A transformação digital: a banca, as telecomunicações e a economia digital em Angola
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2022
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Este trabalho teve como objetivo estudar a Transformação Digital e fenómenos associados com um especial levantamento sobre a realidade angolana, da qual foram analisados os sectores económicos Bancário e das Telecomunicações face às suas adaptações ao universo digital e os impactos das suas atuações sobre a Economia Digital nacional, se aproveitando desse modo perceber também qual é o seu estado atual. Para o efeito, recorreu-se a fontes documentais, entre as quais uma revisão literária e a coleta de informações em revistas e jornais, e a fontes não documentais, com destaque para entrevistas. Foi ainda realizado um teste exploratório não estatístico em uma amostra de 526 trabalhadores de diversas áreas da Economia angolana, com destaque para os dois sectores económicos em estudo, com o objetivo de se avaliar o seu perfil em literacia de dados e os resultados indicaram existir um nível intermédio de compreensão e uso de dados que precisa de ser aprimorado. A partir das pesquisas desenvolvidas sobre os principais indicadores do comportamento digital em Angola e das entrevistas realizadas foi possível apurar que o ritmo de desenvolvimento da transformação digital e do incremento da economia digital tem ocorrido em duas velocidades distintas. Muito embora se tenha os dois sectores económico-empresariais destacados nesse estudo com disponibilidade de serviços a partir de canais digitais, tal oferta se destina a um grupo populacional restrito que já consegue ter uma conta bancária, acesso à internet e disponibilidade financeira para a aquisição de dispositivos tecnológicos (smartphones, tablets e computadores). Para a maior parte da população, principalmente a que reside nas áreas rurais do país, o acesso a todas essas possibilidades ainda é uma realidade distante. A concentração destes serviços sobretudo nas zonas urbanas criou desequilíbrios notórios no seio da população e isso principalmente devido aos preços altos praticados pelas prestadoras de serviços de internet e pelas telefonias móveis que não se adequam ao nível de pobreza da população e à baixa empregabilidade dos jovens que representam o maior grupo populacional. Angola é um país em que normativas legais direcionadas para o fomento da transformação digital são previstas, mas muitas das politicas públicas idealizadas pelo governo precisam de uma efetiva concretização. Também passa por se precisar investir muito mais num E-GOV e nos incentivos para o crescimento do investimento privado que poderá atuar como parceiro do governo na projeção do incremento da Economia Digital Nacional.
Palavras chave: Transformação Digital, Angola, Banca, Telecomunicações
This work aimed to study the Digital Transformation and associated phenomena with a special survey on the Angolan reality, from which the Banking and Telecommunications economic sectors were analyzed in view of their adaptations to the digital universe and the impacts of their actions on the national Digital Economy, taking advantage of this way to also understand what your current state is. For this purpose, documentary sources were used, including a literary review and the collection of information in magazines and newspapers, and non-documentary sources, with emphasis on interviews. A non-statistical exploratory test was also carried out on a sample of 526 workers from different areas of the Angolan economy, with emphasis on the two economic sectors under study, with the aim of assessing their profile in data literacy and the results indicated that there was a Intermediate level of understanding and use of data that needs to be improved. From the research carried out on the main indicators of digital behavior in Angola and from the interviews carried out, it was possible to determine that the pace of development of the digital transformation and the growth of the digital economy has occurred at two different speeds. Although the two economic and business sectors highlighted in this study have the availability of services through digital channels, this offer is aimed at a restricted population group that already manages to have a bank account, internet access and financial availability for the acquisition of technological devices (smartphones, tablets and computers). For most of the population, especially those living in rural areas of the country, access to all these possibilities is still a distant reality. The concentration of these services, especially in urban areas, has created notorious imbalances within the population and this is mainly due to the high prices charged by internet service providers and mobile telephony that do not suit the population's level of poverty and the low employability of young people who represent the largest population group. Angola is a country where legal regulations aimed at promoting digital transformation are foreseen, but many of the public policies devised by the government need to be effectively implemented. It also involves the need to invest much more in an E-GOV and in incentives for the growth of private investment that could act as a government partner in projecting the increase of the National Digital Economy. Keywords: Digital Transformation, Angola, Banking, Telecommunications
This work aimed to study the Digital Transformation and associated phenomena with a special survey on the Angolan reality, from which the Banking and Telecommunications economic sectors were analyzed in view of their adaptations to the digital universe and the impacts of their actions on the national Digital Economy, taking advantage of this way to also understand what your current state is. For this purpose, documentary sources were used, including a literary review and the collection of information in magazines and newspapers, and non-documentary sources, with emphasis on interviews. A non-statistical exploratory test was also carried out on a sample of 526 workers from different areas of the Angolan economy, with emphasis on the two economic sectors under study, with the aim of assessing their profile in data literacy and the results indicated that there was a Intermediate level of understanding and use of data that needs to be improved. From the research carried out on the main indicators of digital behavior in Angola and from the interviews carried out, it was possible to determine that the pace of development of the digital transformation and the growth of the digital economy has occurred at two different speeds. Although the two economic and business sectors highlighted in this study have the availability of services through digital channels, this offer is aimed at a restricted population group that already manages to have a bank account, internet access and financial availability for the acquisition of technological devices (smartphones, tablets and computers). For most of the population, especially those living in rural areas of the country, access to all these possibilities is still a distant reality. The concentration of these services, especially in urban areas, has created notorious imbalances within the population and this is mainly due to the high prices charged by internet service providers and mobile telephony that do not suit the population's level of poverty and the low employability of young people who represent the largest population group. Angola is a country where legal regulations aimed at promoting digital transformation are foreseen, but many of the public policies devised by the government need to be effectively implemented. It also involves the need to invest much more in an E-GOV and in incentives for the growth of private investment that could act as a government partner in projecting the increase of the National Digital Economy. Keywords: Digital Transformation, Angola, Banking, Telecommunications
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Orientação: Carla Isabel Agostinho Martins; co-orientação: Jorge Bruno da Costa Ventura
Palavras-chave
MESTRADO EM COMUNICAÇÃO NAS ORGANIZAÇÕES, COMUNICAÇÃO, COMMUNICATION, INCLUSÃO DIGITAL, DIGITAL INCLUSION, ANGOLA, ECONOMIA ANGOLANA, ANGOLAN ECONOMY, SETOR BANCÁRIO, BANKING SECTOR, TELECOMUNICAÇÕES, TELECOMMUNICATIONS, ECONOMIA DIGITAL, DIGITAL ECONOMY, LITERACIA DIGITAL, DIGITAL LITERACY, COMUNICAÇÃO DIGITAL, DIGITAL COMMUNICATION