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Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Marketing Intelligence Financial institutions serve a social role in society, which digitalization can greatly benefit such as the reduction of this sector’s environmental impact, the reinforcement of anti-fraud/anti-corruption procedures with the added transparency from certain innovations as well as the increased emphasis when placing the customer in the centre of financial institution’s business models. This study aims to understand how perceived risk, trust and financial literacy impact consumers’ financial decisions as well as how can financial institutions use innovation to stimulate feelings that may lead consumers to desirable financial choices, specifically by enabling financial institutions to better assist consumers in finding the best investment decisions accordingly to their risk profile as well as take desirable and informed financial decisions and therefore having a more active role in informing and influencing consumers’ choices. Since the disruptive appearance of Fintech Companies, the Traditional Banking Sector was somewhat forced to innovate its business model as well as the technologies used to reach its customers. In this study, it was possible to identify several connections between variables, namely age and Home-Banking use through descriptive statistics. The study included 108 participants of different ages and academic backgrounds. The results of this research allowed us to identify a relationship between younger individuals and the frequency of Home-Banking Portal’s use. Furthermore, the moderator “sustainability” revealed a relevant role, mainly to participants belonging to the age groups 18-24 years old and +50 years old. |
