{"id":"https://openalex.org/W122961328","doi":null,"title":"O papel das tecnologias de informa\u00e7\u00e3o e comunica\u00e7\u00e3o na oferta de servi\u00e7os financeiros para a popula\u00e7\u00e3o de baixa renda: o caso dos correspondentes banc\u00e1rios do Banco Lemon","display_name":"O papel das tecnologias de informa\u00e7\u00e3o e comunica\u00e7\u00e3o na oferta de servi\u00e7os financeiros para a popula\u00e7\u00e3o de baixa renda: o caso dos correspondentes banc\u00e1rios do Banco Lemon","publication_year":2009,"publication_date":"2009-03-20","ids":{"openalex":"https://openalex.org/W122961328","mag":"122961328"},"language":"pt","primary_location":{"id":"pmh:oai:americanae.aecid.es:1630642","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10438/4675","pdf_url":null,"source":{"id":"https://openalex.org/S4306400786","display_name":"Americanae (AECID Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"reponame:Reposit\u00f3rio Institucional do FGV","raw_type":"info:eu-repo/semantics/masterThesis"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/10438/4675","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5011583282","display_name":"Cesar Akira Yokomizo","orcid":"https://orcid.org/0000-0001-9813-1778","observed_orcids":["https://orcid.org/0000-0001-9813-1778"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Cesar Akira Yokomizo","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5011583282"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9932000041007996,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.0031999999191612005,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.0015999999595806003,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/information-and-communication-technologies","display_name":"information and communication technologies","score":0.7910000085830688},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.652999997138977},{"id":"https://openalex.org/keywords/low-income-populations","display_name":"low-income populations","score":0.8840000033378601},{"id":"https://openalex.org/keywords/microfinance","display_name":"microfinance","score":0.9290000200271606},{"id":"https://openalex.org/keywords/financial-services-access","display_name":"financial services access","score":0.621999979019165},{"id":"https://openalex.org/keywords/technology-adoption","display_name":"technology adoption","score":0.6079999804496765},{"id":"https://openalex.org/keywords/brazil","display_name":"Brazil","score":0.31700000166893005},{"id":"https://openalex.org/keywords/constructivism","display_name":"constructivism","score":0.9480000138282776},{"id":"https://openalex.org/keywords/contextualism","display_name":"contextualism","score":0.972000002861023},{"id":"https://openalex.org/keywords/poverty-reduction","display_name":"poverty reduction","score":0.33399999141693115},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"mobile banking","score":0.41600000858306885},{"id":"https://openalex.org/keywords/online-banking","display_name":"internet banking","score":0.36899998784065247}],"concepts":[{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.5419285297393799},{"id":"https://openalex.org/C121332964","wikidata":"https://www.wikidata.org/wiki/Q413","display_name":"Physics","level":0,"score":0.403080552816391}],"mesh":[],"locations_count":3,"locations":[{"id":"pmh:oai:americanae.aecid.es:1630642","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10438/4675","pdf_url":null,"source":{"id":"https://openalex.org/S4306400786","display_name":"Americanae (AECID Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"reponame:Reposit\u00f3rio Institucional do FGV","raw_type":"info:eu-repo/semantics/masterThesis"},{"id":"pmh:oai:repositorio.fgv.br:10438/4675","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10438/4675","pdf_url":null,"source":{"id":"https://openalex.org/S4306402641","display_name":"LA Referencia (Red Federada de Repositorios Institucionales de Publicaciones Cient\u00edficas)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4383465926","host_organization_name":"LA Referencia","host_organization_lineage":["https://openalex.org/I4383465926"],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"instacron:FGV","raw_type":"info:eu-repo/semantics/masterThesis"},{"id":"mag:122961328","doi":null,"is_oa":false,"landing_page_url":"http://bibliotecadigital.fgv.br/dspace/handle/10438/4675","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":{"id":"pmh:oai:americanae.aecid.es:1630642","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10438/4675","pdf_url":null,"source":{"id":"https://openalex.org/S4306400786","display_name":"Americanae (AECID Library)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"reponame:Reposit\u00f3rio Institucional do FGV","raw_type":"info:eu-repo/semantics/masterThesis"},"sustainable_development_goals":[{"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10","score":0.4074000120162964}],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7034312165","https://openalex.org/W2290254731","https://openalex.org/W6910295459","https://openalex.org/W2736994902","https://openalex.org/W7097825684","https://openalex.org/W6989428406","https://openalex.org/W176363834","https://openalex.org/W2346441214","https://openalex.org/W2292295245","https://openalex.org/W1842338149"],"abstract_inverted_index":{"Algumas":[0],"abordagens":[1,110],"recentes":[2],"chamaram":[3],"a":[4,7,33,63,70,74,95,187,206,222,236,249,348,371],"aten\u00e7\u00e3o":[5],"para":[6,15,25,73,186,221,352],"import\u00e2ncia":[8],"das":[9,18,123,158,189,211,288],"empresas":[10],"mobilizarem":[11],"sua":[12,48],"capacidade":[13],"produtiva":[14],"solucionar":[16],"problemas":[17],"classes":[19],"menos":[20],"favorecidas":[21],"da":[22,330,341],"sociedade.":[23],"Especificamente":[24],"o":[26,87,152,180,244,302,310,314,323,326,357],"caso":[27,240],"de":[28,58,76,100,103,112,213,218,224,233,239,246,251,263,282,304,316,346],"servi\u00e7os":[29,71,164,219,355],"financeiros,":[30],"defende-se":[31],"que":[32,132,139,151,285,318,332,356],"atua\u00e7\u00e3o":[34,252],"na":[35,41,155,201,216,277,328,373],"baixa":[36,77,225,278],"renda":[37,226],"tem":[38,271],"implica\u00e7\u00f5es":[39],"positivas":[40],"sociedade":[42],"como":[43,182,204,300,347,363],"um":[44,130,161,183,237,320],"todo,":[45],"ao":[46,66,142,344],"promover":[47],"re-inclus\u00e3o":[49],"no":[50,136,227],"sistema":[51],"tradicional.":[52],"Dentro":[53,191],"desse":[54,192],"cen\u00e1rio,":[55,193],"as":[56,109,117,119],"iniciativas":[57,81],"microfinan\u00e7as":[59,113,175],"parecem":[60,83],"jogar":[61],"luz":[62],"esse":[64],"problema":[65],"tentar":[67],"levar":[68],"acesso":[69],"financeiros":[72,220],"popula\u00e7\u00e3o":[75,223],"renda.":[78,279],"Por\u00e9m,":[79],"tais":[80],"ainda":[82,198],"n\u00e3o":[84],"ter":[85],"demonstrado":[86],"seu":[88],"real":[89],"potencial,":[90],"e":[91,102,138,176,178,197,209,243,274,294,313,325,336,362,369],"prova":[92],"disso":[93],"\u00e9":[94,160,319,350],"persist\u00eancia":[96],"dos":[97,145],"cr\u00f4nicos":[98],"indicadores":[99],"pobreza":[101],"desigualdade":[104],"social.":[105],"Isso":[106],"acontece":[107],"porque":[108],"atuais":[111],"apresentam":[114],"limita\u00e7\u00f5es,":[115],"dentre":[116],"quais":[118],"tecnol\u00f3gicas":[120],"s\u00e3o":[121],"uma":[122,194,260,283],"mais":[124],"importantes.":[125],"Por":[126],"outro":[127],"lado,":[128],"existe":[129],"fen\u00f4meno":[131],"se":[133,140],"manifesta":[134],"especificamente":[135],"Brasil":[137],"refere":[141],"grande":[143],"crescimento":[144],"chamados":[146],"correspondentes":[147,214],"banc\u00e1rios":[148,215],"(CBs),":[149],"em":[150,165,241,256,268],"correspondente,":[153],"que,":[154],"maior":[156],"parte":[157],"vezes,":[159],"varejo,":[162,327],"oferta":[163,217],"nome":[166],"do":[167,253,290,292,295],"banco.":[168],"Alguns":[169],"estudos":[170],"relacionam":[171],"esses":[172],"dois":[173,307,364],"conceitos,":[174],"CBs,":[177,264],"prop\u00f5em":[179],"CB":[181],"canal":[184],"tecnol\u00f3gico":[185],"promo\u00e7\u00e3o":[188],"microfinan\u00e7as.":[190],"pergunta":[195,232],"pertinente":[196],"pouco":[199],"explorada":[200],"literatura":[202],"\u00e9:":[203],"ocorrem":[205],"ado\u00e7\u00e3o,":[207],"implementa\u00e7\u00e3o":[208],"uso":[210],"tecnologias":[212],"Brasil?":[228],"De":[229],"posse":[230],"dessa":[231],"pesquisa,":[234],"procedeu-se":[235],"estudo":[238,247],"profundidade":[242],"objeto":[245],"foi":[248,297,333],"forma":[250],"Banco":[254,311,358],"Lemon,":[255],"especial,":[257],"por":[258],"possuir":[259],"extensa":[261],"rede":[262],"ser":[265],"baseado":[266],"exclusivamente":[267],"CBs":[269],"(n\u00e3o":[270],"ag\u00eancias":[272],"f\u00edsicas)":[273],"estar":[275],"focado":[276],"A":[280],"partir":[281],"abordagem":[284],"inclui":[286],"contribui\u00e7\u00f5es":[287],"escolas":[289],"estruturacionismo,":[291],"construtuvismo":[293],"contextualismo,":[296],"poss\u00edvel":[298],"entender":[299],"ocorreu":[301],"processo":[303],"negocia\u00e7\u00e3o":[305],"entre":[306,322],"grupos":[308,365],"relevantes,":[309],"Lemon":[312,359],"gestor":[315],"redes,":[317],"intermedi\u00e1rio":[321],"banco":[324],"forma\u00e7\u00e3o":[329],"tecnologia":[331,349,372],"adotada,":[334],"implementada":[335],"usada.":[337],"Os":[338],"principais":[339],"achados":[340],"pesquisa":[342],"referem-se":[343],"entendimento":[345],"usada":[351],"prover":[353],"os":[354],"quer":[360],"ofertar":[361],"relevantes":[366],"interagem,":[367],"negociam":[368],"produzem":[370],"pr\u00e1tica.":[374]},"counts_by_year":[{"year":2012,"cited_by_count":1}],"updated_date":"2026-10-13T10:08:12.033832","created_date":"2016-06-24T00:00:00"}