Acesso a serviços financeiros em contexto de existência de bancos tradicionais e instituições moeda electrónica, na Cidade de Maputo

Abstract

Access to financial services in the context of the existence of traditional banks and electronic money institutions in the city of MaputoThis paper analyzes access to financial services in the context of the existence of traditional banks and electronic money institutions. From the analyzed literature, I understood that electronic money services were introduced as a means of expanding financial inclusion for the non-banking population and who live in rural areas where there is difficult access to financial banking services. However, this literature loses sight of everyday experiences in urban contexts where traditional banks and electronic money institutions exist. Faced with this limitation, I conducted an ethnographic survey among agents and customers of the electronic money institutions of the mobile phone operators from the neighborhood. Based on the data analyzed, I understood that with the introduction of electronic money institutions, participants, in addition to the traditional banks they already used, started to use the services of electronic money, which allows us to consider that they have started to diversify the type of financial services they use in their daily lives. These electronic money services on the one hand are an innovation since they can be used from the mobile phone, reduce the time and costs to access financial services since agents are located close to customers compared to traditional banks, the that allows us to talk about changes in the services offered. On the other hand, electronic money services continue to offer services similar to those offered by traditional banks such as withdrawals, deposits, transfers and payment of services, which allows us to talk about continuities. Based on the results of the present work, I understood that the participants combine traditional banking services with electronic money services, which allows us to consider that in the analyzed urban context the participants diversify the use of financial services, which does not necessarily imply their expansion. (TRADUÇÃO NOSSA)