Revolução digital bancária: a percepção dos discentes do curso de Ciências Contábeis da Universidade Federal da Paraíba

Abstract

Faced with the globalized scenario experienced by all of society, people seek financial institutions willing to meet the needs of customers in a world of rapid technological transformation. In this context, the present research had the general objective of verifying the perception of users who are students of the Accounting Sciences Course at the Federal University of Paraíba about their preference and factors that influence the choice of the bank (digital or traditional). As for the methodology, it was characterized as descriptive, quantitative and bibliographic research. In relation to the procedures adopted, a questionnaire was used as an instrument to collect data applied to students from the 6th to the 8th period of the course, and that has an active account in financial institutions exclusively in traditional (physical) or digital banks. Therefore, the sample was composed of 82 participants. Thus, we can conclude that almost all students investigated have an active bank account, with Nubank being the digital bank / fintechs with the largest number of customers, however the main traditional banks are those with the largest number of customers. However, when asked about factors that influence the choice of bank, users identified themselves better with the digital bank.