Serviços Bancários pela Internet: um Estudo de Caso Integrando a Visão de Competidores e Clientes

RAMOS, A. S. M. ; COSTA, F. S. P. R. . Serviços Bancários pela Internet: um estudo de caso integrando a visão de competidores e clientes. RAC. Revista de Administração Contemporânea, Rio de Janeiro - ANPAD, v. 4, n. 3, p. 133-154, 2000.

A motivação e o significado do trabalho de bancários: estudo comparativo entre dois momentos do processo de reestruturação produtiva

This master s dissertation deals with motivation and the meaning of work amongst bank employees. This is done considering a cognitive perception. Work is understood here under a social and subjective comprehension, once it deals with significance attribution. Motivation is the process that rules choice of the different possibilities of individual behavior, all of which according to the Expectation Theory. This study aims to analyze the implications of the productive restructure, since it is related to technological innovation, organizational changes and management, in motivation and work significance. Thus, the objective of the research is to verify motivational differences and the meaning of work amongst bank employees. This is done in two distinct moments of the productive restructure of bank employees in Natal-RN. The research is divided in two parts. In the first one, changes that occurred in banks between 1999 until 2005 were identified by the means of interviews with 7 bank managers. The analyzed perspective was training intensifying, quality emphasis of customer attendance, the use of automation/technology, staff stabilization, change in staff profile, work intensification, etc. In the second study the Inventory of Motivation and Work Meaning was applied. Thus, questions related to work focus, social demographic data, in 187 bank employees were dealt with. The collected data was compared to data from previous work. It was observed that productive restructure has a reflection in the meaning of work increasing self-expression, economical reward, and responsibility in work conditions. All of the item mention beforehand maintain the level of inhumanness and consummation and respond as being the characteristics of the real work environment. On the other hand, bank employees value less justice, self-expression and more the survival perspective, implying instrumental values to work. As for motivation, it is increased among bank employees. These employees have greater expectations that their work produce results since they believe in their interference in work results

Caracterização geométrica e parametrização de depósitos transacionais recentes e sua aplicação na modelagem de reservatórios petrolíferos

In this beginning of the XXI century, the Geology moves for new ways that demand a capacity to work with different information and new tools. It is within this context that the analog characterization has important in the prediction and understanding the lateral changes in the geometry and facies distribution. In the present work was developed a methodology for integration the geological and geophysical data in transitional recent deposits, the modeling of petroliferous reservoirs, the volume calculation and the uncertainties associate with this volume. For this purpose it was carried planialtimetric and geophysics (Ground Penetrating Radar) surveys in three areas of the Parnaíba River. With this information, it was possible to visualize the overlap of different estuary channels and make the delimitation of the channel geometry (width and thickness). For three-dimensional visualization and modeling were used two of the main reservoirs modeling software. These studies were performed with the collected parameters and the data of two reservoirs. The first was created with the Potiguar Basin wells data existents in the literature and corresponding to Açu IV unit. In the second case was used a real database of the Northern Sea. In the procedures of reservoirs modeling different workflows were created and generated five study cases with their volume calculation. Afterwards an analysis was realized to quantify the uncertainties in the geological modeling and their influence in the volume. This analysis was oriented to test the generating see and the analogous data use in the model construction

Estudo integrado de análogo a reservatórios petrolíferos fluviais: caracterização, parametrização e modelagem tridimensional de depósitos recentes do Rio Assu (Rio Grande do Norte/Brasil)

This work shows a integrated study of modern analog to fluvial reservoirs of Açu Formation (Unit 3). The modern analog studied has been Assu River located in the same named city, Rio Grande do Norte State, Northeast of Brazil. It has been developed a new methodology to parameterizating the fluvial geological bodies by GPR profile (by central frequency antennas of 50, 100 and 200 MHz). The main parameters obtained were width and thickness. Still in the parameterization, orthophotomaps have been used to calculate the canal sinuosity and braided parameters of Assu River. These information are integrated in a database to supply input data in 3D geological models of fluvial reservoirs. It was made an architectural characterization of the deposit by trench description, GPR profile interpretation and natural expositions study to recognize and describe the facies and its associations, external and internal geometries, boundary surfaces and archtetural elements. Finally, a three-dimensional modeling has been built using all the acquired data already in association with real well data of a reservoir which Rio Assu is considered as analogous. Facies simulations have been used simple kriging (deterministic algorithm), SIS and Boolean (object-based, both stochastics). And, for modeling porosities have used the stochastic algorithm SGS

Caracterização da geometria de depósitos sedimentares na borda sudoeste da Bacia`Potiguar

This study focuses on the potential of several techniques used to identify depositional geometries and paleogeographical investigation on the SW border of the Potiguar Basin. Three areas were selected for an integrated geological, geophysical and geochemistry study. The main used techniques were facies analysis, remote sensing,ground penetrating radar (GPR) and gamma-ray in outcrops, as well as petrographic microscope observations and the using of scanning eletronic microscopic (SEM), and Carbon and Oxygen Isotopic study in the carbonate tufa. These methodological approaches were very efficient in the facies analysis of 2D geometries. The GPR profiles carried out in Quixeré identified important geological reflectors which allowed to the identification of depositional geometries of tufa. However, GPR profiles were not able to identify geological reflectors in the Apodi and Olho d´Água da Bica outcrops. Gammaray profiles also presented good results, which justify their use in 1D and 2D geometric analysis. Carbon and Oxygen Isotopic analyses were also used to investigate paleoenvironmental setting of tufa deposits. It is important to remark the excellent resultsof GRP using in the identification of deposition al geometries of tufa and their contact relationships with the underlying rocks. Field analysis of faults indicate a vertical sigma-1 orientation which was associated to normal faults

Mapeamento digital de análogos a reservatórios petrolíferos: exemplos para depósitos fluviais da Unidade Açu-3 - Bacia Potiguar

In the current work are presented the results about the study of digital mapping of analogs referents the fluvial oil reservoirs in the Açu Formation. With the regional recognizing in the south corner of Potiguar Basin was selected a area of 150 Km square in the west of Assu city. In this area was chosen the outcrops for the digital mapping and from the data fields and remote sensors were done the depositional architectural for the fluvial deposits, which it was named coarse meandering fluvial systems. In the deposits were individualized 3 (three) fluvial cycles, which they was separated by bounding surface of fifth order. Such cycles are preferentially sandy, with fining-upward sequence finished in flood plain deposits. Inner of the sandy levels of the filling channels were characterized least cycles, normaly incomplete, constituted by braided sandy bodies and bounding surfaces of fourth order. In the mapped area was chosen a outcrop with great exposition, where it was possible to see tipical deposits of filling channel and was in this outcrop that was done the digital mapping. In this outcrop was used diverse technics and tools, which they integrated sedimentological, altimetric (GPS, Total Station), LIDAR (Light Detection and Ranging), digital photomosaic of high resolution and of the inner geometries (Ground Penetration Radar) data sets. For the integrating, interpretation and visualization of data was used software GoCAD®. The final product of the outcrop digital mapping was the photorealistic model of part of the cliff (or slope) because the observed reflectors in the radargrams were absents. A part of bar oblique accretion was modeled according to GPR gride of 200x200 meters in the alluvial Assu river probable recent analog. With the data of inner geometries was developed the three-dimentional sedimentary architectural, where it was possible characterize sand sheet deposits and many hierarchy of braided channels. At last, simulations of sedimentary geometries and architectures of the Potiguar Basin Fluvial Reservoirs were done with PetBool software, in order to understand the capacity of this program in simulations with a lot of numbers of conditioning wells. In total, 45 simulations was acquired, where the time and the channel numbers increase in relation of the conditioning wells quantity. The deformation of the meanders was detected from the change of simulated dominion dimensions. The presence of this problem was because the relationship between the simulated dominion and the width of the meander

Beachrocks do Rio Grande Do norte: correlação entre os depósitos costeiros e os de zona costa-afora com base na faciologia, petrografia e diagênese

Beachrocks são rochas sedimentares formadas pela cimentação de sedimentos praiais por carbonato de cálcio em especial, calcita e/ou aragonita em zona de estirâncio. A ocorrência dessas rochas é bastante comum em diversas partes do globo, sobretudo em regiões com latitudes inferiores a 40º. O Rio Grande do Norte possui grande quantidade de beachrocks, os quais afloram tanto em regiões costeiras quanto em zona costa-afora. Os depósitos de beachrocks de zona costeira do referido estado têm sido estudados por diversos autores, os quais abordaram os mais variados temas desde o início do século XX. Por outro lado, os depósitos de zona costa-afora apesar de terem sido estudados por poucos autores têm ganhado atenção apenas nos últimos anos. Porém, nenhum trabalho até o presente fez algum tipo de estudo comparativo de cunho geológico entre os corpos de beachrocks presentes em ambas as zonas: costeira e costa-afora. Sendo assim, a presente dissertação teve o intuito de correlacionar os corpos de beachrocks que afloram em zona costeira aos que estão atualmente dispostos em zona costa-afora, próximo a isóbata de 25 m, levando em consideração seus aspectos petrográficos, diagenéticos e sedimentológicos. Para isso, foram percorridos cerca de 260 km de litoral, correspondendo ao trecho entre os municípios de Extremoz e Tibau, em busca de afloramentos de beachrocks. Seções colunares foram confeccionadas e amostras coletadas em estações de amostragem representativas da zona costeira, ao passo que da zona costa-afora apenas seções delgadas foram analisadas. Trabalhos disponíveis na literatura sobre o tema e área em pauta também foram utilizados. A partir dos dados levantados, observou-se que os beachrocks são formados por diferentes camadas ao longo de um perfil vertical. Estas camadas são claramente identificadas em afloramento pela diferença existente na composição, textura e estruturas sedimentares peculiares a cada uma delas. Seções delgadas foram confeccionadas e analisadas a partir de amostras coletadas nas diferentes camadas de diversos afloramentos. Um afloramento foi escolhido como afloramento modelo sendo este o de São Bento do Norte por apresentar a maior espessura de rocha aflorante (1,9 m). Este tem sido muito bem estudado tanto no corrente trabalho quanto em trabalhos de outros autores. A este foram comparados todos os outros afloramentos analisados. A partir da análise micropetrográfica, foram identificadas 03 microfácies para os beachrocks do Rio Grande do Norte, sendo elas: Quartzarenítica (< 2,9% de bioclastos), Quartzarenítica Bioclástica (entre 3 e 9,9% de bioclastos) e Bio-quartzarenítica (> 10% de bioclastos). Associando essas microfácies às análises sedimentológicas realizadas foi possível propor que as microfácies Quartzarenítica e Bio-quartzarenítica foram depositadas em zona de estirâncio enquanto que a microfácies Quartzarenítica Bioclástica foi depositada em zona de face litorânea superior. A história diagenética dos beachrocks estudados é marcada por quatro principais processos: compactação mecânica, cimentação, dissolução e geração de porosidade secundária, e oxidação. Dentre esses, o processo de cimentação é o mais importante, sendo caracterizado por precipitação de cimento de calcita rica em Mg sob cinco morfologias, a saber: cutículas criptocristalinas, franjas prismáticas isópacas, calcita espática microcristalina, calcita espática equante e agregados pseudo-peloidais. Todas estas morfologias foram formadas durante o estágio de eodiagênese, nas zonas freática marinha ativa ou freática meteórica ativa, corroborando assim com a idéia de que beachrocks têm sua litificação completa a pequenas profundidades. Associando as análises microfaciológicas às diagenéticas foi possível sugerir que a sucessão vertical de camadas vista em alguns beachrocks costeiros representam registros de variações de mais alta frequência do nível do mar durante o Holoceno. A partir daí, baseando-se em informações obtidas através de curvas de variação do nível do mar relativo no Holoceno para o Rio Grande do Norte, disponíveis na literatura, e na correlação aqui realizada entre os beachrocks costeiro e aqueles de zona costa-afora, foi possível inferir que estes últimos representam uma antiga linha de costa formada a idades relativas superiores a 7.000 anos A.P

Geologia e paleontologia de depósitos fossilíferos pleistocênicos do Rio Grande do Norte

This study deals with origin, sedimentary filling and fossil content of three tanks situated at Antônio Martins, Barcelona, Rui Barbosa, and Apodi counties, Rio Grande do Norte State. In addition, fossil materials from the Câmara Cascudo Museum - UFRN - Fundação Amigos do Lajedo Soledade - FALS, and from private ownership were investigated. The following families were identified: Megatberiidae, Gomphotheriidae, Mylodontidae, Equidae, Felidae, Canidae, Hydrochoeridae, Camelidae, Cervidae, Dasypodidae, Glyptodontidae, Macraucheniidae, Toxodontidae, and an undetermined Edentata Pilosa. The megafauna analysis indicated that herbivorc families occur mainly in tanks, whereas carnivore families occur in a vast proportion in an investigated ravine. Taphonomie analyses were limited to physical features because the vast majority of fossils were previously colleted without appropriate care for this kind of study. The main fossization processes were identified during diagenetie investigation. Permineralization is the most important process and replacement is the secondary one during fossilization. The study concluded that paleoenvironmental conditions during the late Pleistocene were more humid than the current one. Tropical savana, characterized by fields and cerrados , was the dominant vegetation

Serviços Bancários pela Internet: um Estudo de Caso Integrando a Visão de Competidores e Clientes

RAMOS, A. S. M. ; COSTA, F. S. P. R. . Serviços Bancários pela Internet: um estudo de caso integrando a visão de competidores e clientes. RAC. Revista de Administração Contemporânea, Rio de Janeiro - ANPAD, v. 4, n. 3, p. 133-154, 2000.

Vigilância eletrônica no trabalho bancário: do controle consentido ao totalitarismo corporativo

This dissertation addresses the electronic surveillance theme in the banking context. The research that originated it, which was held in an organization called for the fiction name Banco Total, started from the following driving question: How do workers at a bank perceive electronic surveillance at their process of work? The research s main objective was to comprehend how workers perceive electronic surveillance at their process of work. The study adopted an interdisciplinary perspective, having Management as the original field, establishing a dialogue with others disciplines, like Philosophy and Sociology. About its methodology, it s a qualitative research that addressed its object in oral (interviews with live history elements) way. . Ten individuals were interviewed. The analytical process utilized the hermeneutical-dialectics technique.. From the analyses (hermeneutics) of the data, the following themes have emerged: (i) Acquiescence ; (ii) Monitoring; (iii) Time and Motion; (iv) Fear; (v) Interdiction; and (vi) Resistance . From the discussion (dialectic) of the results, this work presents three synthetic propositions that culminate in the following dimensions (i) control; (ii) acquiescence; (iii) corporative totalitarianism. It can be concluded that electronic surveillance is one mechanism of control emerged from the apply of technology at Total Bank; that information technology has been improving the control mechanisms of management theories; and that the imbrications between management and material technology control mechanisms at a context where there is acquiescence by workers contribute for the emergency of corporative totalitarianism components

Obtenção e caracterização de nanopartículas de argilominerais

Natural nanoclays are of great interest particularly for the production of polymer-based nanocomposites. In this work, kaolinite clays from two natural deposits in the State of the Rio Grande do Norte and Paraiba were purified with thermal treatment and chemical treatments, and characterized. Front to the gotten data, had been proposals methodologies for elimination or reduction of coarse particle texts, oxide of iron and organic substance. These methodologies had consisted of the combination of operations with thermal treatments, carried through in electric oven, and acid chemical attacks with and hydrogen peroxide. The Analyzers Thermogravimetric was used to examine the thermal stability of the nanoclays. The analysis indicated weight losses at temperatures under 110 ºC and over the temperature range of 350 to 550 ºC. Based on the thermal analysis data, the samples were submitted to a thermal treatment at 500 °C, for 8 h, to remove organic components. The X-ray diffraction patterns indicated that thermal treatment under 500 °C affect the basic structure of kaolinite. The BET surface area measurements ranged from 32 to 38 m2/g for clay samples with thermal treatment and from 36 to 53 m2/g for chemically treated samples. Thus, although the thermal treatment increased the surface area, through the removal of organic components, the effect was not significant and chemical treatment is more efficient, not affect the basic structure of kaolinite, to improve particle dispersion. SEM analysis confirms that the clay is agglomerated forming micron-size particles

Estudo térmico dos resíduos gerados da destilação atmosférica das misturas diesel/biodiesel de dendê

The growing world demand for energy supplied by fossil fuels, a major contributor to the emission of pollutants into the atmosphere and causing environmental problems, has been encouraging governments and international organizations to reflect and encourage the use of alternative renewable sources. Among these new possibilities deserves attention biodiesel, fuel cleaner and easy to reproduce. The study of new technologies involving that source is necessary. From this context, the paper aims at analyzing the thermal stability by thermogravimetric analysis, of the waste generated from atmospheric distillation of mixtures with ratios of 5, 10, 15 and 20% palm biodiesel in diesel with and without addition of BHT antioxidant. It was synthesized biodiesel through palm oil, via homogeneous catalysis in the presence of KOH, with and without the use of BHT and subsequently added to the diesel common indoor type (S1800) from a gas station BR. The diesel was already added with 5% biodiesel, and thus the proportions used for these blends were subtracted from the existing ratio in diesel fuel, resulting in the following proportions palm oil biodiesel: 0% (B5), 5% (B10), 10 % (B15) and 15% (B20). From atmospheric distillation analysis, performed in mixtures with and without BHT were collected residue generated by each sample and performed a thermal study from the thermogravimetric analysis at a heating rate of 10 °C.min-1, nitrogen atmosphere and heating to 600 ° C. According to the specifications of Resolution No. 7/2008 for biodiesel, it was found that the material was synthesized in accordance with the specifications. For mixtures, it was noted that the samples were in accordance with the ANP Resolution No. 42/2009. Given the TG / DTG curves of the samples of waste mixtures with and without BHT antioxidant was able to observe that they showed a single stage of thermal decomposition attributed to decomposition of heavy hydrocarbons and esters and other heavier constituents of the waste sample weighed. The thermal behavior of residues from atmospheric distillation of mixtures of diesel / biodiesel is very important to understand how this affects the proper functioning of the engine. A large amount of waste can generate a high content of particulate material, coke formation and carbonaceous deposits in engine valves, compromising their performance

Dos movimentos sociais às funções institucionais: a Consolidação de uma geração política em Sergipe.

This study was presented to the Post-Graduation Program in Social Sciences at UFRN as part of the requisites for obtaining the title of Master in Social Sciences. It describes the results of the research From social movements to the institutional functions: the consolidation of a generation . Its main objective is to describe the history of a political generation that emerged from the social movements, in the 80 s, in Sergipe, and that nowadays occupies the main governmental positions in the State s political scenario. As its specific objectives, the research described the emerging of social movements in the 80s in Sergipe; it found in the social movements in Sergipe, in the 80s, the beginning of the history of a new political generation, and described the consolidation of this new political generation in institutional positions as the expression of a new group of power in Sergipe s politics. Among the social movements that gained visibility in that period and that projected their leadership into the political scenario of Sergipe, this study highlights: the students movement, teacher s movement, bank clercks movement, miners movement, and rural workers movement. It utilized as methodology the research in sites, magazines, and the use of testimonies from semi-structured interviews. The main leadership of the five movements that were analyzed is, nowadays, governing the state, administering the capital s city hall, and performing legislative work at the Legislative Assembly of Sergipe, and at the Chamber of City Councilmen of Aracaju. This study described the political history of the main leadership of that generation of militants and organizers of social movements, and of left party groups in Sergipe, highlighting that their consolidation in the political scenario of the State meant the consolidation of a new group of power in Sergipe s politics.

Terceirização versus agenda do trabalho decente : estudo de caso a partir do Banco do Brasil s.a. na Paraíba

This Dissertation examines outsourcing in Bank of Brazil SA, the state of Paraiba. The central research question is to what extent this flexibility of labor relations incorporates items claimed by ´recent´ Decent Work Agenda of the International Labour Organization (OIT) or, on the contrary, the ´epidemic´ of outsourcing makes it even more challenging the world of work in the third millennium. The research hypothesis is that the Bank of Brazil has a growing subcontracting / outsourcing of labor (companies and individuals) and that not only contributes to the deterioration of working conditions, but also opposes the Work Agenda decent. Aiming to prove or disprove the hypothesis, the study includes a survey and secondary field. The literature review focuses on the trend towards casualization of labor in capitalism, and yet, in an effort to systematize data and analysis on ´outsourcing´ from the viewpoint of different actors. This theoretical framework is anchored in important classical sources and present that address the topic in the world and in Brazil. The field research was conducted with the actors related to the theme of ´outsourcing´ the Bank of Brazil - Paraiba, precisely branch managers, permanent employees of the bank, union representatives (bank workers), union bank and outsourced. The results confirm, in part, the study hypothesis, by demonstrating that there are several meanings and forms of precariousness that the contractors surveyed are submitted, highlighting the issue of salaries, the work environment, union representation and health worker. All these themes, each for himself, are contemplated by the Decent Work Agenda of the ILO and show, according to field research, rather fragile

Doenças sem doentes: Ocorrência de Distúrbios Osteomusculares Relacionados ao Trabalho DORT nos operadores de caixa de um banco

The changes incurred in the financial system with the introduction of new technologies and new forms of administration of banks has caused impact on the health of workers. These changes, which passed in the process of work, generate a combined share of the risk factors that result in numerous injuries and illnesses among banks, notably between the operators of banks tellers. The Work-Related Musculoskeletal Disordes - WRMD represent a group of occupational diseases always present among these workers. Because of its high incidence and the amount of financial resour envolved to manage the problem has been the object of constant study. This paper aims to analyze the bank teller activity; search the occurrence of WRMD in the activity, identifying the factors determining the occurrence of WRMD in the activity and determine the real number of touchs on a keyboard made by the operator and propose solutions that influence the reduction of illness in the workplace of the bank teller. Methodological tools of ergonomics are used to provide a broad knowledge of aspects of work that have been studied and influential in the generation of occupational diseases studied. It was found that activity put workers to serious risk of occupational diseases. As the main contributory factors and determinants for this illness: the requirements and control the numbers daily endorsements; evaluation system based on performance targets for productivity; management system at time of service to customers; work with stressful factors (broken box); excess of time worked; furniture of workstations with ergonomic inadequacies and policy for the prevention of occupational diseases inefficient. They have also noted cases of illness for DORT workers without fulfilling the legal requirement of the issuance of the communication of labour accident and without the removal of the employee of the workplace