A hierarquia de preferência do consumidor em decisões de investimento financeiro

A literatura acadêmica sobre o comportamento do investidor financeiro é bastante escassa. A pesquisa sobre o processo de decisão, em geral, aborda tradeoffs na aquisição de produtos e pouco se discute o processo de decisão de investimento. Esta tese pretende contribuir para a redução deste gap ao discutir fatores determinantes para a tomada de decisão do investidor pessoal em produtos financeiros. A decisão de investimento é complexa, envolve, entre outros, o tradeoff entre renunciar o consumo presente pela possibilidade de maior bem estar no futuro. Adicionalmente, em muitas situações, existe possibilidade real de perda dos recursos financeiros investidos. Para investigar os percursos desta decisão foram realizadas entrevistas em profundidade com executivos ligados ao setor de fundos de investimento e ao de distribuição de produtos de investimento dos maiores bancos brasileiros atuantes no segmento de varejo. Os conhecimentos recolhidos e a revisão de literatura efetuada subsidiaram a elaboração do questionário de pesquisa aplicado em plataforma web junto a potenciais investidores. Os atributos rentabilidade, possibilidade de perda (proxy de risco), liquidez, taxa de administração e recomendação do gerente foram identificados como os mais relevantes para a decisão do investidor. Para construção dos estímulos e decomposição da utilidade da decisão foi utilizada a técnica conjoint based choice (CBC) que simula uma decisão real. Os resultados apontaram ser a recomendação do gerente o atributo mais importante para a formação da preferência por uma alternativa de investimento, resultado que, por si só, indica que fatores não racionais exercem influência na decisão. Estudou-se, então, o impacto da aversão ao risco e do estilo cognitivo do investidor. Os resultados denotam que os mais avessos e os mais intuitivos são mais suscetíveis à recomendação do gerente, mas que seus efeitos são independentes entre si. As evidências sugerem que os mais intuitivos utilizam o gerente para alcançar conforto cognitivo na decisão e que os mais avessos para mitigar a sensação de risco associada ao produto. Uma análise de cluster indicou ser possível segmentar a amostra em dois grupos, um mais propenso à recomendação do gerente e outro aos atributos do produto. A recomendação do gerente mostrou ser o atributo mais forte na distinção dos grupos. Os resultados indicam que uma segmentação de mercado baseada na propensão à recomendação do gerente pode ser efetiva para direcionar a construção de uma estratégia de relacionamento que busque incrementar os resultados de longo prazo.

Território hipermediatizado e cidades locativas: o Projeto "Imaterialaveiro" na divulgação do património (i)material de Aveiro

O presente trabalho visa contribuir com a conceção e implementação de uma plataforma web na área do turismo e da cultura, mais especificamente dedicada ao património (i)material, a cidade de Aveiro. A ambição do projeto é apresentar às pessoas que façam o uso do site www.imaterialaveiro.yolasite.com, o que está por trás de determinados aspetos que caracterizam a cidade de Aveiro, em especial o componente cultural, simbólico e histórico que não pode ser visto facilmente. O projeto tem dois grandes objetivos, o primeiro é fazer um levantamento bibliográfico do que já foi escrito sobre os media locativos e território hipermediatizado, tentando identificar definições dadas por autores diferentes, os exemplos trazidos por esses autores acerca destes media locativos num território hipermediatizado e qual o papel cultural desses dois elementos tecnológicos na atualidade. O segundo grande objetivo é a criação de um mapa virtual baseado em geolocalização. O projeto ImaterialAveiro terá como propósito transmitir através de vídeos o patrimônio (i)material da cidade de Aveiro. A escolha destes patrimônios (i)materiais será um grande desafio no trabalho, tendo em vista que a UNESCO, que é o órgão responsável pela identificação deste tipo de patrimônio, ainda não reconheceu nenhum aspeto da cidade de Aveiro como patrimônio imaterial. Logo, a escolha far-seá com a ajuda dos agentes locais, sendo assim, também, um desafio de cidadania participante. O projeto pretende contribuir para a análise dos media locativos e para a reflexão sobre a sua influência na experiência das cidades, além de deixar para a cidade de Aveiro um exemplo de como interagir com a cultura intangível através da geolocalização.

POSTDATA – Towards publishing European poetry as linked open data

POSTDATA is a 5 year's European Research Council (ERC) Starting Grant Project that started in May 2016 and is hosted by the Universidad Nacional de Educación a Distancia (UNED), Madrid, Spain. The context of the project is the corpora of European Poetry (EP), with a special focus on poetic materials from different languages and literary traditions. POSTDATA aims to offer a standardized model in the philological field and a metadata application profile (MAP) for EP in order to build a common classification of all these poetic materials. The information of Spanish, Italian and French repertoires will be published in the Linked Open Data (LOD) ecosystem. Later we expect to extend the model to include additional corpora. There are a number of Web Based Information Systems in Europe with repertoires of poems available to human consumption but not in an appropriate condition to be accessible and reusable by the Semantic Web. These systems are not interoperable; they are in fact locked in their databases and proprietary software, not suitable to be linked in the Semantic Web. A way to make this data interoperable is to develop a MAP in order to be able to publish this data available in the LOD ecosystem, and also to publish new data that will be created and modeled based on this MAP. To create a common data model for EP is not simple since the existent data models are based on conceptualizations and terminology belonging to their own poetical traditions and each tradition has developed an idiosyncratic analytical terminology in a different and independent way for years. The result of this uncoordinated evolution is a set of varied terminologies to explain analogous metrical phenomena through the different poetic systems whose correspondences have been hardly studied – see examples in González-Blanco & Rodríguez (2014a and b). This work has to be done by domain experts before the modeling actually starts. On the other hand, the development of a MAP is a complex task though it is imperative to follow a method for this development. The last years Curado Malta & Baptista (2012, 2013a, 2013b) have been studying the development of MAP's in a Design Science Research (DSR) methodological process in order to define a method for the development of MAPs (see Curado Malta (2014)). The output of this DSR process was a first version of a method for the development of Metadata Application Profiles (Me4MAP) (paper to be published). The DSR process is now in the validation phase of the Relevance Cycle to validate Me4MAP. The development of this MAP for poetry will follow the guidelines of Me4MAP and this development will be used to do the validation of Me4MAP. The final goal of the POSTDATA project is: i) to be able to publish all the data locked in the WIS, in LOD, where any agent interested will be able to build applications over the data in order to serve final users; ii) to build a Web platform where: a) researchers, students and other final users interested in EP will be able to access poems (and their analyses) of all databases; b) researchers, students and other final users will be able to upload poems, the digitalized images of manuscripts, and fill in the information concerning the analysis of the poem, collaboratively contributing to a LOD dataset of poetry.

SQMS – A prototype for a supplier quality management system

Within the supply chain, the customer does not simply buy parts or services from suppliers, but also buys supplier capabilities, which results in quality products and services. Having a tool that handles the Inspection as well as the Nonconformance, Complaint, Corrective Action and Concession processes is key to successfully track the supplier performance. Taking as a case study a Supplier Quality Management (SQM) currently in operation in an Original Equipment Manufacturer (OEM) for automotive industry, this paper presents a platform to support a Supplier Quality Management System (SQMS), that fits the technical specification ISO/TS 16949 requirements. This prototype is composed by a web platform and a mobile App, having flexibility and mobility as key main characteristics.

Plano de negócios de uma plataforma de e-recruitment

Mestrado em Ciências Empresariais

DEVELOPMENT AND VALIDATION OF THE ANTERIOR CRUCIATE LIGAMENT INJURY-RISK-ESTIMATION QUIZ (ACL-IQ)

Over 2 million Anterior Cruciate Ligament (ACL) injuries occur annually worldwide resulting in considerable economic and health burdens (e.g., suffering, surgery, loss of function, risk for re-injury, and osteoarthritis). Current screening methods are effective but they generally rely on expensive and time-consuming biomechanical movement analysis, and thus are impractical solutions. In this dissertation, I report on a series of studies that begins to investigate one potentially efficient alternative to biomechanical screening, namely skilled observational risk assessment (e.g., having experts estimate risk based on observations of athletes movements). Specifically, in Study 1 I discovered that ACL injury risk can be accurately and reliably estimated with nearly instantaneous visual inspection when observed by skilled and knowledgeable professionals. Modern psychometric optimization techniques were then used to develop a robust and efficient 5-item test of ACL injury risk prediction skill—i.e., the ACL Injury-Risk-Estimation Quiz or ACL-IQ. Study 2 cross-validated the results from Study 1 in a larger representative sample of both skilled (Exercise Science/Sports Medicine) and un-skilled (General Population) groups. In accord with research on human expertise, quantitative structural and process modeling of risk estimation indicated that superior performance was largely mediated by specific strategies and skills (e.g., ignoring irrelevant information), independent of domain general cognitive abilities (e.g., metal rotation, general decision skill). These cognitive models suggest that ACL-IQ is a trainable skill, providing a foundation for future research and applications in training, decision support, and ultimately clinical screening investigations. Overall, I present the first evidence that observational ACL injury risk prediction is possible including a robust technology for fast, accurate and reliable measurement—i.e., the ACL-IQ. Discussion focuses on applications and outreach including a web platform that was developed to house the test, provide a repository for further data collection, and increase public and professional awareness and outreach (www.ACL-IQ.org). Future directions and general applications of the skilled movement analysis approach are also discussed.

Plan de Empresa Personal Fit

Personal Fit es una plataforma web y aplicación dedicada al diseño personalizado de rutinas de ejercicio con su respectiva dieta alimenticia. El propósito principal de Personal Fit es ayudar a jóvenes y adultos, con capacidad económica que trabajen y/o estudien y que quieren cambiar su aspecto físico y mejorar su estilo de vida, a lograr por medio del establecimiento de metas precisas y constante seguimiento a que cada uno alcance su objetivo en el menor tiempo posible.

LifeSpeeder: a web and mobile platform for events location

The use of smartphones and tablets as become almost banal in these days. Smartphones, besides serving their main purpose of making and receiving calls, come to be one of the main equipments to obtain information from the Internet, using the commonly installed browsers or through the use of dedicated applications. Furthermore, several other devices are also very frequent to the majority of the modern smartphones and tablets in the market (e.g., GPS - Global Positioning System). This devices give the current systems a very high potential of usage. One example of applicability, comes from the wish to find and navigate to events or activities which are or will soon be occurring near the user. The LifeSpeeder platform is one of the first applications in the mobile equipment market of applications which take into consideration exactly what we have just outlined, i.e., a mobile and desktop application which allows the users to locate events according with their preferences and to get help navigating to them. In this paper we briefly describe the LifeSpeeder's front and back-end. © 2014 Springer International Publishing.

Suporte a testes automáticos em aplicações web geradas com a OutSystems Platform

Dissertação de natureza científica para obtenção do grau de Mestre em Engenharia Informática e de Computadores

Adaptive intelligent agent approach to guide the web navigation on the PLAN-G distance learning platform

Hypermedia systems based on the Web for open distance education are becoming increasingly popular as tools for user-driven access learning information. Adaptive hypermedia is a new direction in research within the area of user-adaptive systems, to increase its functionality by making it personalized [Eklu 961. This paper sketches a general agents architecture to include navigational adaptability and user-friendly processes which would guide and accompany the student during hislher learning on the PLAN-G hypermedia system (New Generation Telematics Platform to Support Open and Distance Learning), with the aid of computer networks and specifically WWW technology [Marz 98-1] [Marz 98-2]. The PLAN-G actual prototype is successfully used with some informatics courses (the current version has no agents yet). The propased multi-agent system, contains two different types of adaptive autonomous software agents: Personal Digital Agents {Interface), to interacl directly with the student when necessary; and Information Agents (Intermediaries), to filtrate and discover information to learn and to adapt navigation space to a specific student

Utilizing cross-domain SOAP Web services using client-side languages in an enterprise mashup platform

Service oriented architectures (SOA) based on Simple Object Access Protocol (SOAP) Web services have attracted the attention of enterprises mainly for business-to-business integration and to create composite applications that execute business processes. An existing problem is the lack of preoccupation with non technical users due to the fact that to create a composite application to fulfill users needs, it is necessary to be in contact with IT staff. To overcome this issue, enterprises can take advantage of web 2.0, 'introducing in the development stage some technologies like mashups and some concepts like user empowerment, collaborative work and collective intelligence. Some results [3] [13] have shown how web 2.0 concepts can help non technical users to produce relative complex business processes. However, traditional enterprise requirements goes beyond typical web 2.0 solutions in several aspects: (1) traditional enterprise systems are based on heterogeneous stack of technologies that are not directly exploitable from a web-based client (where SOAP web services play an important role); (2) web browsers set some cross-domain security constraints making difficult to integrate services from diverse domains. In this paper, a contribution to two web 2.0 research projects [14] [15] partially solves the problems described: provide a way to invoke cross-domain backend services (based on SOAP technologies) directly only using clientside languages, without a need for any adaptation layer. © 2010 ACM.

Uso di strumenti web per la reingegnerizzazione platform independent di applicazioni multipiattaforma.

La tesi parla del processo di modernizzazione di un software aziendale verso tecnologie web. Il trattato prosegue poi con lo studio di automatizzazione del processo, tramite strumenti di descrizione grammatiche (e DSL) come Xtext.