A carregar...
Publicação
The impact of Covid-19 on transaction data in Portugal
| Nome: | Descrição: | Tamanho: | Formato: | |
|---|---|---|---|---|
| 658.41 KB | Adobe PDF |
Orientador(es)
Resumo(s)
Esta dissertação analisa o impacto da pandemia COVID-19 em dados regionais de transações em Portugal. Mais especificamente, o impacto regional é ponderado, assim como o impacto em diversas características dos municípios. Os dados usados são provenientes do INE, PORDATA e DGS e consideramos características económicas, demográficas e sociais em 278 concelhos de Portugal continental de 2015 a 2020. O método OLS de regressão é usado para efetuar a analise estatística.
Estudos anteriormente realizados sugerem um aumento das transações antes da pandemia, como forma de açambarcar, mas também sugerem que o consumo iria diminuir durante o período subsequente à declaração do estado de emergência.
Neste estudo analisamos três modelos distintos para compreender os três canais de transações: Levantamentos em ATM, pagamentos usando cartão português e pagamentos usando cartão estrangeiro. Testamos estes três modelos de forma a compreender os efeitos regionais causados pelo COVID-19.
Observamos que as regiões com maior número de pacientes infetados com COVID-19 têm um impacto negativo em todos os canais de transação e que os meses de verão fazem aumentar valor de transações dos três canais considerados. Controlamos também diversas outras características regionais como a demográficas, económicas e sociais.
This dissertation aims to analyze the impact of COVID-19 on regional transaction data in Portugal. More specifically, the regional impact is assessed, as well as the impact on several characteristics of these counties. The data used is from INE, PORDATA and DGS and we consider economic, demographic and social characteristics in 278 counties in mainland Portugal from 2015 to 2020. An OLS regression method is used to perform the analytic analysis. Previous studies suggest an increase in transactions prior to the pandemic, as a stockpiling behavior, while also suggesting that the overall consumption drops in the months following the emergency state. In this study we analyze three different models to comprehend the three different transaction channels: Automated Teller Machine withdrawals, payments using Portuguese card and payments using foreign card. We use data from the counties in Portugal mainland in order to understand the regional effects caused by COVID-19. We found that regions with more COVID-19 infected people have a negative impact on all transactions and that summertime increases all three transaction channels in consideration. We also control for several other characteristics of each region like demographic, economic and social.
This dissertation aims to analyze the impact of COVID-19 on regional transaction data in Portugal. More specifically, the regional impact is assessed, as well as the impact on several characteristics of these counties. The data used is from INE, PORDATA and DGS and we consider economic, demographic and social characteristics in 278 counties in mainland Portugal from 2015 to 2020. An OLS regression method is used to perform the analytic analysis. Previous studies suggest an increase in transactions prior to the pandemic, as a stockpiling behavior, while also suggesting that the overall consumption drops in the months following the emergency state. In this study we analyze three different models to comprehend the three different transaction channels: Automated Teller Machine withdrawals, payments using Portuguese card and payments using foreign card. We use data from the counties in Portugal mainland in order to understand the regional effects caused by COVID-19. We found that regions with more COVID-19 infected people have a negative impact on all transactions and that summertime increases all three transaction channels in consideration. We also control for several other characteristics of each region like demographic, economic and social.
Descrição
Mestrado em Finanças
Palavras-chave
COVID-19 Impacto Pandemia Levantamentos Multibanco Transações com cartões portugueses Transações com cartões estrangeiros Pandemic impact ATM Withdrawal Transactions using national cards Transactions using foreign cards
Contexto Educativo
Citação
Vicente, Tomás Ferreira Martins Pereira (2020). "The impact of Covid-19 on transaction data in Portugal". Dissertação de Mestrado. Universidade de Lisboa. Instituto Superior de Economia e Gestão.
Editora
Instituto Superior de Economia e Gestão