Redes de auto-atendimento bancário no Brasil: um estudo do compartilhamento

Abstract

It is appropriate to discuss the sharing of ATM networks in view of the moment currently experienced by the banking sector, due to the various ambient changes. Despite the large number of factors causing this current moment, some of them are outstanding, such as the globalization; the monetary stabilization plan; deregulation; and the growth of competitiveness. In the world, in the past decades, all banks have sought for the most efficient models of distribution of their products and services. In the case of Brazil, this new environment has provoked a restructuring in the banking system, with mergers and incorporations, caused by the long period of inflationary culture. The Self-Service networks were successfully implemented in Brazil to such an extent that the country occupies the 3rd place in the world, and additionally innovating with the creation of original SS Equipment, such as the express check. For this reason we understand that to analyze the evolution of the banking system in our country, we must adopt the case-study method, in order to understand the strategic decisions, their results and the eventual changes already mentioned. "The main results point that Brazilian banks have chosen proprietary selfservice in two phases. Firstly, only two large banks did so and later on, 25 other institutions followed, gradually becoming integrated again from l998 onwards. This leads us to conclude that, in Brazil, proprietary selfservice has been seen as a market penetration strategy rather than just a distribution channel.