Desenvolvimento de um sistema de criação e gestão de cartões virtuais para pagamento de portagens: estudo de caso Portagem da Revimo Matola Gare 2025

Abstract

This study addresses the challenges faced in Mozambique regarding the modernization of toll collection systems, which have traditionally relied on manual methods. This situation has resulted in long queues, significant waiting times, and a loss of operational efficiency, particularly at toll facilities managed by REVIMO in the city of Maputo. The identified problem relates to the inefficiency and risks associated with the currently used payment methods. Therefore, the main objective of this study was to develop a system for creating and managing virtual cards for toll payments. To achieve this goal, the following specific objectives were defined: to describe the current toll payment system; to identify the needs and expectations of REVIMO Matola Gare toll users; to design a system architecture that supports integration with digital payment technologies; and to propose a functional prototype of the virtual card system, including user interfaces for mobile applications. A mixed research methodology was adopted, combining qualitative and quantitative approaches. Techniques such as semi-structured interviews and open-ended questions conducted in Portuguese with toll operators, along with questionnaires distributed to users, were employed. Data obtained from interviews and surveys indicate that most users pass through tolls daily and express dissatisfaction with the waiting time, rigidity of payment methods, and lack of effective digital options. Although cash is still the dominant payment method (69.2%), it is associated with delays, insecurity, and inefficiency, highlighting the urgency of modernization. Despite 72.6% of respondents being familiar with digital technologies, only 34.7% actively use them due to a lack of practical integration in the current system. Both users and operators showed strong willingness to adopt virtual cards and mobile payments, provided that digital security measures and user training are implemented. The system prototype was developed using Flutter, Python, and MySQL, enabling integration with payment platforms such as M-Pesa and Visa. It offers features like QR code payments, balance management, and transaction tracking, standing out for its usability, speed, and sustainability. Despite limitations such as scalability and regulatory compliance, the results demonstrate that the solution is viable and aligned with current trends in innovation and digital inclusion. It is recommended to enhance security through technologies like blockchain and to design inclusive and accessible user interfaces.