Fidelidade ao cartão de crédito em troca de milhas aéreas: um estudo empírico desta relação no mercado brasileiro

No competitivo mercado brasileiro de cartão de crédito, a presença de um programa de fidelidade pode ser uma atividade de marketing relevante para os bancos reterem os seus clientes. No entanto, em um cenário com vários programas de fidelidade similares, é necessário que os bancos encontrem formas eficazes de estimular as intenções do cliente em direção ao uso continuado do seu cartão. Estes programas são comumente requisitados por clientes que procuram trocar pontos (milhas) por passagens aéreas. As milhas aéreas são recompensas ofertadas pelo banco, porém, envolvem elevados custos e são controladas por empresas intermediárias que também buscam a fidelidade deste cliente para si. Em um mercado ainda em desenvolvimento no tema, existe a barreira dos clientes não conhecerem as dinâmicas dos programas e não entenderem o resgate (troca) como um esforço do banco para premiá-lo. Neste contexto, torna-se importante que os bancos compreendam os fatores que mais influenciam a associação de marca do cliente e a fidelidade ao seu cartão. O presente trabalho propõe identificar estes fatores através da aplicação de uma survey com uma amostra de usuários de cartão de crédito participantes de programas de fidelidade. O estudo identificou que, na visão do portador do cartão, a atratividade do programa, o conhecimento sobre programa, os custos de troca percebidos e a preferência por milhas como recompensa são fatores que o banco deve considerar se quiser obter melhores associações à sua marca no âmbito do processo de resgate de milhas. Verificou-se que a associação de marca não é um elemento necessário para se atingir a fidelidade do cliente, contudo, sugere-se que a marca possa, além de ajudar no processo de fidelização, aproximar o cliente do banco e possivelmente apresentá-lo a outros produtos, alavancando assim os resultados do banco.

Escolhas individuais e bem-estar financeiro: três ensaios utilizando microdados

Como orientar políticas públicas de modo a promover o bem-estar da população? Para responder a essa questão a comunidade acadêmica tem enfocado a necessidade de se conhecer melhor as escolhas de consumo individuais. Essa tendência encontra apoio no número, cada vez maior, de bases de microdados disponibilizadas pelos órgãos governamentais e iniciativa privada. O presente trabalho analisa as escolhas dos brasileiros com relação às decisões de financiamento e de oferta de trabalho. O estudo é dividido em três ensaios empíricos distintos. Como a contratação de crédito em mercados informais é motivada pelo déficit de educação financeira é o foco do primeiro ensaio. Considerando mais de 2.000 observações sobre tomadas de crédito, utiliza-se um modelo logit multinomial para estimar a propensão à tomada de crédito na informalidade em contraste com o crédito bancário. Os resultados indicam que a educação financeira pode ter uma relevância maior para a seleção de financiamentos informais do que a restrição de crédito. O segundo ensaio analisa o comportamento de uso de cartões de crédito dentre 1.458 jovens adultos residentes no Brasil, EUA ou França. Um modelo de equações estruturais é utilizado para incorporar relações entre as variáveis latentes. O modelo validado pelo estudo representa uma situação em que o bem-estar financeiro é afetado pela forma com que o indivíduo utiliza o cartão de crédito que, por sua vez, é afetado pelo sentimento de comparação social e pela autoconfiança financeira, essa última sendo impactada também pela educação financeira recebida dos pais. Na comparação entre grupos encontramos evidências de que a comparação social tem um efeito mais forte sobre os jovens brasileiros e que homens são mais dependentes da educação dos pais do que as mulheres. No último ensaio a população pobre brasileira é analisada em relação a um suposto efeito preguiça, que seria causado pela diminuição de oferta de trabalho das famílias que recebem o benefício financeiro do governo via o Programa Bolsa Família. Um modelo de sobrevivência foi usado para comparar a duração no emprego entre beneficiários do programa e um grupo controle, utilizando uma base de dados com mais de 3 milhões de indivíduos. A hipótese de um efeito preguiça é rejeitada. O risco de desligamento do emprego para os beneficiários do Bolsa Família é medido como sendo de 7% a 10% menor, o que é capaz de anular, por exemplo, o maior risco de saída do emprego causado pela presença de filhos pequenos na composição familiar. Uma vez que a rotatividade no emprego dificulta o recebimento de aposentadorias por tempo de contribuição, pode-se concluir que o programa de transferência de renda brasileiro terá um impacto positivo sobre o bem-estar financeiro futuro do trabalhador.

A comparative study of the credit card market dynamics in Mexico and Brazil

This research analyzes and compares the attractiveness of the Brazilian and Mexican credit card markets from a financial firm’s perspective. The market dynamics in Latin America’s two economic powerhouses are fleshed out with qualitative and quantitative data, using a strategic framework to structure the analysis. Since its adoption by both countries in 1956, credit card usage has experienced many years of double digit growth. However, penetration levels remain low compared with most developed countries. Brazil has a more developed credit card infrastructure, with more potential profit, and issuers might face fewer competitive challenges.  Alternatively, Mexico, is witnessing a more favorable economy, a friendlier business and regulatory environment, combined with fewer financial products that compete with the credit card. Therefore, this paper concludes that Brazil and Mexico both offer market opportunities for credit card companies that can navigate the different technological, demographic, macroeconomic, and regulatory shifts in each country.

Desenvolvimento de um sistema Inteligente para a análise de cartas dinamométricas no método de elevação por bombeio mecânico

The artificial lifting of oil is needed when the pressure of the reservoir is not high enough so that the fluid contained in it can reach the surface spontaneously. Thus the increase in energy supplies artificial or additional fluid integral to the well to come to the surface. The rod pump is the artificial lift method most used in the world and the dynamometer card (surface and down-hole) is the best tool for the analysis of a well equipped with such method. A computational method using Artificial Neural Networks MLP was and developed using pre-established patterns, based on its geometry, the downhole card are used for training the network and then the network provides the knowledge for classification of new cards, allows the fails diagnose in the system and operation conditions of the lifting system. These routines could be integrated to a supervisory system that collects the cards to be analyzed

A relação entre a família e a instituição de educação infantil: descrição reflexiva sobre uma experiência

The present paper is a doctorate thesis, in the area of Education, that has as a goal to describe and to reflect on the construction/systematization of a relation between family and institution of Childhood Education, in favor of sharing the care and education actions of children, in the context of creation of a County Center of Childhood Education, located in the city of Natal-RN. Our intension with this paper is to share some of the ideas and actions collectively constructed by this experience, with the intention of bringing a contribution for the thematic debates concerning Childhood Education - as modality of education, in a general way; and the relations between families and Institutions of Childhood Education, in a more specific way. The paper presented here is endorsed by the postulates of the qualitative research with characteristics of a research-action, having as main instruments of the data construction the open or half-structuralized interviews, the personal notebook of registers, the participant s index cards characterizing the children and comments. Authors as Aries (1981); Bassedas, Huguet and Solé (1999); Bhering and Blatchford (1999); Brasil (1998); Bujes (2001); Didonet (2002 - 2003); Formosinho (2007); Gómez (2000); Heywood (2004); Kramer (2005); Marchesi and Martín (2003); Marschal and Zohar (2006); Thiollent (2004); Tiriba (2006), amongst others, had theoretically based this paper. The experience described here points to the possibilities of sharing the care and education actions between family and Institution of Childhood Education, emphasizing the relevance of participative praxis in the interior of the institution, so that its job can propitiate this sharing with the families, throughout activities as meetings, lectures, workshops, participation in didactic projects, open expositions to the community, commemorative parties and valuation of the local culture, amongst other chances of dialogue and interaction between the educative institution and the families

Detecção e classificação de modos de operação do bombeio mecânico via cartas dinamométricas

The precision and the fast identification of abnormalities of bottom hole are essential to prevent damage and increase production in the oil industry. This work presents a study about a new automatic approach to the detection and the classification of operation mode in the Sucker-rod Pumping through dynamometric cards of bottom hole. The main idea is the recognition of the well production status through the image processing of the bottom s hole dynamometric card (Boundary Descriptors) and statistics and similarity mathematics tools, like Fourier Descriptor, Principal Components Analysis (PCA) and Euclidean Distance. In order to validate the proposal, the Sucker-Rod Pumping system real data are used

Superando os riscos da segurança baseada em perímetro - Uma abordagem com identificação federada através de certificados digitais A3/ICP-Brasil e SAML

The traditional perimeter-based approach for computer network security (the castle and the moat model) hinders the progress of enterprise systems and promotes, both in administrators and users, the delusion that systems are protected. To deal with the new range of threats, a new data-safety oriented paradigm, called de-perimeterisation , began to be studied in the last decade. One of the requirements for the implementation of the de-perimeterised model of security is the definition of a safe and effective mechanism for federated identity. This work seeks to fill this gap by presenting the specification, modelling and implementation of a mechanism for federated identity, based on the combination of SAML and X.509 digital certificates stored in smart-cards, following the A3 standard of ICP-Brasil (Brazilian official certificate authority and PKI)

Análise de viabilidade técnica de utilização da Fibra de bananeira com resina sintética em Compósitos

This paper aims to present the feasibility of using a composite using discarded material from the cultivation of banana tree (pseudostem), which is fibrillated together with synthetic resin replacing glass fiber to be used in structural elements that do not demand large mechanical stress such as reservoirs, troughs, domes, sewage pipes etc.. For this, there were studies about the mechanical properties of a composite made with polyester resin and fiber of banana tree (Musa sp, musac), in which the splints were removed from the pseudostem, being made fibrillation by hand, with the aid of a brush steel, followed by natural drying. After treatment for cleaning and removal of wax, the fiber was cut into pieces of approximately 60 mm to 100 mm, for, together with synthetic resin, make cards of a features fiber composite with random orientation relative to the weight of the resin. We used three different percentages of fiber (3%, 6% and 9%), in order to make a comparative study between them and what would be the one with the best performance. Were manufactured specimens of each material and then subjected to uniaxial tensile tests, three point bending, moisture absorption and thermal characteristics. The results show that, in general, the use of banana tree fiber is feasible simply by an improvement in the production process (machining of the procedure) and greater care in the manufacture of parts

Cidade e identidade: discursividades imagético-espaciais e a construção da identidade espacial do Recife, Veneza Brasileira

This treatise analyzes the identitary setting called Veneza Brasileira (Brazilian Venice) which is subscribed to the discoursive materialization related to the imagetic setting (literary and mediatic) produced about the city of Recife. The main investigation of this research is to examine the way how the identitary setting called Veneza Brasileira has been constructed in the imagetic setting practices about the city of Recife in the nineteenth and twentieth centuries. This study is subscribed to the Applied Linguistics and considers the theoretical perspectives that come from the Cultural Studies which investigation basis is focused on authors such as: Hall (2006); Bauman (1999; 2001;2005); Silva (2000); and Castells (2000) related to the discussion over identity, as well as the discussion over Urban Studies presented in Santos (1997; 1999); Ferrara (1998); and Pesavento (2001). Moreover it is also based on the theoretical basis found in Foucault (2004; 2006; 2007). Furthermore theoretical-methodological approaches rely on the French Discourse Analysis (DA) found in Orlandi (2001); Gregolin (2007); and Courtine (2006). On being so, this treatise aims to: analyze the meaning effects over the production of the identitary setting, especially the so-called Veneza Brasileira, in the imagetic setting discoursive practices (Poems, Post Cards and Touristic Guides) which are produced over the urban setting of the city of Recife. This research is characterized by being qualitative and interpretative and the theoretical analytical approaches contributed to the reading of both poetic and iconic images presented in the excerpts of poems from the nineteenth century and early twentieth century in: Manuel Bandeira s poems, Carlos Pena Filho s poems, and João Cabral de Melo Neto s poems which were produced in the early and late twentieth century. Moreover, this study observed some photographic images in Post Cards and Touristic Guides related to the visiting of historical sites in Recife. One could conclude that the imagetic setting discourse about Recife produced different identitary effects over the so-called Veneza Brasileira along these three centuries: in the nineteenth century, the poetry constructed the utopia city along with the meaning effect of identitary unit; as for the twentieth century, one observed an oscillation between a utopia/heteroutopia city meaning effect of both united and fragmented identity, the latter one is prevalent. As for the twenty-first century, the media reconstructed over again the utopia city, and consequently, produced meaning effect of identitary unit. These same meaning effects of identity either corroborate or contradict to/with the concepts of the postmodernism over identity along these three centuries. In other words, considering the imagetic setting, this oscillation occurs in the proportion of one finds an (ex) inclusion of social agents that construct these same identities.

Desenvolvimento formal de aplicações para smartcards

Smart card applications represent a growing market. Usually this kind of application manipulate and store critical information that requires some level of security, such as financial or confidential information. The quality and trustworthiness of smart card software can be improved through a rigorous development process that embraces formal techniques of software engineering. In this work we propose the BSmart method, a specialization of the B formal method dedicated to the development of smart card Java Card applications. The method describes how a Java Card application can be generated from a B refinement process of its formal abstract specification. The development is supported by a set of tools, which automates the generation of some required refinements and the translation to Java Card client (host) and server (applet) applications. With respect to verification, the method development process was formalized and verified in the B method, using the Atelier B tool [Cle12a]. We emphasize that the Java Card application is translated from the last stage of refinement, named implementation. This translation process was specified in ASF+SDF [BKV08], describing the grammar of both languages (SDF) and the code transformations through rewrite rules (ASF). This specification was an important support during the translator development and contributes to the tool documentation. We also emphasize the KitSmart library [Dut06, San12], an essential component of BSmart, containing models of all 93 classes/interfaces of Java Card API 2:2:2, of Java/Java Card data types and machines that can be useful for the specifier, but are not part of the standard Java Card library. In other to validate the method, its tool support and the KitSmart, we developed an electronic passport application following the BSmart method. We believe that the results reached in this work contribute to Java Card development, allowing the generation of complete (client and server components), and less subject to errors, Java Card applications.

JCML - Java Card Modeling Language: Definição e Implementação

Formal methods should be used to specify and verify on-card software in Java Card applications. Furthermore, Java Card programming style requires runtime verification of all input conditions for all on-card methods, where the main goal is to preserve the data in the card. Design by contract, and in particular, the JML language, are an option for this kind of development and verification, as runtime verification is part of the Design by contract method implemented by JML. However, JML and its currently available tools for runtime verification were not designed with Java Card limitations in mind and are not Java Card compliant. In this thesis, we analyze how much of this situation is really intrinsic of Java Card limitations and how much is just a matter of a complete re-design of JML and its tools. We propose the requirements for a new language which is Java Card compliant and indicate the lines on which a compiler for this language should be built. JCML strips from JML non-Java Card aspects such as concurrency and unsupported types. This would not be enough, however, without a great effort in optimization of the verification code generated by its compiler, as this verification code must run on the card. The JCML compiler, although being much more restricted than the one for JML, is able to generate Java Card compliant verification code for some lightweight specifications. As conclusion, we present a Java Card compliant variant of JML, JCML (Java Card Modeling Language), with a preliminary version of its compiler

BSmart: desenvolvimento rigoroso de aplicações Java Card com base no método formal B

Java Card technology allows the development and execution of small applications embedded in smart cards. A Java Card application is composed of an external card client and of an application in the card that implements the services available to the client by means of an Application Programming Interface (API). Usually, these applications manipulate and store important information, such as cash and confidential data of their owners. Thus, it is necessary to adopt rigor on developing a smart card application to improve its quality and trustworthiness. The use of formal methods on the development of these applications is a way to reach these quality requirements. The B method is one of the many formal methods for system specification. The development in B starts with the functional specification of the system, continues with the application of some optional refinements to the specification and, from the last level of refinement, it is possible to generate code for some programming language. The B formalism has a good tool support and its application to Java Card is adequate since the specification and development of APIs is one of the major applications of B. The BSmart method proposed here aims to promote the rigorous development of Java Card applications up to the generation of its code, based on the refinement of its formal specification described in the B notation. This development is supported by the BSmart tool, that is composed of some programs that automate each stage of the method; and by a library of B modules and Java Card classes that model primitive types, essential Java Card API classes and reusable data structures

KitSmart: Uma biblioteca de componentes para o desenvolvimento rigoroso de aplicações Java Card com o método B

The development of smart card applications requires a high level of reliability. Formal methods provide means for this reliability to be achieved. The BSmart method and tool contribute to the development of smart card applications with the support of the B method, generating Java Card code from B specifications. For the development with BSmart to be effectively rigorous without overloading the user it is important to have a library of reusable components built in B. The goal of KitSmart is to provide this support. A first research about the composition of this library was a graduation work from Universidade Federal do Rio Grande do Norte, made by Thiago Dutra in 2006. This first version of the kit resulted in a specification of Java Card primitive types byte, short and boolean in B and the creation of reusable components for application development. This work provides an improvement of KitSmart with the addition of API Java Card specification made in B and a guide for the creation of new components. The API Java Card in B, besides being available to be used for development of applications, is also useful as a documentation of each API class. The reusable components correspond to modules to manipulate specific structures, such as date and time. These structures are not available for B or Java Card. These components for Java Card are generated from specifications formally verified in B. The guide contains quick reference on how to specify some structures and how some situations were adapted from object-orientation to the B Method. This work was evaluated through a case study made through the BSmart tool, that makes use of the KitSmart library. In this case study, it is possible to see the contribution of the components in a B specification. This kit should be useful for B method users and Java Card application developers

Contribuições para verificação automática de applets javacard

The widespread growth in the use of smart cards (by banks, transport services, and cell phones, etc) has brought an important fact that must be addressed: the need of tools that can be used to verify such cards, so to guarantee the correctness of their software. As the vast majority of cards that are being developed nowadays use the JavaCard technology as they software layer, the use of the Java Modeling Language (JML) to specify their programs appear as a natural solution. JML is a formal language tailored to Java. It has been inspired by methodologies from Larch and Eiffel, and has been widely adopted as the de facto language when dealing with specification of any Java related program. Various tools that make use of JML have already been developed, covering a wide range of functionalities, such as run time and static checking. But the tools existent so far for static checking are not fully automated, and, those that are, do not offer an adequate level of soundness and completeness. Our objective is to contribute to a series of techniques, that can be used to accomplish a fully automated and confident verification of JavaCard applets. In this work we present the first steps to this. With the use of a software platform comprised by Krakatoa, Why and haRVey, we developed a set of techniques to reduce the size of the theory necessary to verify the specifications. Such techniques have yielded very good results, with gains of almost 100% in all tested cases, and has proved as a valuable technique to be used, not only in this, but in most real world problems related to automatic verification