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Abstract(s)
A inclusão financeira tem vindo a ser cada vez mais um tema debatido na nossa sociedade e é reconhecido como um objetivo importante, cuja prossecução poderá impulsionar a economia. É, portanto, importante explorar as oportunidades proporcionadas pelas novas tecnologias para desenvolver soluções inovadoras que ajudem a atingir este objetivo. Assim nasce o projeto da carteira digital como solução financeira que tem como objetivo a total, ou quase total, desmaterialização do dinheiro em países onde atualmente a maioria das transações financeiras envolvem pagamentos em dinheiro vivo. Este documento é o relatório final do projeto Carteira Digital como Solução Financeira, um projeto de engenharia informática realizado na empresa Innovation Makers durante 9 meses, no contexto do Mestrado em Engenharia Informática. Apresenta-se o contexto social em que o projeto se integra, dando especial ênfase ao problema que este endereça e às oportunidades associadas, e também o contexto técnico, nomeadamente o sistema de pagamentos existente, para utilizadores com contas bancárias. É fornecida uma visão global de alto nível do trabalho realizado, o qual tem duas partes distintas. A primeira parte do trabalho centra-se na conceção e na concretização de uma solução para estender o sistema de pagamentos existente de forma a alargar as movimentações financeiras aos utilizadores que, não possuindo contas bancárias, são donos de pelo menos uma carteira digital. Esta solução passa pelo desenvolvimento de um novo componente—o núcleo bancário—responsável pela movimentação de entradas e saídas de dinheiro, tal como movimentações entre carteiras do próprio sistema. A segunda parte do trabalho foca-se na interoperabilidade entre os sistemas de pagamentos. Pretende-se, recorrendo à utilização da tecnologia de blockchain, ter uma solução em que as movimentações de dinheiro não dependem de uma entidade central, mas antes do consenso entre as entidades envolvidas. É apresentada a arquitetura da solução concebida para o núcleo bancário e para o sistema de pagamentos e são analisadas e discutidas as decisões mais importantes. Apresenta-se, por fim, o trabalho futuro.
Financial inclusion has become an increasingly debated topic in our society and is recognized as an important goal whose pursuit can boost the economy. It is therefore important to exploit the opportunities offered by new technologies to develop innovative solutions that help achieve this goal. Thus, the Digital Wallet project is born as a financial solution that aims at total or almost total dematerialization of money in countries where currently most financial transactions involve cash payments. This document is the final report of the Digital Wallet Project as a Financial Solution, an informatics engineering project carried out at the Innovation Makers company for 9 months, in the context of the Master in Informatics Engineering. It presents the social context in which the project is integrated, giving special emphasis to the problem it addresses and the associated opportunities, as well as the technical context, namely the existing payment system, for users with bank accounts. A high-level overview of the work done, which has two distinct parts, is provided. The first part of this report focuses on the design and implementation of a solution to extend the existing payment system in order to extend financial transactions to users who, having no bank accounts, own at least one digital wallet. This solution involves the development of a new component – the core banking – that is responsible for the movement of inflows and outflows of money, such as movements between the system's own wallets. The second part of this report focuses on interoperability between payment systems. It is intended, using the technology of blockchain, to have a solution in which the money movements do not depend on a central entity, but instead, on the consensus among the entities involved. The architecture of the solution designed for the core banking and the payments system is presented and the most important decisions are analyzed and discussed. This report ends by presenting the future work.
Financial inclusion has become an increasingly debated topic in our society and is recognized as an important goal whose pursuit can boost the economy. It is therefore important to exploit the opportunities offered by new technologies to develop innovative solutions that help achieve this goal. Thus, the Digital Wallet project is born as a financial solution that aims at total or almost total dematerialization of money in countries where currently most financial transactions involve cash payments. This document is the final report of the Digital Wallet Project as a Financial Solution, an informatics engineering project carried out at the Innovation Makers company for 9 months, in the context of the Master in Informatics Engineering. It presents the social context in which the project is integrated, giving special emphasis to the problem it addresses and the associated opportunities, as well as the technical context, namely the existing payment system, for users with bank accounts. A high-level overview of the work done, which has two distinct parts, is provided. The first part of this report focuses on the design and implementation of a solution to extend the existing payment system in order to extend financial transactions to users who, having no bank accounts, own at least one digital wallet. This solution involves the development of a new component – the core banking – that is responsible for the movement of inflows and outflows of money, such as movements between the system's own wallets. The second part of this report focuses on interoperability between payment systems. It is intended, using the technology of blockchain, to have a solution in which the money movements do not depend on a central entity, but instead, on the consensus among the entities involved. The architecture of the solution designed for the core banking and the payments system is presented and the most important decisions are analyzed and discussed. This report ends by presenting the future work.
Description
Trabalho de projecto de mestrado, Engenharia Informática (Engenharia de Software) Universidade de Lisboa, Faculdade de Ciências, 2019
Keywords
Inclusão social Inclusão financeira Sistema financeiro Carteira digital Interoperabilidade Blockchain Economia Trabalhos de projecto de mestrado - 2019