O efeito do serviço de débito automático na atenção e escolhas do consumidor

• Ano de defesa: 2017
• Autor(a) principal: Mota, André Yukio Abe
• Orientador(a): Ferman, Bruno
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Palavras-chave em Português: Consumo; Débito automático; Telecom
• Palavras-chave em Inglês: Consumption; Automatic debit
• Link de acesso: http://hdl.handle.net/10438/17962

Using panel data of Brazilian Telecom customers, the present study seeks to understand the relationship between the client and his expenses when new payment tools are included. From a sample of 127 clients who accepted a proposal for automatic debit service registration, we identified that part of these clients would have to look for the bank to sign up for the tool, as certain banks do not grant the telephony company this competency. With this information, we estimate a model of differences in differences to assess the effect of having your account in automatic debit in several variables, such as: voice consumption, data consumption, invoiced amount, amount paid and delay. The results of the study suggest that delays are reduced, and invoice and payment amounts increase due to the automatic debit service.