A pesquisa no International Journal of Electronic Marketing and Retailing analisa a diferença de opinião entre a Geração Y e a Geração Z na adoção de pagamentos digitais. Eles descobriram que as pessoas do grupo mais velho eram menos...
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CKDXiWhYZbYH/FTvBobryiw5dDkcowg2vOLmmUd6E6g0TzHsSjcsj1+EuMSzzCerj38AZitV0ZhBwGEMaI+l/aHHf8AP9JUVleQZft6eC7X1plKIqtq7w4DAl5vs4hxvXf9BCqrq54XYhfU/wA8CV34aRbagoOOlzQQ/wCI5WDQ5s2TNDQIOM8K9sEtGxWT5RnFMqDdl+EkboYBulcqloAN9C/v4HmLa66tfbhTJomtVLFp4dAc2P7SMLhUtekOIsbC3l2xMUkFqaK58CDI20G2V+4lfvp+/R/30vszKtaIcWz5SzRC6xEmudAaucfvwBM+tBMT9fhoPXa6eIdAWroEvFnCmPgEIQhCEIJJZAPpEPpILp6kF09WDaepBtPWgmifw0DZ8xYZeo2A4Jqtoy72mS5WLowhWxCHNXQTE255/GZmJTdebj5VxZgLdJ5GfmsB3bSZg5bUEQhUeUKG78vB1klesHQAPA1LsD0DwAxa40x5v+Q443uLyP8AYSxS/wAy/t4K25j5SzgLWGgfUHj0ZF25POHwsAyeCoMDAwMvDT+DZfZH1MV7+eNub3nKmiWAGs1Mwd5wz2RnGQ09JWWrXvwIGiP/ALwf/SfjM/GZ+Wz81n5rPxWfms/BY/tZY0WveGJp6ScWNaw5nJbJTADnc1urmu0IPCgK0n6PHfaeYPAk9urZn/YcWBkTaMHF84J+X6z877x/O/eP437xNZUita8GEaAlKuK977wf3fvHLlht258WaQqLsTMGVlpzDhgWxO+qbQ5v1+86/wBfvOr9c6v1zq/XOr9c6v1zq/XOr9c6v1wLR+uBbvVA9F6oDp86B6fMgenzMD0+eBafNAtD+AtQwsaDsIktmQrHbkIL5+sZdx3gBLgrntL7zHEY1uhM+OT3nzJBDwDgMPi/YwpYi/LMOLFF4PMNPzpCKjDDlVt7uUOKyoWzdgY7DzPA4TD5h+fKHASByrVykrdOg8CeyPTHEMxybhxGhqkrzffjmp5wQ/4KQ4fOWt6bXnu4DKmCZmJrQiN5nniFeuOyG3RaOkEHbXvPkUrKQkEOCy+DmGKvnH7feHguZBTF9PZK/WUZrkQIv9Q9oMIVAeDIH4C8PRJvvXgM2w9OsQ0tgL9SDNEeVQgtzHV7EEVjd3Xm+Faha+ovgArXMOIocSAthltgQ/nqBa0Rlr5uz3l4/U2lAuLiMWdIY1L7zGTmI7xDMwgIqU+2l6WMDvxP9ifsJ+3T90n7hP2ifvE/cJ+4T90n7pP3CP8AtIVwUbb5r9Tx14XSUBax4oSCH+HtBcU9HLxVxvwFirtGYPu/5L/6/wCRZNzzbl4rMW8uszk0Ex0UDbYE2QNt9YJs9YN2+sE/7haC+0LfxFiKVXJwR28GwwEpgSxu5XnDCzWyQrTMCItYq6znzlauxGIKqX1yMRuociEbsfHZZhlX1o+ngIt5kpY9B6eNaLjtbDV5x4V944HSECrHR8bdc7ObG+tVfXwdzT1/UOIXc4+Ed00HNiLJabWHjoAIIP4oxUoBgN+kGsETNu5dsOGU7/OVC6iF21BMaordgkJQLGjlHQL9ATUfY+Ox5TA+SPes8WJBOnQaD0PSXO3SbPhuABLi/wCa8LwDOAn0kEFiI+HPnJGssP2DQg5GVK6eB2tho8ocDBFR1R8OZto6u/BOIOAHAEEEH8RfKNN+8G1urm2OG0x3mWL2gpcNKoSN0IqzFRmARSh0lz6KFxav0II6QfHZjG6T2vMADHHJVfISXHWrHl+feaIQUQZo9JzV9IjzfKOxV1Zatqxlh4BhnB3czSKMp0zOr9UPrXaoWhA8ssUrSru8No6frKhUeeUwe2b3d8SzuqvgSCWMTTq8/BdC2yEHgAg4gCCCCD+EX4Vqy5oGOURAcMeOUaRswQjfvMBXViMsCSipobQaVIWMDR5nqlCLXB8M0iYaZvKCaenBdPSg3tT9dBubY86o+vgU8ik5Xn5EcrNWOoQ4Ii3EaDgC9aerNxZ1ywnJDyI6EdCOhFcsVyzXLHQjoRXJFcnALyRQlVcBK4BeWuK0WxW8TBfB54bSGjoJ086WdJOinSJTl/Da3Sl62rIGdL7zRtGdMovrNCLhm2WF68CLwHS2YjqtOOUzLSGZwJmurb0gFgAr4VmUGBCxAhSp2aB4PMK8A8YCpUqV8QAFRIylUFXYlejPQ5eCm3l17QwcBCH8sF/4wgcmJ3qLe8plesoqYmwihYBWkxha0lVBtUrllBCHR5Lmy/DOjt8UbIdOJtO+jwYDoQQJUqVKlSpUqVKlSpUqVKlSpUqJGPWJmtJYzPYqaN3zdfASLXY5zL5FggQhD+YX5uSLjFQOZMs6MVkGSFGXSgZxAWm2CIr3igOq2sAADQ+Ggyg4zD5wMZiIiXidjPA5gIEqVKlSpUqVKlSpUqVKlSpUqVEgi7ZvwoUoJcmDY5cAQIECBA/lnf8AwI4NozPOPJGZLYuOQhoMHCGE+SmQMXveBVi+3T4oGiPOAaH5wDT1EC09TKdPVwD26z3ahoDY4hpRllU17hSQ/wAvw0q7056U9CehPQnoT0J6E9CehPQnoT0J6E9CehPQl5EvKgpKlNvBp4PK4zmq0zAZCJG+fgT9xD/cnSes6T1nQSnMlOZLOcs/is1ju7Ji2juOPpGsavAtYaoNs4lAaXR2IhpAYwc94Rbv+BQRcaLiBUw6e6OC8vFkkDa1ow+cAJGlDf1lE9JCM45nJjGMY/wWJAYtGSJmfUmgL2Exopz3lKtWwIHiIQhCEIQ/iU/JsmxNaUS3Sa42biWM83xrjYIKvu68Biqxpm0L6kNtCfHotbV2nRH1Tucw+iekW4r0jElUCp3p3J353fWd6dydydydydydydydydydydydydydydydydyPU9Y9b1ne9Z3vWd71h1vWd71nc9Z3J3J3J3J3J3p3Z353J3uBWUlfxGlLX+Eap1puzMJSU1iq2+CcFmBvuwU04AR0iNdaKGFN4TG2QnQY0xTfaM2qYDg+ZAFoTp8RCLQyxUt3BAr7sIANiUusM1by8tk/kVKlSv8AiqbKvoTmo8LGtxXdjNCakyGWLsYl21qvEUccAsWFdxbWjgMVtVKwwecESxs+FiDnV2lzJUObGRIoW9HMjrKK+jnG2VtksZ0CZ7/9+grmx1EqatxbjxMCXAzEe+WGDwiNGA64hwVU2qtIoLerjSLYpUmjUxeT5fABFoTrNYJCjV2ZfzrKnhz05JAfaM7fOhjjhLQRbeA+f/foOa93jSHmLLujBipcNywNmoNf9JjEvIZBzHxoaMB1xFiLQvYPvHrPUarBmnNnJmOcuvioAcuWZmtundA/Kmi+5vAQGmB6htK8GL1x1GLquyWnc2i6q5dMEHeaedC83d9f++gjmbTBUWJeJdTZiayyDVxKlEGRNoWXVqmj16PUg1j22OvM6nwENGA644XBGAKVCLV6S3BrZ5JJiBp5PEnWgS9uVRYubW25sJgIayaRqQgtduZ94AQCOoxcHtbUemkpUujWnaH/AH7IzJGpnVFrLxFphaGmY+2QN5vFgRvdmB2DtXqHtLpuR1Hs+G+FxSD0MAyapGN4vCaWdInjVQn6dDHrBqYvB1mts8mV0Xqy5vdaJUeABNI1K0QvO6Y6iB5XhPn/AEPlprxaig2QQZmA3gxcwJU3YrkkdmUA7DZcske7I6D7zUQsCvgIdYGjhcarl5Sq3lFfFfrBXEMx7pYz9SPO/wCh0usuZt1jjthg4DEc5TpHPZBiEqk5Ssgjdit512nA+TtFcl2z25xMN4QpPgDNcwDpHmuUc6p5Tbd+doSYAoZddNom5YHZmCi8DF14V/T3r+hrFMqju4ZjjeXfaVYIMWxagxEgYll4Ag0dXhTBTJoypPwhv03eVHqXg+W8RSBE1H4HVxzKlGh0HC/tgw6k3OsaIETUdo5alZsS3IP6GgYTNWWd51MoNpXoQXljWiBaBiYGGoSrPA2vJmB0QVCElEBTeaJbZw+vvHUY2MejfyjtQaiU+KrS7efSG7a2Cy+nKaKxp9VwaVt0F7m8IcU6mTylaz1l5v8AQ6aMxzyjUdYtoJbZVM5OEEOILExI7I6wxFgymGJphLleJvGZTWJNXD2YKt64ai/t6mPXjl7Gfq6QHMBQGCYhOBl/6rXO9H1/o7xRPMRYmaLmTUI12gQwTEEE6WaeC18jN01TRDvEE2JgQ2jqCdoKhJri78tIpuOaj0ZfgDWdXpCHy6rmw3JRvDkFg13hof0aqQfIilVGCYmJ0JTmOIzAgN5oRwtR0yoEhtHTZU3GOCVcrCnILh9rO6MUh1CYcwNplgWrYr2Mv9HqOBxcTeDczYmK2YEqUitg0iiYZi7wo+VHbKCjeHEG5YHm4ld0EW9YQHlIPpPuLM0aeSGUByFcBUBHZJe3x0XzD7S4lhNovJFAGsFhE7fLp/SMARi8ygxLm2CDFti2gtuGscs1mjrC5qHlJs0eRqwwrPZx2G0r4L9rc2XrOzCVvq/0hcMDB3msM0gy4wJngFCvLQ83EVQTmV/N9pUNT+0ZX9X4GkNOMcDWEYVBhoA0wAUAH/B14LrOSaGWCXqf+n//2Q==)
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A pesquisa no International Journal of Electronic Marketing and Retailing analisa a diferença de opinião entre a Geração Y e a Geração Z na adoção de pagamentos digitais. Eles descobriram que as pessoas do grupo mais velho eram menos tolerantes aos riscos associados ao pagamento digital e eram mais propensas a influências socioambientais, enquanto as do grupo mais jovem estavam mais preocupadas com a facilidade de uso e a satisfação com o processo.
Irfan Fadhilah e Daniel Tumpal H. Aruan, do Departamento de Administração da Universidade da Indonésia em Depok, tiveram várias hipóteses sobre a adoção de pagamentos digitais e pesquisaram dois dados demográficos para entender melhor as diferenças de atitudes. Suas descobertas oferecem novos insights sobre o mundo dos pagamentos digitais que podem alimentar a pesquisa nessa área e, em última análise, ajudar a direcionar o desenvolvimento da tecnologia necessária.
Os pagamentos digitais tornaram-se uma alternativa popular ao dinheiro ou cartão entre muitos usuários de smartphones. Eles podem vincular sua conta bancária a um aplicativo em seu dispositivo móvel e efetuar pagamentos de bens e serviços de forma rápida e fácil em uma ampla variedade de configurações. Costuma-se supor que os mais jovens serão os primeiros a adotar quando se trata de novas tecnologias. Pode haver, é claro, diferenças sutis entre os grupos etários mais jovens.
As pessoas da Geração Y são coloquialmente chamadas de "geração do milênio" e geralmente são definidas como nascidas no período aproximado de 1981 a 1996. Eles são geralmente descendentes de Baby Boomers ou Geração X, que abrange os nascidos de 1946 a 1964 e de 1965 a 1980 A Geração Z abrange os nascidos de 1997 até o início dos anos 2010. Esse grupo costuma ser considerado os primeiros "nativos digitais", pois nasceram após o advento da rede mundial de computadores, acesso quase onipresente à Internet e fácil acesso a dispositivos móveis conectados .
As descobertas da equipe corroboram pesquisas anteriores e mostram mais uma vez que os mais jovens são mais propensos a adotar a nova tecnologia de pagamentos digitais, enquanto o grupo mais velho geralmente fica mais feliz em usar dinheiro e cartão. A equipe sugere que suas descobertas podem orientar os setores bancário e de tecnologia a comercializar seus serviços de forma mais adequada para o grupo mais velho, com base em suas atitudes e opiniões reveladas em relação aos pagamentos digitais.
Mais informações: Irfan Fadhilah et al, Compreendendo a adoção do consumidor e o uso real de instrumentos de pagamento digital: comparação entre a Geração Y e a Geração Z, International Journal of Electronic Marketing and Retailing (2022). DOI: 10.1504/IJEMR.2023.10050665