Connect Finance: Uma solução digital para o planejamento financeiro pessoal com foco em usabilidade e inclusão no contexto brasileiro

Abstract

Personal financial planning represents a significant challenge in the Brazilian context, marked by high indebtedness rates, expansion of online betting, and deficiencies in financial education. This study developed and evaluated Connect Finance, an innovative digital platform focused on usability and inclusion, designed to simplify financial management through intuitive and accessible interfaces. The research adopted a mixed-method approach, combining quantitative and qualitative analysis through a controlled experiment with 66 Administration students from UFPB, Bananeiras-PB, Campus III. Participants were randomly divided into two groups that compared the usability of Connect Finance with Clube dos Poupadores, using the System Usability Scale (SUS) as the main evaluation instrument. Statistical analysis, including tests for paired data (Wilcoxon signed-rank) with effect size measures (RBC and CLES), demonstrated significant superiority of Connect Finance in all comparisons performed (p < 0.05), with a mean score of 4.56 (equivalent to 91.2 on a 0-100 scale), classified as "excellent usability". Qualitative analysis corroborated these findings, identifying predominance of terms such as "easy", "practical" and "simple" in evaluations of the proposed tool. It is concluded that Connect Finance represents a technologically robust and socially relevant solution for promoting financial inclusion, particularly for users with low digital or financial literacy. The study contributes to the field by integrating user-centered design principles with accessibility features and methodological rigor in statistical analysis, establishing a new standard for inclusive financial tools in the Brazilian context.