Monday, June 10, 2019

Transport applications consume up to 10% of users ' budget

The consumption habits of Brazilians have changed radically in the last five years. With the evolution of smartphones, almost every kind of service is now at fingertips. A survey on consumption through applications gives the weight dimension that these "invisible expenditures" have and shows how much they can compromise the budget. According to the Pocket Guide survey, a platform for the organization of personal finances, only expenditures with the main transport apps in the country-Uber, 99 and Cabify-have committed, on average, 9.5% of the income of the 72000 users of the platform that used this service in May. The average expense with these apps in the month was R $119. Secondly, expenses were spent on food delivery applications. The average spent by the 39000 users who paid for this service in May was R $85, a share of 8.1% of the income recorded by this group. The expense of movie and music applications is in the budget of 30000 and 49000 users of the platform, respectively. The pressure on the bills, however, was much lower: none of the two expenditures reached 3% of the budget. Although the data refer to a small and specific portion of the population, they allow to see a new consumption profile that is not related only to income, evaluates the coordinator of the consumer Price index of Fipe, Guilherme Moreira. "Habits have changed in a permanent way, the structure of spending has changed. These are interesting figures that show the importance that these technologies have had in people's lives, "he says. The teacher explains that these expenditures are not exactly extras, as they tend to replace other expenses-while food applications grow, a family can decrease the frequency of food in restaurants. "We should see a redistribution of the weights of the sectors," he says. At your Fingertips For Cláudia Mendes Nogueira, a member of the consultancy firm of Valor, the popularization of these applications managed to be fast, because they act with services that were already part, even if otherwise, of people's lives. "They're easy to use, there's not a big entrance barrier." It draws attention, however, to the other side of these facilities. "Spending control is a habit that is acquired throughout life and is a sensitive point for young people." Director of the Pocket Guide, Julio Duram agrees that it is not difficult to lose control with these expenditures. "If you look at the categories, all are about convenience, they are a simpler and shorter way. But there's a trap: you spend it and you only see the size of the damage at the end of the month when you lack money, "he says. It was, little by little, that the Carioca engineer Priscila Lourinho, 28, closed a few months in red because of expenses with transport apps. Instead of the most in-account journey to the work, by subway, the car's winning minutes prevailed. "I didn't plan, and then I realized I was blowing the budget. I have this mapped today. I learned that time is money, literally. " For the public relations Hamilton Rodrigues, of 33 years, the option for the application to go from home, in the neighborhood of Pompei, for work, in Pinheiros, both in the West zone of São Paulo, is the result of convenience, since it practically does not result in time savings. Prioritizing comfort, it has already burst the budget by about R $500. "Small values look like they won't affect, so you end up relaxing and ordering a car for anything. There's always an excuse, "he jokes. Offer Without waiting for the official research institutes that confirm this new reality, companies already offer services to facilitate access to this type of consumption and also to accompany the expenditures. The Fintech Neon payments launched last month a service to control the use of the card in payments from Netflix, iFood, Spotify and Uber. According to the company, the consumer range between 28 and 34 years is the one that compromises most of the income with the services, reaching 30%. "We identified this behavior and put our focus on young people who start earning their own money," says Neon director Alexandre Álvares. One of the founders of the digital platform, Carlos Barros emphasizes that this market, which began to take off in 2014, is not restricted to the higher income ranges. Cash payments, for example, reach the public five times higher than that of the card, account. Among the users of the fashion that earn up to a minimum wage, the expenses with the transport app are, on average, R $52. From one to two wages, from R $58. "This reveals the reach of applications in all classes, levered by the use of smartphones in all rents," he says. According to the most recent research by ICT households, 60 million of Brazilians accessed the internet exclusively by mobile phone in 2017. Planning If well planned, the expense of applications may even represent a relief to the pocket, as in the case of public relations Louise Arcanjo, from São Caetano (SP). She stopped using the private car after putting the costs at the tip of the pencil. Using the company's charter to go to work and going to the capital with only app, saves up to R $150 per month. "I went to do my nails and left the car parked. When I came back, I saw that the price charged was twice what would come out if it were for the app. Then I decided to do the math. " Economics & Finance Transport applications consume up to 10% of users ' budget Estadão content • Posted on 10/06/19 at 07:34 The consumption habits of Brazilians have changed radically in the last five years. With the evolution of smartphones, almost every kind of service is now at fingertips. A survey on consumption through applications gives the weight dimension that these "invisible expenditures" have and shows how much they can compromise the budget. Advertising According to the Pocket Guide survey, a platform for the organization of personal finances, only expenditures with the main transport apps in the country-Uber, 99 and Cabify-have committed, on average, 9.5% of the income of the 72000 users of the platform that used this service in May. The average expense with these apps in the month was R $119. Secondly, expenses were spent on food delivery applications. The average spent by the 39000 users who paid for this service in May was R $85, a share of 8.1% of the income recorded by this group. The expense of movie and music applications is in the budget of 30000 and 49000 users of the platform, respectively. The pressure on the bills, however, was much lower: none of the two expenditures reached 3% of the budget. Although the data refer to a small and specific portion of the population, they allow to see a new consumption profile that is not related only to income, evaluates the coordinator of the consumer Price index of Fipe, Guilherme Moreira. "Habits have changed in a permanent way, the structure of spending has changed. These are interesting figures that show the importance that these technologies have had in people's lives, "he says. The teacher explains that these expenditures are not exactly extras, as they tend to replace other expenses-while food applications grow, a family can decrease the frequency of food in restaurants. "We should see a redistribution of the weights of the sectors," he says. At your Fingertips For Cláudia Mendes Nogueira, a member of the consultancy firm of Valor, the popularization of these applications managed to be fast, because they act with services that were already part, even if otherwise, of people's lives. "They're easy to use, there's not a big entrance barrier." It draws attention, however, to the other side of these facilities. "Spending control is a habit that is acquired throughout life and is a sensitive point for young people." Director of the Pocket Guide, Julio Duram agrees that it is not difficult to lose control with these expenditures. "If you look at the categories, all are about convenience, they are a simpler and shorter way. But there's a trap: you spend it and you only see the size of the damage at the end of the month when you lack money, "he says. It was, little by little, that the Carioca engineer Priscila Lourinho, 28, closed a few months in red because of expenses with transport apps. Instead of the most in-account journey to the work, by subway, the car's winning minutes prevailed. "I didn't plan, and then I realized I was blowing the budget. I have this mapped today. I learned that time is money, literally. " For the public relations Hamilton Rodrigues, of 33 years, the option for the application to go from home, in the neighborhood of Pompei, for work, in Pinheiros, both in the West zone of São Paulo, is the result of convenience, since it practically does not result in time savings. Prioritizing comfort, it has already burst the budget by about R $500. "Small values look like they won't affect, so you end up relaxing and ordering a car for anything. There's always an excuse, "he jokes. Offer Without waiting for the official research institutes that confirm this new reality, companies already offer services to facilitate access to this type of consumption and also to accompany the expenditures. The Fintech Neon payments launched last month a service to control the use of the card in payments from Netflix, iFood, Spotify and Uber. According to the company, the consumer range between 28 and 34 years is the one that compromises most of the income with the services, reaching 30%. "We identified this behavior and put our focus on young people who start earning their own money," says Neon director Alexandre Álvares. One of the founders of the digital platform, Carlos Barros emphasizes that this market, which began to take off in 2014, is not restricted to the higher income ranges. Cash payments, for example, reach the public five times higher than that of the card, account. Among the users of the fashion that earn up to a minimum wage, the expenses with the transport app...
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