Made available in DSpace on 2015-04-16T14:49:05Z (GMT). No. of bitstreams: 1 Arquivototal.pdf: 2269181 bytes, checksum: 676702988c655fe2734f820bfea4d737 (MD5) Previous issue date: 2013-04-29 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES / Marketing and society studies aiming to better comprehend consumer debt are of quite relevance as they effectively contribute to public policy making within regulatory agencies of credit, and also to consumer protection agencies that focus on financial consumer protection. In order to encourage research in this field, the objective of this study consisted on analyzing debt constraint factors. Accordingly, a theoretical framework was presented and a structural model of debt propensity, along with its antecedents found in the literature, specially the international one, was elaborated. Attitude towards money, attitude towards credit card, self control, compulsive buying, impulsive buying and debt propensity were the constructs analyzed in this research. As being a quantitative study, descriptive statistical analysis, psychometric analysis and multivariate analysis of structural equation modeling (SEM) were performed. The study s sample was constituted by 301 respondents, questionnaires were administered online using googledocs and its disclosure was made through e-mailing and social networks. Results show that there is a direct relation between self control and impulsive buying, and that power-prestige pursuit influence compulsive buying. The hypothesis concerning the direct influence of credit card attitude and consumer debt propensity was accepted. A need for marketing actions aiming to comprehend and help consumers to better understand credit card usage and rules was identified. / Estudos de marketing e sociedade com a finalidade de compreender melhor a questão do endividamento do consumidor mostram-se bastante relevante, na medida em que contribuem efetivamente no planejamento de ações por meio das agências reguladoras de crédito, bem como dos órgãos relativos à defesa do consumidor que visem à conservação financeira do consumidor. Com o intuito de fomentar pesquisas deste gênero, o objetivo deste trabalho consistiu analisar os fatores condicionantes do endividamento. Para tanto, foi apresentado um referencial teórico e elaborado um modelo estrutural de propensão ao endividamento do consumidor mediante alguns antecedentes dispostos na literatura, em especial, internacional. Os construtos que fizeram parte desta pesquisa foram: atitude frente ao dinheiro, atitude com cartão de crédito, autocontrole, compra compulsiva, compra impulsiva e a propensão ao endividamento. Por se tratar de uma pesquisa de cunho quantitativo, procedeu-se a análise estatística descritiva, análise psicométrica e a análise multivariada de modelagem de equações estruturais (SEM). A amostra da pesquisa foi de 301 respondentes, com aplicação na internet por meio da plataforma googledocs e divulgação através de e-mails e redes sociais. Os resultados apontaram uma relação direta entre o autocontrole e a compra por impulso, bem como igualmente a busca por poder e prestígio influência à compra compulsiva. Verificou-se a aceitação da hipótese que trata da influência direta da atitude com cartão de crédito na propensão ao endividamento do consumidor. Indica-se a necessidade das ações de marketing voltadas a compreender e auxiliar os consumidores quanto ao uso e regulamentos do cartão de crédito.

nÃo hà / A compra compulsiva à um estado de descontrole, um transtorno no controle do impulso, que tem o intuito de minimizar sentimentos negativos. O cartÃo de crÃdito pode ser uma ferramenta que impulsiona o jovem a comprar mais, e se nÃo houver controle, pode gerar dÃvidas e problemas psicolÃgicos e familiares. Neste contexto, o cartÃo de crÃdito pode ser uma ferramenta influenciadora para os jovens com perfil de compradores compulsivos.O objetivo geral deste estudo foi analisar aspectos do comportamento de compra compulsiva de universitÃrios com o uso do cartÃo de crÃdito, e de forma especÃfica procurou identificar: a pontuaÃÃo dos estudantes classificados como compradores compulsivos; os graus mÃnimos e mÃximos de compulsividade do comportamento ; e os grupos com menor e maior nÃvel de intensidade no uso do cartÃo de crÃdito. A pesquisa foi realizada nos meses de maio e junho de 2009, em 2 instituiÃÃes de ensino superior da cidade de Fortaleza. A amostragem, do tipo nÃo probabilÃstica, foi composta de 89 estudantes.Os resultados mostraram que os estudantes identificados com grau mÃximo de no uso do cartÃo de crÃdito, estÃo no mesmo grupo que mais se aproximou do perfil de comprador compulsivo. / Compulsive buying is state of disarray â a disorder of impulse control â which aims to minimize negative fellings. The credit card can be a tool that boosts can be a tool that drives the young people and if there is no control can generate debts, psychological and family problems. In this context, the credit card can be an influential tool for young people with a profile of shoppers. The general objective of this study was to analyze the behavior of compulsive buying in young people and specifically identifies: scores of this group classified as compulsive buyers; the minimum and maximum degrees of compulsivity; and the groups with maximum and minimum . the research was conducted in May â June, 2009 with university students in the city of Fortaleza. The sample, not the type probabilistic was composed of 89 students. The results suggest that in the sample, the students identified with a maximum degree of intensity in the credit card, are in the same group that was closest to the behavior of compulsive buyer.

Submitted by (ana.araujo@ufrpe.br) on 2016-07-06T18:43:41Z No. of bitstreams: 1 Joanne Medeiros Ferreira.pdf: 461109 bytes, checksum: 7e0630c612cd2bf45e62ee0e52183ac4 (MD5) / Made available in DSpace on 2016-07-06T18:43:41Z (GMT). No. of bitstreams: 1 Joanne Medeiros Ferreira.pdf: 461109 bytes, checksum: 7e0630c612cd2bf45e62ee0e52183ac4 (MD5) Previous issue date: 2007-03-30 / Through the use of statistical techniques, this paper aims to present the behavior of credit card consumers, as well as to add value to the process of strategical marketing in a financial institution. For doing so, we present methodologies based on the techniques of logistical regression and survival analysis. Such tools are capable of foreseeing the behavior of customers, and thus focus on certain strategies in order to place resources that may hinder their migration to other financial institutions. The use of survival analysis methods makes it possible to analyze which variant presents evidence of customer migration; the logistical regression technique will be used in order to compare and validate the models hereby proposed, besides showing whether there are other variants that also demonstrate the closing of credit card accounts by the customers. / Este trabalho visa, através de técnicas estatísticas, apresentar metodologicamente o comportamento dos consumidores do produto cartão de crédito e agregar valor ao processo de marketing estratégico de uma instituição financeira. Apresentam-se metodologias, baseadas em técnicas como analise de sobrevivência e regressão logísticas. Estas ferramentas são capazes de prever o comportamento de clientes e assim focar estratégias de modo a alocar recursos para impedir a migração dos mesmos para instituições concorrentes. Com a técnica de Analise de Sobrevivência clássica será possível analisar o tempo de vida da conta cartão e as variáveis que apresentam indícios de migração para concorrência e com a técnica de regressão logística será feita uma comparação afim de validação do modelo, além de mostrar se existem outras variáveis que também demonstram o encerramento do produto cartão por parte do cliente.

Submitted by Luciana Ferreira (lucgeral@gmail.com) on 2015-10-08T13:29:59Z No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Approved for entry into archive by Luciana Ferreira (lucgeral@gmail.com) on 2015-10-08T13:35:15Z (GMT) No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) / Made available in DSpace on 2015-10-08T13:35:15Z (GMT). No. of bitstreams: 3 Dissertação - Aline Martins da Silva - 2014 -(1).pdf: 19735236 bytes, checksum: 893cd8c94d2c425b68a753ea2de83b1d (MD5) Dissertação - Aline Martins da Silva - 2014 - (2).pdf: 14544224 bytes, checksum: c56fbad3f79f2792c56d4cd4eac472e7 (MD5) license_rdf: 23148 bytes, checksum: 9da0b6dfac957114c6a7714714b86306 (MD5) Previous issue date: 2014-07-25 / Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPES / Nowadays the theme of conscientious consumption and its consequences are increasingly common themes, this work was made to draw attention to the practice of financial awareness in the use of credit, especially when using credit cards. Initially sought to know the history of this instrument as payment and factors that involve mediation between this mechanism and the consumer. Subsequently, through basic knowledge of financial mathematics, sought to arouse the consumer through calculations, awareness of how the abuse of credit facilities, can negatively contribute to the organization’s financial life. The content of financial mathematics, calculations and statements addressed shown as a result, which involves present value, interest rate, future value and time affects the consumer’s pocket; it should be noted that the mathematical topics covered are public-facing basic education, to be consumers of the future. The work also brought some reflections on the practice of conscious consumption in the use of credit in order to guide everyday choices. O major purpose of this study was to serve as a tool to raise awareness in the use of credit cards through knowledge of mathematics and effectiveness healthy financial habits. / Nos dias atuais a temática do consumo consciente e as suas consequências são temas cada vez mais frequentes, este trabalho foi desenvolvido visando alertar para a prática da consciência financeira no uso do crédito, em especial ao usar os cartões de crédito. Inicialmente procurouse conhecer a história desse instrumento como forma de pagamento e os fatores que envolvem a mediação entre esse mecanismo e o consumidor. Posteriormente, através de conhecimentos básicos de matemática financeira, procurou-se despertar no consumidor por meio de cálculos, a consciência de como o abuso das facilidades de crédito, pode contribuir negativamente para organização da vida financeira. Os conteúdos de matemática financeira, cálculos e demonstrações abordados mostraram como um resultado, que envolve valor presente, taxa de juros, valor futuro e tempo, afeta o bolso do consumidor; cabe salientar que os tópicos de matemáticas abordados são voltados para o público da educação básica, que serão os consumidores do futuro. O trabalho trouxe ainda algumas reflexões sobre a prática do consumo consciente no uso do crédito a fim de orientar as escolhas diárias. O propósito maior desse estudo foi servir de instrumento para a conscientização no uso de cartões de crédito por meio do conhecimento de matemática e efetivação de hábitos financeiros saudáveis.

This Diploma thesis concern with generalized linear models and their application in bank practice. Especially to analyze retail loan repayment. First of all we see into theoretical viewpoint of generalized linear models. We shortly try to summarize problems of clasical linear model restrictions and after that we apply to theory on which generalized models are based. We introduce an overview of generalized linear models and after that we concern models, where dependent variable have multinomial and gamma distribution in detail. Main part this thesis is dedicated to data analysis about bank retail loans repayments. In this analysis we use those early mentioned models. We try to create good statistical models on which base the risk ratio of current bank clients could be predicted. The risk ratio is measured by two main indicators, which are: "overdue time" and "overdue amount". For analysis is used statistical software SAS.

Nos últimos anos, tem-se observado um aumento significativo no volume de transações financeiras realizadas pela Internet. Esse crescimento no volume financeiro, associado à fragilidade inerente à ausência de verificações básicas, possíveis somente em transações do mundo físico, tem atraído a atenção de pessoas com o objetivo de obter vantagens financeiras de forma ilícita. Devido aos prejuízos causados pelas fraudes, surgiram empresas de pagamento online com o objetivo de tornar as transações de compra e venda na Internet mais seguras. Essas empresas atuam como um intermediário das transações e assumem os riscos associados, mostrando-se ser esse um negócio de alto risco. Dado o alto volume de transações com as quais essas empresas precisam lidar, torna-se clara a necessidade de métodos computacionais para detecção de transações fraudulentas, visto que a utilização estrita de verificações manuais é inviável para lidar com tal volume de transações. Essa tarefa de análise e identificação de transações fraudulentas pode ser vista como um problema computacional de classificação, sendo então aplicáveis técnicas de classificação, aprendizado computacional e mineração de dados. Porém, dada a complexidade do problema, a aplicação de técnicas computacionais só é possível após um profundo entendimento do problema e a definição de uma modelagem eficiente associada a um processo consistente e abrangente, capaz de lidar com todas as etapas necessárias para a análise eficiente de uma transação. Face a isso, o presente trabalho propõe uma abordagem abrangente para tratar o problema da fraude nesse novo mercado de intermediação de pagamentos online utilizando como base um processo já muito bem estabelecido na indústria. Abordaremos mais especificamente uma das fases desse processo, que se refere justamente a utilização de ferramentas computacionais para a detecção das fraudes, e apresentaremos um sub-processo que envolve a utilização de várias ferramentas para o tratamento do ponto de vista computacional do problema de detecção de fraudes. Para a validação dos resultados da proposta, utilizaremos uma enorme quantidade de dados reais disponibilizados por uma grande empresa do setor de intermediação de pagamentos online que colaborou com nossa pesquisa. / In recent years, there has been a significant increase in the volume of electronic transactions in the Web. This growth in trading volume, associated with the risks caused by the absence of basic checks, possible only in transactions of the physical world, has attracted the attention of people with the intention of taking advantage to obtain illicit financial benefits. Due to the injuries caused by fraud, online payment service companies emerged, with the goal of making Web transactions safer. These companies act as an intermediary between buyers and sellers, assuming all the risks, and so it is clear that it is a high-risk business. Given the high volume of transactions with which these companies must deal, it is clear the need for computational methods for detecting fraudulent transactions, as the strict use of manual checks is infeasible to handle such a volume. The task of analysis and identification of fraudulent transactions can be seen as a classification problem, and so classification, data mining and machine learning techniques can be applied to it. However, given the complexity of the problem, the application of computational techniques is only possible after a thorough understanding of the problem and the definition of an efficient model, associated with a consistent and comprehensive process which would be able to handle all the steps needed to analyze a transaction in an efficient way. Given this scenario, this work proposes a comprehensive approach to address the problem of fraud in this new business of online payment intermediation, using as basis a process already established in the industry. We will discuss more specifically one of the phases of this process, which refers to the use of computational tools to detect frauds, and we will present a sub-process using several tools to deal with the problem from a computational point of view. To validate our results, we will use a huge amount of real data provided by an important company of the online payment industry, which cooperated with our research.

In the past few years, Artificial Intelligence (AI) has evolved into a powerful tool applied in multi-disciplinary fields to resolve sophisticated problems. As AI becomes more powerful and ubiquitous, oftentimes the AI methods also become opaque, which might lead to trust issues for the users of the AI systems as well as fail to meet the legal requirements of AI transparency. In this report, the possibility of making a credit-card fraud detection support system explainable to users is investigated through a quantitative survey. A publicly available credit card dataset was used. Deep Learning and Random Forest were the two Machine Learning (ML) methodsimplemented and applied on the credit card fraud dataset, and the performance of their results was evaluated in terms of their accuracy, recall, sufficiency, and F1 score. After that, two explainable AI (XAI) methods - SHAP (Shapley Additive Explanations) and LIME (Local Interpretable Model-Agnostic Explanations) were implemented and applied to the results obtained from these two ML methods. Finally, the XAI results were evaluated through a quantitative survey. The results from the survey revealed that the XAI explanations can slightly increase the users' impression of the system's ability to reason and LIME had a slight advantage over SHAP in terms of explainability. Further investigation of visualizing data pre-processing and the training process is suggested to offer deep explanations for users.

Lamina emergent mechanisms (LEMs) are a maturing technology that is prepared for commercial implementation into new products. LEMs are defined by three functional characteristics; they (1) are compliant, (2) are fabricated from planar materials, and (3) emerge from a flat initial state. Advantages, design challenges, and design tools are described for each of the functional characteristics. Opportunities for LEMs are discussed, namely disposable LEMs, novel arrays of LEMs, scaled LEMs, LEMs with surprising motion, shock absorbing LEMs, and deployable LEMs. Technology push product development processes were employed to select applications for LEMs. LEM technology was characterized. In a LEM workshop, eighteen industry professionals then helped identify over 200 potential applications for the technology. The applications were evaluated, and the most promising ideas that were identified for each LEM opportunity are described with graphics of possible product embodiments. Of the various product opportunities enabled by LEMs, deployable mechanisms – particularly in the credit card size – are among the most viable. The compactness and portability of credit-card-sized products create a strong motivation for their development. Expanding the capabilities of credit-card-sized mechanisms to include more sophisticated motions and a broader range of tasks may dramatically increase their market potential. A review of the current state-of-the-art in credit-card-sized mechanisms reveals two primary classes of mechanisms most commonly used in this form factor: rigid-body mechanisms and in-plane compliant mechanisms. The limitations of each and corresponding LEM advantages are described. Criteria for determining whether a product is a suitable candidate for using LEM technology to create or improve a credit-card-sized product are established. The advantages of LEMs in credit-card-sized products are illustrated through an example product: a compact lancing device that could be used as a main component for a highly portable epinephrine syringe.

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