O setor bancário e o uso da economia comportamental para a tomada de decisão

Abstract

The objective of the present work is to analyze, by means of a literature review, the relationship of Behavioral Economics in decision making by banking institutions, from the point of view of economic sciences. The method adopted in the research is exploratory and descriptive in nature, using queries contained in the literature focused on economics that deals with Behavioral Economics in the banking sector. For this, the bibliographies were extracted from databases such as Google Scholar, Scientific Electronic Library Online (SciELO) and Google Scholar, as well as consultations on digital platforms (online), such as the Brazilian Association of Banks (ABBC), and electronic journals that deal with the context addressed in this research paper. Behavioral economics is ideal to provide subsidies to banking institutions when it comes to decision making, and over time provides new concepts for solutions in strategic interactions in advance. In this vein, behavioral economics, provides the economic sciences with a relatively new theory capable of explaining emerging evidence that is refutable and based on empirically robust psychological principles associated. In summary, it was observed, that information has to be aligned with consumer practices, in a financial institution such as banks, the information has to be connected to the bank's guidelines, products to offer, from there, the process for decision making begins. Finally, it is concluded that behavioral economics is a tool that can give financial institutions subsidies to understand how customers behave and how they should plan to make decisions based on the principles of behavioral economics.