The aim is to create worksheets that are dedicated to teaching selected topics of financial mathematics at the elementary school. The thesis is focused on financial products and is based on The Framework Educational Programs for Elementary Schools.

Submitted by Bruna Jachemet (brunajachemet@hotmail.com) on 2018-04-10T01:03:58Z No. of bitstreams: 1 TCC_Capa Azul Com ficha.pdf: 2382551 bytes, checksum: 7e4dfb147058e68cf91e4e316384c39b (MD5) / Rejected by Thais Oliveira (thais.oliveira@fgv.br), reason: Prezada Bruna, boa noite. Para que possamos aprovar sua dissertação, serão necessárias as seguintes alterações: - Títulos da tese e das páginas (agradecimentos, sumário, resumo, abstract) devem estar em letra maiúscula e NEGRITO); - Seu nome, e o da Escola, também em negrito. Por gentileza, alterar e submeter novamente. Obrigada. on 2018-04-11T22:17:44Z (GMT) / Submitted by Bruna Jachemet (brunajachemet@hotmail.com) on 2018-04-12T00:49:44Z No. of bitstreams: 1 TCC_Capa Azul Com ficha_com nova regra FGV.pdf: 2382745 bytes, checksum: 0ab0dc0e35c50a19d1a3d88c37a77775 (MD5) / Rejected by Thais Oliveira (thais.oliveira@fgv.br), reason: Bruna, boa noite! O título COMPLETO do seu trabalho "A REGULAÇÃO DOS PAGAMENTOS ELETRÔNICOS: interoperabilidade e desafios jurídicos" deve estar em letra maiúscula (A REGULAÇÃO DOS PAGAMENTOS ELETRÔNICOS: INTEROPERABILIDADE E DESAFIOS JURÍDICOS). Por gentileza, alterar e submeter novamente para que possamos aprová-lo. Obrigada! on 2018-04-12T21:10:11Z (GMT) / Submitted by Bruna Jachemet (brunajachemet@hotmail.com) on 2018-04-13T20:17:13Z No. of bitstreams: 1 TCC_Capa Azul Com ficha_com nova regra FGV_segunda alteracao.pdf: 2382796 bytes, checksum: 5acf03d8c1c891763f10a56be7aa758d (MD5) / Approved for entry into archive by Thais Oliveira (thais.oliveira@fgv.br) on 2018-04-16T19:00:51Z (GMT) No. of bitstreams: 1 TCC_Capa Azul Com ficha_com nova regra FGV_segunda alteracao.pdf: 2382796 bytes, checksum: 5acf03d8c1c891763f10a56be7aa758d (MD5) / Approved for entry into archive by Suzane Guimarães (suzane.guimaraes@fgv.br) on 2018-04-17T13:22:34Z (GMT) No. of bitstreams: 1 TCC_Capa Azul Com ficha_com nova regra FGV_segunda alteracao.pdf: 2382796 bytes, checksum: 5acf03d8c1c891763f10a56be7aa758d (MD5) / Made available in DSpace on 2018-04-17T13:22:34Z (GMT). No. of bitstreams: 1 TCC_Capa Azul Com ficha_com nova regra FGV_segunda alteracao.pdf: 2382796 bytes, checksum: 5acf03d8c1c891763f10a56be7aa758d (MD5) Previous issue date: 2018-03-16 / Os pagamentos eletrônicos são aqueles realizados por meio de redes de tecnologia, como os pagamentos por cartão de crédito. Os arranjos de pagamento foram regulados pelo Banco Central do Brasil a partir do ano de 2013. Um dos princípios trazidos pela regulação é o da interoperabilidade, que consiste, no âmbito da tecnologia, na capacidade de interconexão e interação entre dispositivos e redes. O presente estudo é fundamentado na teoria de interoperabilidade e na análise da conceituação e da aplicação da interoperabilidade no âmbito dos arranjos de pagamento. O ponto de partida do estudo é a análise histórica sobre os meios de pagamentos eletrônicos, com o objetivo de ilustrar o cenário que levou à regulação desses meios no Brasil. São examinados os diferentes tipos de arranjos de pagamento e, na sequência, a composição dos arranjos de pagamento e os papéis de cada ator os compõe. A rede de contratos que se estabelece entre esses atores é também examinada, a fim de compreender a interação e a distribuição de responsabilidades entre os componentes dos arranjos de pagamento. A partir dessa contextualização, é possível avaliar como ocorre a interoperabilidade no âmbito dos arranjos de pagamento. O conceito de interoperabilidade é abordado à luz da teoria da interoperabilidade, do conceito da regulação e de exemplos. São avaliados os diferentes tipos de interoperabilidade para ilustrar as formas como esta ocorre, seus benefícios e seus riscos, assim como possíveis impactos sobre a concorrência e a inovação. São examinadas as referências à interoperabilidade na legislação brasileira e a regulação da interoperabilidade nos pagamentos eletrônicos, bem como são mapeadas as disputas entre as diferentes intepretações sobre o conceito de interoperabilidade nos pagamentos eletrônicos. O objetivo é, ao final do trabalho, avaliar a adoção da interoperabilidade em observância à teoria da interoperabilidade e aos fundamentos da regulação, assim como perquirir os possíveis impactos da interoperabilidade na inovação e na concorrência nos meios de pagamento eletrônicos. / Electronic payments are those made through technology networks, such as credit card payments. The payment networks – so called payment arrangements – were regulated by the Brazilian Central Bank from the year 2013. One of the principles brought about by regulation is the interoperability one, which consists, in the ​​technology field, in the ability to interconnect and interact between devices and networks. This study is based on interoperability theory and the analysis of the conceptualization and application of interoperability in the context of payment arrangements. The starting point of the study is the historical analysis of the means of electronic payments with the objective of illustrate the scenario that led to the regulation of electronic payment means in Brazil. The different types of payment arrangements and, subsequently, the composition of the payment arrangements and the roles of each actor that composes them are examined. The network of contracts that is established between these actors is also examined in order to understand the interaction and distribution of responsibilities between the components of the payment arrangements. From this contextualization, it is possible to assess how interoperability occurs in the context of payment arrangements. The concept of interoperability is approached from the theory of interoperability, the concept of regulation and examples. The different types of interoperability are analyzed to illustrate how it occurs, its benefits and risks, as well as possible impacts on competition and innovation. The references to interoperability in Brazilian legislation, and the regulation of interoperability in electronic payments are analyzed, and the disputes and concept among the different interpretations on the concept of interoperability in electronic payments are mapped. At the end of the paper, the objective is to evaluate the adoption of interoperability in accordance with the theory of interoperability and the fundamentals of regulation, as well as to investigate the possible impacts of interoperability on innovation and competition in electronic payment means.

Conselho Nacional de Desenvolvimento Científico e Tecnológico / The frightening growth of the number of Brazilian credit card users has generated concerns about the level of financial responsibility of those individuals in the use of the card. This work deals with this issue by seeking to assess the causes and consequences of credit card debt from behavioral factors. For this, we carried out a survey with 1.831 citizens users of credit card in the states of Rio Grande do Sul, Minas Gerais and Maranhão. As an instrument for data collection was used a structured questionnaire consisting by 114 questions, that addressed demographic variables, cultural variables, usage characteristics of credit card and seven behavioral factors - financial literacy, compulsive shopping, materialism, behavior of using of credit card, credit card debt, financial well -being and emotions. The analysis of the main model was based in the Structural Equation Modeling. Already the evaluation of the influence of demographic variables and characteristics of the credit card about the debt were measured by parametric hypothesis tests. The main results show that the presence of high levels of financial knowledge, attitudes and positive financial behaviors and the responsible use of the card reduce the probability of an individual incurring in credit card debt. On the other hand, the presence of materialistic behavior and compulsive consumption increases the probability of debt. As consequences of the debt, it was reported the lowest level of well-being and financial satisfaction and the presence of negative emotions and feelings. The descriptive statistics showed that respondents maintain responsible behavior in time to use the credit, are neither materialistic nor compulsive shoppers, contributing to low levels of debt checked on the credit card. The results of hypothesis tests bring to light that male individuals , young people , with dependent and with children, low education level, low income, who are unaware of the value of the interest rate paid in the event of use of revolving credit and who hold a greater number of credit cards are more likely to have credit card debts. These results are of interest in the financial sector and bodies with policy-making power. The work points to the need to provide citizens with information about the proper use of credit tools and develop on them the necessary financial skills for making responsible decisions keeping in mind the negative consequences experienced as a result of the debt. / O crescimento assustador do número de brasileiros usuários de cartão de crédito tem gerado preocupações quanto ao nível de responsabilidade financeira desses indivíduos no uso do cartão. Esse trabalho lida com essa questão ao buscar avaliar as causas e consequências da dívida no cartão de crédito a partir de fatores comportamentais. Para tanto, realizou-se uma pesquisa survey com 1.831 cidadãos usuários de cartão de crédito dos estados do Rio Grande do Sul, Minas Gerais e Maranhão. Como instrumento de coleta de dados adotou-se um questionário estruturado, composto por 114 questões, as quais abordaram variáveis demográficas, variáveis culturais, características de uso do cartão de crédito e sete fatores comportamentais alfabetização financeira, compras compulsivas, materialismo, comportamento de uso do cartão de crédito, dívida no cartão de crédito, bem-estar financeiro e emoções. A análise do modelo principal foi realizada com base na Modelagem de Equações Estruturais. Já a avaliação da influência das variáveis demográficas e das características do cartão de crédito sobre a dívida foi feita a partir de testes de hipóteses paramétricos. Os principais resultados apontam que a presença de bons níveis de conhecimento financeiro, atitudes e comportamentos financeiros positivos e o uso responsável do cartão reduzem a probabilidade de o indivíduo incorrer em Dívidas. Por outro lado, a presença de comportamentos materialistas e de consumo compulsivo aumenta essa probabilidade de endividamento. Como consequências da dívida, relatou-se o menor nível de bem-estar e satisfação financeira e a presença de emoções e sentimentos negativos. A estatística descritiva demonstrou que os respondentes mantem comportamentos responsáveis na hora de usar o crédito, não são materialistas e nem compradores compulsivos, o que contribuiu para os baixos índices de endividamento verificados no cartão de crédito. Os resultados do teste de hipótese trouxeram à tona que indivíduos do gênero masculino, jovens, com dependentes e filhos, baixo grau de escolaridade, baixa renda, que desconhecem o valor da taxa de juros paga em caso de uso do crédito rotativo e que detêm um maior número de cartões de crédito são mais propensos a apresentar dívidas no cartão. Os resultados auferidos são de interesse do setor financeiro e de órgãos com poder de decisão política. Esse trabalho aponta para a necessidade de prover os cidadãos de informações sobre o uso adequado das ferramentas de crédito e de desenvolver nos mesmos as habilidades financeiras necessárias para a tomada de decisões responsáveis tendo em mente as consequências negativas vivenciadas em decorrência da dívida.

The objective of my thesis is to describe overall technological concept and organizational scheme od payment cards and outline trends and development in the near future. There has been a big effort for industry standardization (e.g. security standards). It describes also advantages and disadvantages of payment cards and means of authorization. The infomation mentioned here will be used in later part, in case studies. My 3-years working experience as a project manager at Wincor Nixdorf helped to further investigate these scenarios. This company is one of the market leaders and key players in banking and retail industry. Since the cost related issues are very importnant (especially in the time of crisis), I analysed and compared several scenarios of payment system installation in retail.

Master´s thesis is focus on problems of marketing research, especially contentment of customers. The analyse of satisfaction of customers is focus on two important segments – final customers and distributors. Subject of this work is research of satisfactory these client´s segments. Their comments have major effect on quality and structure of publishing books for customers.

This diploma work deals with using e-banking and e-catalogues problems. First part of the diploma work describes e-banking development including actual forms of e-banking. Next part deals with connection between e-catalogues and e-banking. In the last part of the diploma work there is described concept of the procedure of using e-banking and e-catalogues and the practical ways of using the procedure.

Master’s thesis analyzes in detail the security of electronic banking within the chosen banks in Czech republic. On the base of these knowledge it defines and recommendes the most secure electronic banking for Profes Project s.r.o. company. In the folowing it investigates a current electronic banking in the company and it carries out basic theoretical findings.

Diploma thesis topic is cost optimization in a business company. This title means endeavor to modify costs in order to reach better company managing. Firstly, it is necessary to gain theoretical knowledge about field of costs, then it is possible to analyze costs and design suitable solution for a company. The first chapter contains theoretical findings. Second chapter analyses costs and its task is to lay out that fields, which are problematic or hides huge savings potential. The third chapter contains designed procedures which, as a result, should lead to savings in particular fields.

The main subject of this masters thesis is to familiarize with technologies used to realization of online payment systems on internet. The document is more detailed focused on realization of internet banking, credit card payment, payment via SMS and on systems of internet wallets like PayPal and Moneybookers. There are proposed several criteria that are used to compare the payment methods, what was also a motivation for more detailed study of methods. These payment methods are compared from the user point of view, and from the perspective of integration these systems to the existing applications, which led us to work on the manual with user guides about how to integrate these payment methods to the web sites, what is also a contribution of this masters thesis.

El Expediente N° 442-2011 versa sobre el proceso de ejecución de garantía hipotecaria en donde la entidad financiera señala que su cliente incumplió obligación de pago de tarjeta de crédito, la misma que se encuentra contenida en una letra a la vista. Asimismo, señala la entidad financiera que dicha obligación estaba garantizada en el contrato de préstamo y constitución de hipoteca, la misma que garantiza el préstamo hipotecario y también las obligaciones derivadas de los préstamos dinerarios que en el futuro o eventualmente le otorgue el Banco, así como sobregiros en Cuenta Corriente, obligaciones derivadas de tarjetas de crédito, descuentos o pagarés, advance account, cartas de crédito o cartas fianza, operaciones de factoring o arrendamiento financiero entre otros. Estando ante el incumplimiento de una obligación de tarjeta de crédito, el BCP decide resolver el contrato de préstamo hipotecario y solicitar el pago total del préstamo hipotecario y de la deuda de tarjeta de crédito contenida en la letra a la vista. La controversia radica en dilucidar si la alegación de las obligaciones impagas realizadas por el BCP determina la resolución del contrato y como tal, la exigibilidad del pago de la integridad del saldo de la deuda. / Case No. 442-2011 deals with the foreclosure of a mortgage guarantee in which the financial entity states that its client defaulted on the payment obligation of a credit card, which is contained in a demand draft. Likewise, the financial entity points out that such obligation was guaranteed in the loan agreement and mortgage constitution, the same that guarantees the mortgage loan and also the obligations derived from the monetary loans that in the future or eventually the Bank may grant, as well as overdrafts in Current Account, obligations derived from credit cards, discounts or promissory notes, advance account, letters of credit or letters of guarantee, factoring or financial leasing operations, among others. Being in default of a credit card obligation, BCP decides to terminate the mortgage loan agreement and request full payment of the mortgage loan and the credit card debt contained in the demand draft. The controversy lies in elucidating whether the allegation of the unpaid obligations made by BCP determines the termination of the contract and as such, the enforceability of the payment of the full balance of the debt. / Trabajo de suficiencia profesional