Submitted by Mariana Dornelles Vargas (marianadv) on 2015-05-07T17:43:24Z No. of bitstreams: 1 Diógenes Bonfanti dos Santos.pdf: 1146572 bytes, checksum: e43f11e0a84818317b80281577aaa1a0 (MD5) / Made available in DSpace on 2015-05-07T17:43:24Z (GMT). No. of bitstreams: 1 Diógenes Bonfanti dos Santos.pdf: 1146572 bytes, checksum: e43f11e0a84818317b80281577aaa1a0 (MD5) Previous issue date: 2010-08-31 / Nenhuma / Este estudo foi realizado com objetivo de analisar o caso de adoção de serviços bancários móveis (mobile banking ou m-banking) e o perfil dos clientes que utilizam esse serviço em um banco no contexto brasileiro, o Banco do Estado do Rio Grande do Sul (Banrisul). A pesquisa foi realizada por meio de um estudo de caso único no Banrisul, no qual foram realizadas entrevistas e análise de dados secundários. Foram pesquisadas as características de 628 usuários de mobile banking do banco pesquisado, contemplando-se 7046 acessos a esse serviço. A pesquisa utilizou como principal referencial teórico a Teoria de Difusão da Inovação (TDI) de Rogers (2003). Por meio da análise de dados foi possível identificar hábitos e características relacionadas ao comportamento dos usuários dos serviços de m-banking. O perfil do usuário de m-banking Banrisul encontrado foi: em geral é do gênero masculino, solteiro, possui curso superior, idade média de 33 anos (idades entre 26 a 35 anos), com renda mensal entre R$ 2.000,00 a R$ 3.000,00 Reais. Os principais serviços utilizados são: extrato de conta corrente (65,2%), saldo de conta corrente (30,4%) e transferências entre contas (2,6%), totalizando 98,2% dos serviços utilizados no período estudado. O conhecimento desses dados é importante, pois os usuários analisados podem ser considerados como os usuários inovadores ou adotantes iniciais de acordo com a TDI. O conhecimento de seu perfil e hábitos de acesso é útil para planejar ações futuras relacionadas à difusão do mobile banking na instituição pesquisada. O conhecimento do caso também é útil a outras instituições e pesquisadores interessados em práticas de mobile banking. / This study was conducted to analyze the case of adoption of mobile banking (mobile banking or m-banking) and the profile of customers who use this service on a bench in the Brazilian context, the Banco do Estado do Rio Grande do Sul (Banrisul). The survey was conducted through a single case study in Banrisul, in which there were interviews and secondary data analysis. We investigated the characteristics of 628 users of mobile banking bank researched, covering 7046 to access this service. The survey used as the main theoretical Theory of Diffusion of Innovation (TDI) of Rogers (2003). Through data analysis it was possible to identify the habits and characteristics related to the behavior of users of m-banking services. The user profile of m-banking Banrisul was found: in general is male, single, have college degrees, average age 33 years (ranging from 26 to 35 years), with monthly income between R $ 2,000.00 R $ 3,000.00 reais. The main services used are: current account statement (65.2%), current account balance (30.4%) and transfers between accounts (2.6%), totaling 98.2% of services used during the study period. Knowledge of these data is important, because users were analyzed can be considered as innovative users or early adopters according to TDI. Knowing your profile and habits of access is useful for planning future actions related to the diffusion of mobile banking in this institution. The knowledge of the case is also useful to other institutions and researchers interested in mobile banking practices.

The thesis is focused on consumer behavior in relation to electric vehicles. In the beginning, the issue of alternatively fuelled vehicle is briefly introduced, including the explanation how this product is supported by the European Union. The next part is devoted to the theoretical background applied in the work. After the theoretical part, there is the literature review followed by both, the qualitative and the quantitative investigation. The results obtained were compared with the results stemming from international research projects. In accordance with the Theory of Diffusion of Innovations, the participants of qualitative survey were labelled as innovators or early adopters, for whom technical knowledge is more important. But on the other hand, for later adopters, the interpersonal relationship is more important, as they can compensate the lack of technical knowledge this way. As follows from the results of qualitative survey, decision-making connected with the acquisition of electric vehicles is influenced by the overall awareness (or knowledge, experience), then by technical characteristics of the purchase together with economic factors and by the perceived expectations of other people. Most of participants have some knowledge about electric vehicles. They often mention barriers preventing...