As fintechs como promotoras de inclusão financeira dos universitários da Universidade Federal do Pampa- UNIPAMPA

Abstract

The high unbanked population in Brazil has motivated competent bodies, such as the Central Bank of Brazil, to develop initiatives to reduce financial exclusion and encourage the full financial inclusion of Brazilians. Simultaneously, fintechs emerged, an innovation already consolidated in the financial market worldwide, and in Brazil, it has started to gain more space in the financial scenario after having its activities regulated in 2018. Considering the regulation and the importance of the effective financial inclusion of the Brazilian population, this study aimed to analyze how fintechs can promote the financial inclusion of undergraduate students of the Federal University of the Pampa- UNIPAMPA in the Brazilian financial system and identify the feeling of inclusion of these college students to different socioeconomic and demographic profiles. Therefore, quantitative analysis with a descriptive approach was used. We invited students to answer the survey using electronic questionnaires. Were answered a total of 241 questionnaires, reaching the calculated sample. The survey instrument was composed of 41 multiple choice questions and five-point Likert type scales (1 - I totally disagree to 5 - I totally agree). As a result, it was possible to identify that even college students who use fintechs and do not have their income can feel financially included. Thus, income is not a factor of financial exclusion for UNIPAMPA students. Therefore, we concluded that fintechs are effective instruments for the financial inclusion of college students and young people belonging to classes traditionally excluded by traditional financial institutions, such as low-income people and women.