Financial Technologies (Fintechs) and Financial Behavior: Use, Investment Profile and Financial Decisions (Revista Gestão e Saberes)

Summary

• The research surveyed 105 professionals out of a target population of 233 at the Faculdade e Colégio Sagrada Família de Ponta Grossa.p.6
• Demographic results show that 63.8% of surveyed participants are female and 34.3% belong to the 35 to 44 age bracket.p.7
• Anbima (2025) benchmark data shows that 52% of the Brazilian population lacks financial reserves and 20% place funds in savings accounts.p.3
• When evaluating technology reliance, 41.9% of respondents use financial services at a medium frequency for basic daily tasks like paying bills.p.9
• Among specific financial solutions, standard Pix is used by 91.40% of participants, whereas investment brokerages are used by only 7.10%.p.11
• For investment autonomy, 41.9% of respondents seek financial professionals for mentoring or investing, while only 5.7% feel fully capable of investing without professional support.p.17

Key insights

1. Standard Pix is the most widely adopted financial technology among respondents, with a usage rate of 91.40%.p.11
2. A majority of 57.1% of participants view financial technologies as easily accessible.p.9
3. About 40% of respondents reported that their academic background did not include financial market topics.p.9
4. A total of 35.2% of surveyed individuals prefer cash/upfront payments but see advantages in installment payments in specific situations.p.13
5. Regarding debt limits, 33.3% of respondents would commit up to 30% of their income to financial contracts.p.13
6. Most participants (62.9%) believe financial market knowledge is available through specialized sites or professionals but requires foundational knowledge to locate.p.13
7. Only 7.10% of surveyed professionals use dedicated investment brokerages, confirming a predominantly conservative investor profile.p.11