Services for Science and Education Ltd

  • Home
  • About
    • Profile
    • Open Access
    • For The Readers
    • Abstracting and Indexing
    • Contact
  • Journals
    • Engineering
    • Social Sciences
    • Open Access Journals
  • Submit Article
    • Engineering
      • European Journal of Applied Sciences
      • Journal of Biomedical Engineering and Medical Imaging
      • Transactions on Machine Learning & Artificial Intelligence
      • Transactions on Networks and Communications
    • Social Sciences
      • Archives of Business Research
      • Advances in Social Sciences Research Journal
  • Authors
    • Author’s Guidelines
    • Authors’ Rights & Responsibilities
    • Author’s Benefits
    • Online First
  • Policies
    • Article Publishing Charges
    • Return, Refund & Cancellation Policy
    • Editorial Policy
    • Peer Review Policy
    • Frequently Asked Questions
    • Publication Ethics
    • Privacy Policy
    • Terms and Conditions
    • Terms of Use
  • Call for Papers
    • Call for Papers – ABR
    • Call for Papers – AIVP
    • Call for Papers – ASSRJ
    • Call for Papers – JBEMi
    • Call for Papers – TMLAI
    • Call for Papers – TNC
  • eBooks Publishing
    • Benefits of publishing with us
    • How to Submit eBook Proposal
    • How much it Cost
    • Turning your Dissertation into a successful book
    • Tweet your research
    • Tips of getting your dissertation published
  • Published eBooks
  • Home
  • About
    • Profile
    • Open Access
    • For The Readers
    • Abstracting and Indexing
    • Contact
  • Journals
    • Engineering
    • Social Sciences
    • Open Access Journals
  • Submit Article
    • Engineering
      • European Journal of Applied Sciences
      • Journal of Biomedical Engineering and Medical Imaging
      • Transactions on Machine Learning & Artificial Intelligence
      • Transactions on Networks and Communications
    • Social Sciences
      • Archives of Business Research
      • Advances in Social Sciences Research Journal
  • Authors
    • Author’s Guidelines
    • Authors’ Rights & Responsibilities
    • Author’s Benefits
    • Online First
  • Policies
    • Article Publishing Charges
    • Return, Refund & Cancellation Policy
    • Editorial Policy
    • Peer Review Policy
    • Frequently Asked Questions
    • Publication Ethics
    • Privacy Policy
    • Terms and Conditions
    • Terms of Use
  • Call for Papers
    • Call for Papers – ABR
    • Call for Papers – AIVP
    • Call for Papers – ASSRJ
    • Call for Papers – JBEMi
    • Call for Papers – TMLAI
    • Call for Papers – TNC
  • eBooks Publishing
    • Benefits of publishing with us
    • How to Submit eBook Proposal
    • How much it Cost
    • Turning your Dissertation into a successful book
    • Tweet your research
    • Tips of getting your dissertation published
  • Published eBooks

Services for Science and Education Ltd

Promoting Education and Research

  • eBooks

by · Published · Updated

Differences between Digital and Physical Cash Availability across Digital Supply Chains: A Case Study about Brazilian Banking Systems

By: Vinícius Zomkowski Salvi

Santa Catarina Federal University, Brazil

DOI: 10.14738/eb.42.2020

PDF


Purpose: This research work differentiates digital and physical cash availability based in the hypothesis that digital money is created using further virtual enterprises efficiency while physical cash, even utilizing digital supply chains, depends fundamentally of material management efficiency. This research was also considering that banks were one segment which very developed virtual integrations due to their peculiarities (high value transportation, storage, and etc.).

Design Methodology: They are three different case studies. The first one about BB (Banco do Brasil), Itau, and Bradesco (the three biggest commercial banks) operations in Brazil for availability of Physical money, using official data kept by Central Bank of Brazil, IBGE, and those three above cited Banks. The digital money availability was another case study investigating the whole payment system of Brazil using POS, card, credit, debit information provided by BCB. The third case study was designed for investigating practices of digital supply chains through further usages in BB, Bradesco, and Itau. However, during the research, the original plan got no enough results, turning the last case investigation more about the same whole payment system, informing the clouding computing, the interoperability, and the reduction of physical demands like introductory results.

Finding: This dissertation were able of mapping graphically how the physical money is spread across banking operations into the Brazilian territory, better saying, it shows Brazilian Bank – the total sum of Branches of BB , Bradesco and Itaú – concentrations in each municipality, and the availability of M0-Branches Reserves of those same banks across those same municipalities.

The Digital money applications pointed the debit, credit, online transferring, STR, TED, DOC, intrabank operations as very used examples of digital money. Visa and Master card are the two main banner card used in Brazil, but this country has challenges of internet and mobile usages for accomplishing its ambitious project of further integration and instantaneous electronic Payments (PIX).

Practical Implications: The Digital money today’s availability is not instantaneous (up to 2 workdays), it is expensive (up to R$20.00 each transaction) and not able 24 hours per day, all week (only workdays).

The physical money is also compounded by hidden costs of storage, packaging, transportation and purchase, making Central Bank of Brazil spend more than R$700.00 million each year. The second tier, from BCB to Commercial Banks, has also potential of being expensive, once transportation, physical installations, third party services, surveillance, and transport represent the majority of those operational costs and should be also applied to commercial banks physical distribution.

Share

Follow:

Call for Papers

  • Recent Posts
  • Popular Posts
  • ABR: Vol 8 No 6 Dec 2020

  • TMLAI: Vol 8 No 6 Dec 2020

  • EJAS: Vol 8 No 6 Dec 2020

  • ASSRJ: Vol 7 No 12 Dec 2020

  • JBEMi: Vol 7 No 6 Dec 2020

  • TNC: Vol 8 No 6 Dec 2020

  • Transactions on Machine Learning and Artificial Intelligence

  • Transactions on Networks and Communications

  • European Journal of Applied Sciences

  • Advances in Social Sciences Research Journal

  • Archives of Business Research

  • Journal of Biomedical Engineering and Medical Imaging

More

Journals

  • Journal of Biomedical Engineering and Medical Imaging

  • Archives of Business Research

  • European Journal of Applied Sciences

  • Advances in Social Sciences Research Journal

  • Transactions on Networks and Communications

  • Transactions on Machine Learning and Artificial Intelligence

Profile

  • Profile
  • Journals
  • Call for Papers
  • eBook Publishing

Authors

  • Article Publishing Charges
  • Authors’ Rights
  • Author’s Benifits
  • Author Guidelines

Policies

  • Terms of Use
  • Terms and Conditions
  • Privacy Policy
  • Return, Refund, Cancellation Policy

Services for Science and Education Ltd.
Brooklands Road,
B28 8JP, Birmingham
United Kingdom
Tel: +44(0)755-4249-343
Email: office@scholarpublishing.org

(c) 2010-18 Services for Science and Education, United Kingdom