Prontidão para a tecnologia: análise dos fatores que motivam e inibem o uso de ferramentas de tecnologia no planejamento e controle financeiro pessoal

Abstract

Although the use of financial technology tools benefits individuals in managing personal finances, little information is known about the factors influencing the adoption of software tools, like evidences about the use of traditional spreadsheets, lack of knowledge about available applications and their use, as well as increased frustration of individuals in dealing with technology-based systems. The purpose of this study is to evaluate the factors influencing adoption towards the use of the financial technology tools in terms of predisposition to the technology, using the Technology Readiness Index (TRI) model. The study employed a descriptive and exploratory research, through a qualitative and quantitative analysis of the data obtained through an online questionnaire conducted with 366 students from Centro Universitário Álvares Penteado – FECAP, an educational institution located at city of Sao Paulo, attending the undergraduate, graduate and master’s levels. After analyzing the results obtained, the motivating factors for optimism and innovativeness presented statistically significant, suggesting that these factors are relevant in the intention to adopt technology tools for personal financial planning. The results also point that discomfort and insecurity inhibiting factors, although higher among individuals who claimed to use only non-technology-based planning tools, do not play a relevant and statistically significant role in explaining the intention to adopt financial technology. The results obtained are in line with similar studies and confirm the theoretical knowledge about motivating and inhibiting factors related to the use of financial technology and expand the understanding on this subject, allowing educational institutions to promote actions to increase optimism and innovativeness in order to stimulate the adoption of financial technology tools.