PROTÓTIPO DE UM APLICATIVO DE EDUCAÇÃO FINANCEIRA POR MEIO DE DESIGN THINKING

Abstract

This paper proposes the creation of a prototype of financial education software for cell phones that helps the user understand how our minds work and how a large part of financial decisions are influenced by behavioral biases. The objective is to deliver a prototype of a financial education application that will create tests (quiz) to measure the user's knowledge on the subject and guide them through the concept of behavioral biases. To this end, in addition to the application prototype, a bank of questions inspired by the institutionalist theory of financial education was created. The software is expected to be an invitation to the user to stop, reflect and recognize that their decisions are influenced by factors that they are often unable to perceive. Additionally, it is expected that, by internalizing the existence of behavioral biases, one will realize that no matter how financially literate an individual may be, they are subject to “traps” that can lead them to make bad decisions.