{"id":7927,"date":"2022-03-29T07:56:45","date_gmt":"2022-03-29T02:56:45","guid":{"rendered":"https:\/\/scholarpublishing.org\/sse\/?p=7927"},"modified":"2022-03-29T08:04:22","modified_gmt":"2022-03-29T03:04:22","slug":"eb42","status":"publish","type":"post","link":"https:\/\/scholarpublishing.org\/sse\/eb42\/","title":{"rendered":"Differences between Digital and Physical Cash Availability across Digital Supply Chains: A Case Study about Brazilian Banking Systems"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7927\" class=\"elementor elementor-7927\">\r\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4da2cfb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4da2cfb6\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e5a1dd6\" data-id=\"1e5a1dd6\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4707d676 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4707d676\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5f289a77\" data-id=\"5f289a77\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b075147 custom-sub-heading elementor-widget elementor-widget-heading\" data-id=\"2b075147\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Differences between Digital and Physical Cash Availability across Digital Supply Chains: A Case Study about Brazilian Banking Systems<\/h2>\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5462feb3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5462feb3\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-2489190\" data-id=\"2489190\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73c3ad45 elementor-widget elementor-widget-heading\" data-id=\"73c3ad45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Vin\u00edcius Zomkowski Salvi<\/h6>\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-781046e8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"781046e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Santa Catarina Federal University, Brazil<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-2fbb9cd6 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2fbb9cd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>DOI:<\/strong><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/doi.org\/10.14738\/eb.42.2020\">\r\n\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">https:\/\/doi.org\/10.14738\/eb.42.2020<\/span>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-58e8d173 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"58e8d173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Keywords:<\/strong><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hhypothesis, Cyber-Physical Systems, Digital Supply Chain<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-3974d91d custom-text-justify elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3974d91d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\r\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Abstract:<\/strong><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\r\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">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 Ita\u00fa - 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\u2019s 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.<\/span>\r\n\t\t\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-48c0052a elementor-widget elementor-widget-text-editor\" data-id=\"48c0052a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t<!-- References Button -->\n<div class=\"py-3 text-center\"><button class=\"btn btn-lg btn-primary\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapseExample\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\nView References\n<\/button><\/div>\n\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-4db6086 elementor-widget elementor-widget-text-editor\" data-id=\"4db6086\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t<div id=\"collapseExample\" class=\"collapse mt-3\"><ol><li>AQ Pago 1B (2020). 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class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t\t\t<p>This work is licensed under a\u00a0<a href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"license\">Creative Commons Attribution 4.0 International License<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-31dbd650 dropdown-divider elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"31dbd650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\r\n\t\t\t<span class=\"elementor-divider-separator\">\r\n\t\t\t\t\t\t<\/span>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t<\/section>\r\n\t\t\t\t<\/div>\r\n\t\t","protected":false},"excerpt":{"rendered":"<p>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 &#8211; the total sum of Branches of BB , Bradesco and Ita\u00fa &#8211; 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\u2019s 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.<\/p>\n","protected":false},"author":2,"featured_media":7930,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"plain-container","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2,50,64,68],"tags":[317,319,318],"class_list":["post-7927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ebooks","category-environmental-studies","category-philosophy","category-social-sciences","tag-cyber-physical-systems","tag-digital-supply-chain","tag-hhypothesis"],"_links":{"self":[{"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/posts\/7927","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/comments?post=7927"}],"version-history":[{"count":5,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/posts\/7927\/revisions"}],"predecessor-version":[{"id":7934,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/posts\/7927\/revisions\/7934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/media\/7930"}],"wp:attachment":[{"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/media?parent=7927"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/categories?post=7927"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scholarpublishing.org\/sse\/wp-json\/wp\/v2\/tags?post=7927"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}