Banca de DEFESA: SINDERNEI DOS SANTOS MARQUES JÚNIOR

Uma banca de DEFESA de MESTRADO foi cadastrada pelo programa.
STUDENT : SINDERNEI DOS SANTOS MARQUES JÚNIOR
DATE: 11/09/2025
TIME: 09:00
LOCAL: Campus Porto Alegre - IFRS - meet.google.com/oyd-snea-dpt
TITLE:

OSTERING INNOVATION IN CREDIT COOPERATIVES: OPPORTUNITIES AND CHALLENGES IN THE ADOPTION OF ARTIFICIAL INTELLIGENCE AND EMERGING TECHNOLOGIES FROM THE PERSPECTIVE OF TECHNOLOGY PROTECTION AND TRANSFER.

KEY WORDS:

Artificial Intelligence; Credit Cooperatives; Financial Institution

PAGES: 120
BIG AREA: Ciências Sociais Aplicadas
AREA: Administração
SUMMARY:

Artificial Intelligence (AI) is present in the financial system, driving changes that encompass the automation of banking services, large-scale personalization of financial products, and the strengthening of cybersecurity systems. The transformations promoted by AI in the financial system result in innovative solutions that not only enhance this technology but also hold significant potential for application in the development and improvement of the sector. Regarding credit unions, barriers such as a lack of expertise and the complexity of integrating with legacy systems hinder AI adoption. In this context, questions arise about which AI applications are being adopted by credit unions and in which situations. Thus, this study aims to investigate the use of AI solutions within credit unions. Using a qualitative approach, the research encompasses a systematic literature review (SLR), patent analysis, and a case study. The six concentration areas identified in SLR are technological innovation, user experience, cybersecurity, strategic management, risk analysis, and algorithm validation. However, only a small fraction of the studies directly address the context of credit unions. The patent analysis showed that although there has been growth in the registration of AI technologies applied to the financial sector, most of the patent filings come from international companies seeking to protect their solutions in Brazil. The case study demonstrated that the initial adoption of AI solutions allowed the cooperative to improve operational efficiency and enhance the personalization of services for its members, strengthening its competitiveness against banks and fintechs, according to the interviewees’ perceptions. As a technological product, the study delivered a Technical Report of Solutions that presents practices for AI adoption, addressing both protection and benefit maximization. Ultimately, this study can provide practical insights that stimulate innovation, support the implementation of AI structures, and contribute to the development of credit unions.

COMMITTEE MEMBERS:
Externo à Instituição - ANDRÉ LUIS ROCHA DE SOUZA - IFBA
Interno - CLAUDIO VINICIUS SILVA FARIAS
Externo à Instituição - MATEUS CASANOVA PEREIRA
Presidente - VERA LUCIA MILANI MARTINS