Name: JULIANA RODRIGUES DE LIMA MEIRELLES
Publication date: 27/06/2024
Examining board:
Name |
Role |
|---|---|
| DANIELA LUCAS DA SILVA LEMOS | Examinador Interno |
| HENRIQUE MONTEIRO CRISTOVAO | Presidente |
| JOSÉ EDUARDO SANTAREM SEGUNDO | Examinador Externo |
Summary: In the Brazilian banking and financial scenario, transformations are occurring that are influencing the way people deal with their finances. The use of data is emerging as a crucial element of competitiveness between products, standing out as an essential factor in the current dynamics of the financial system, where society seeks to adapt to new realities. In this context, the research problem is outlined in the open databases of the Central Bank with the question of how these data can provide
insights for social benefits. Therefore, this research has the general objective of investigating variables present in the open databases of the Central Bank of Brazil, related to credit operations, in the context of Open Finance, to reveal relevant
insights, considering possibilities of socializing information for social benefit. Being a qualitative research of an applied nature, of an exploratory and descriptive nature, the research uses, mainly, information visualization with complex network analysis
techniques. As results, there is a data modeling based on a domain reference ontology; statistical visual elements on the database data; information networks resulting from mappings performed on the data. These results can be used to understand how different groups of customers interact with the credit market in this changing context. This information plays an important role in developing more inclusive public policies. By identifying specific payment behaviors or credit needs in certain regions or similar groups, authorities can target fiscal incentive policies to facilitate access to credit for historically disadvantaged communities. The results indicate the possibility of social benefits, such as financial education of the population with information that is not made available by institutions, thus ensuring the legitimate interest of the community.
