Browsing by Author "Mimoso, Diogo Ferreira"
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- Redefining personal credit models : strategies for green finance and energy efficiency adoptionPublication . Mimoso, Diogo Ferreira; Xavier, RuteSustainability and environmental responsibility have become a priority in the world we live in, that affects all of us and all businesses. Financial companies are also included in this behavioural change, and right now they must rethink their credit models, to keep up with governmental rules and consumer tastes. This study aims to how UNIBANCO can adapt or create new offerings to embrace its green sustainable financial ideas. This thesis examines three research questions: the existing gaps and opportunities in the green finance market (RQ1), consumer perceptions and attitudes regarding green credit for energyefficient projects (RQ2), and the optimization of marketing and communication strategies to improve consumer engagement with sustainable financial products (RQ3). 203 valid answers were used in the quantitative survey elaborated for this thesis. To complement the survey, an intensive literature review was also done to bring relevant data to this study. The statistical investigation showed that the people are highly motivated about the environment and its perceived financial and social advantages. The consumers are really interested in green financing even though its adoption is low, and the lack of information and marketing campaigns influence their decision to change their costumes. This study offers pragmatic recommendations for UNIBANCO to provide competitive green credit solutions, improve communication transparency, and utilize digital platforms for targeted engagement. These strategies seek to establish UNIBANCO as an essential player in sustainable finance, aligning its credit offerings with global sustainability objectives and customer demands.