, relación negativa entre el nivel de alfabetización financiera y el endeudamiento. El artículo contribuye para la comprensión del escenario financiero en Brasil y puede también tener implicaciones prácticas significativas para políticas públicas, reglamentación, prácticas financieras y educación. La ausencia de estudios previos sobre este tema demuestra la importancia de investigar más profundamente esta interacción específica en el contexto brasileño y enfoca un hueco en la literatura académica y oportunidades para futuras investigaciones.Este estudo analisa a relação entre o acesso a crédito, através de bancos digitais e fintechs, e a probabilidade de endividamento pessoal no Brasil. Foi aplicado um questionário estruturado obtendo-se 303 respondentes, com idade entre 18 e 65 anos, com questões relativas ao nível de endividamento, alfabetização financeira e acesso ao crédito. Os dados obtidos foram analisados através de regressões logísticas. Os resultados demonstram que a maior parte dos respondentes possuem algum nível de endividamento e que parte significativa da amostra possui fácil acesso ao crédito através de bancos digitais e fintechs. Especificamente, há uma relação positiva entre a facilidade de acesso ao crédito em instituições financeiras digitais e a probabilidade de endividamento em diferentes níveis. Verifica-se, ainda, relação negativa entre o nível de alfabetização financeira e o endividamento. O artigo contribui para a compreensão do cenário financeiro no Brasil e pode também ter implicações práticas significativas para políticas públicas, regulamentação, práticas financeiras e educação. A ausência de estudos prévios sobre esse tema demonstra a importância de investigar mais profundamente essa interação específica no contexto brasileiro e destaca uma lacuna na literatura acadêmica e oportunidades para futuras pesquisas.Universidade de Fortaleza2024-12-20info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://ojs.unifor.br/rca/article/view/1492410.5020/2318-0722.2024.30.e14924Journal of Administrative Sciences; Vol. 30 (2024); 1-13 Revista de Ciencias Administrativas; Vol. 30 (2024); 1-13Revista Ciências Administrativas; v. 30 (2024); 1-132318-0722reponame:Revista Ciências Administrativas (Fortaleza. Online)instname:Universidade de Fortaleza (UNIFOR)instacron:UNIFORporhttps://ojs.unifor.br/rca/article/view/14924/7396Copyright (c) 2024 Revista Ciências Administrativashttp://creativecommons.org/licenses/by-nc/4.0info:eu-repo/semantics/openAccessCorrêa, Barbara Priscila de SouzaColetta, Carolina2025-02-12T18:58:04Zoai:ojs.ojs.unifor.br:article/14924Revistahttps://ojs.unifor.br/rca/PUBhttps://ojs.unifor.br/rca/oai||revcca@unifor.br|| sergioforte@unifor.br2318-07221414-0896opendoar:2025-02-12T18:58:04Revista Ciências Administrativas (Fortaleza. Online) - Universidade de Fortaleza (UNIFOR)false
score 15,301629

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