A influência dos bancos digitais, fintechs e aplicativos financeiros nas decisões financeiras dos jovens universitários do curso de Administração da UFJF-GV

Abstract

This study aimed to analyze the influence of digital banks, fintechs, and financial applications on the financial decisions, habits, and literacy levels of Business Administration students at the Universidade Federal de Juiz de Fora – Governador Valadares Campus (UFJF-GV). Methodologically, a descriptive study with a quantitative approach was conducted, and data collection was carried out through a structured questionnaire applied to a sample of 26 regularly enrolled students. Data were analyzed using descriptive statistics, enabling the mapping of the respondents' transactional use profile and budget management tools. The results evidenced a wide consolidation of digital platforms in university routines, with absolute leadership from Nubank, driven primarily by ease of use, operational agility, and exemption from administrative fees. It was found that most students monitor their monthly expenses and demonstrate a high level of technical criticality regarding the risks associated with easy credit. However, an ambivalent behavior was noted: participants recognized that the disintermediation and lack of friction in digital interfaces act as drivers for impulsive spending and potential catalysts for early over-indebtedness. In conclusion, financial technologies exert an irreversible impact on the socioeconomic routine of university students, acting as efficient tools for inclusion and practicality, but demanding the reinforcement of continuous financial education initiatives to mitigate the appeals of immediate consumption.