Start Site Page 10

Polyglot and fluent in slang: delivery chatbot increases foodservice sales by 76%

A Natural Bot, a Brazilian startup specialized in artificial intelligence for the foodservice sector, is revolutionizing delivery service with CoPiloto, a sales assistant based on Generative AI that automates orders, interactions, and payments via WhatsApp.

Unlike traditional chatbots, CoPiloto understands texts, audios, regional slang, abbreviations, and foreign languages as diverse as Polish, for example. "If someone asks for a 'breja', they understand it as 'beer' and proceed with the service," exemplifies Rafael Coffani, founder and CEO of Natural Bot.

In this way, the Co-Pilot reduces virtual queues, optimizes service, and makes the shopping journey more accessible and smooth. For the consumer, this means less waiting and more convenience. For restaurants, more sales with financial predictability and operational efficiency, since technology also processes payments and automatically issues the service order.

With over R$2 million invested, the solution has already shown significant results: restaurants using CoPiloto have experienced an increase of up to 76% in conversion rates compared to conventional service systems. According to Coffani, the Co-Pilot solves one of the biggest bottlenecks in WhatsApp delivery: the limitation of human customer service. "Without automation, it is difficult to maintain a quality standard, scale sales, and offer a seamless experience," he states.

Delivery apps have dominated the foodservice sector in recent years, but dependence on these platforms has been causing dissatisfaction among entrepreneurs and restaurant owners. Intermediation fees, which can exceed 30% per order, combined with the loss of control over the customer base, have led restaurants to rethink their sales strategies. In this scenario, the use of WhatsApp with artificial intelligence as a direct and automated channel for customer service and sales gains strength.

"We are offering a new shopping experience for consumers and a scalable solution for restaurants. Our focus is to drive business sustainably. CoPiloto has everything to become the new standard in Brazilian delivery," concludes Coffani.

Natural Bot's goal is to reach 1,700 active accounts by the end of 2025 and surpass 15,000 by the end of 2026, establishing conversational AI as the new standard for customer service and sales in the foodservice industry.

How are companies preparing to combat fraud and protect consumers on Black Friday?

In 2025, Brazilian e-commerce is expected to set another record. But what comes along with this avalanche of orders and clicks is also concerning. We are talking about the increase in digital fraud.

The Brazilian Association of Electronic Commerce (ABComm) projects a revenue of R$ 224.7 billion for the sector this year, 10% more than in 2024. There will be around 435 million orders and 94 million consumers browsing, shopping, and (sometimes) taking risks on virtual storefronts. All of this in a market that has been growing uninterruptedly for eight years.

Dates like Cyber Monday, Father's Day, Christmas, and even continuous sale periods require, more than ever, prepared and secure platforms. The so-called "hot seasons" in retail make the year's final stretch not only a strategic warm-up for promotions but also for fraud attempts.

Black Friday is scheduled for November 28. And if, on one hand, promotions boost the digital economy, on the other hand, they also open the doors wide for scammers. But growth comes at a cost. And it's not just financial.

The 2024 edition has already shown signs of what to expect. According to ConfiNeotrust and ClearSale, only until noon on the Saturday following Black Friday were 17,800 fraud attempts recorded. Estimated value of blocked attempts? R$ 27.6 million. The average ticket for scams is impressive: R$ 1,550.66, more than triple the average value of a legitimate purchase.

And the preferred targets? Games, computing, and musical instruments.

Even with a 22% decrease in the total value of frauds compared to the previous year, experts are categorical: digital criminals remain active and more sophisticated.

Meanwhile, PIX is triggered. On the last Black Friday, transactions with the instant system jumped 120.7% in a single day. R$ 130 billion were moved, according to the Central Bank. A historic achievement. But which also worries.

More speed, more access, more immediacy, more vulnerabilities. And not all platforms are prepared for that. Slowness, instability, and security breaches become the perfect gateway for those on the other side—attentive and opportunistic fraudsters.

These flaws directly affect the user experience and the brands' reputation. A PwC study reveals that 55% of consumers would avoid purchasing from a company after a negative experience, and 8% would give up on a purchase after a single unfavorable incident.

"Digital security is not a final step. It is an ongoing process that begins before the first line of code," summarizes Wagner Elias, CEO of Conviso, an application security (AppSec) specialist.

To protect e-commerce software, the application security (AppSec) sector — which is expected to reach $25 billion by 2029, according to Mordor Intelligence — works to identify vulnerabilities before they become real problems.

The goal of AppSec is to identify security gaps before they are exploited by intruders. Elias compares it to building a house: "It's like constructing a house while already thinking about access points: you don't wait for someone to try to break in before installing locks or cameras. The idea is to anticipate risks and strengthen defenses from the start," explains Elias.

And the CEO warns that ideally, companies should constantly review their platforms to identify and fix potential security breaches, creating a continuous culture of protection. The fundamental is to offer a real guarantee for both the product and the consumer, strengthening trust in the platform and the entire purchasing process. And this is only possible with preparation that begins months before the date.

One of the solutions that can support e-commerce in this process is Site Blindado, now part of Conviso, an application security company and a reference in AppSec. The trust seal operates at different levels, serving everything from online stores that need basic protection to those requiring greater proof of authenticity, or even more rigorous certifications such as PCI-DSS, which is required for those handling credit card data.

Those who take security seriously reap results. Visa, for example, blocked 270% more frauds in 2024 compared to the same period last year. This was only possible thanks to a robust investment: over $11 billion in technology and security in the last five years.

The key? Artificial intelligence, machine learning, and real-time behavior analysis. Everything in milliseconds. Without bothering the actual consumer, who just wants to ensure the discount at checkout.

Prevention starts at the grassroots. But how to protect yourself? "The recommendations are clear and involve both companies and consumers," reinforces the CEO of Conviso.

Tips for companies:

  • Include security already in the system development phase;
  • Perform penetration tests (pentests) frequently;
  • Integrate protection tools into your DevOps without losing agility;
  • Train technology teams with a focus on good security practices;
  • Create a culture where safety is routine, not an exception.

And for the consumer who shops online:

  • Stay away from deals that are too good to be true;
  • Check if the website is trustworthy (https, security seals, CNPJ, etc.);
  • Prefer platforms and apps that are already well-known;
  • Avoid links received via email or social media — especially from strangers;
  • Enable two-factor authentication whenever possible.

"While consumers need to learn to recognize warning signs, companies have a duty to provide secure environments. It is the combination of the two that sustains trust in the platforms and keeps the market healthy," concludes Elias.

The era of false positives: when fraud prevention hinders legitimate sales

Imagine trying to buy a new cell phone, an international ticket, or a special gift — and having your transaction flagged as suspicious and blocked by a fraud prevention system, with no plausible explanation. This is the negative side of online shopping. Although these systems were designed to protect against fraud and ensure a satisfactory shopping experience, they can also cause frustration and losses.

With the exponential increase in data collection and sharing, the rapid digitization of systems, and increasingly sophisticated fraud tactics, the market has hardened its defenses. But this movement created a paradox: trying to protect too much is becoming costly — not only in revenue but also in reputation. This is what we call false positives, when a legitimate transaction is mistakenly identified as fraudulent.

The hidden cost of oversecurity

Modern fraudsters operate like companies: they are fast, organized, and fueled by large volumes of data. Techniques like "phishing as a service" simulate identities using leaked information and exploit behavioral vulnerabilities in systems. They no longer follow obvious patterns, making traditional models obsolete and forcing companies to seek more robust security layers.

While fraudsters innovate, many financial services and retail companies still rely on fixed rules to respond. It is a rigid and ineffective model — the shopping experience is compromised, conversion rates plummet, and customer loyalty is lost.

And the impact goes beyond: 32% of consumers who experience a false positive abandon the merchant forever. A single failure in the anti-fraud system can mean the permanent loss of revenue and reputation. According to Javelin Strategy & Research, these errors already cost US retailers $118 billion a year — 13 times more than the actual losses from fraud. The account doesn't add up.

The importance of real-time intelligence and behavioral analysis

To deal with this scenario, the new era of prevention requires intelligence, not excessive rigidity. This means using a combination of artificial intelligence (AI), real-time data, and behavioral analysis to make accurate decisions without compromising the user experience.

With algorithms that learn continuously, it is possible to understand individual patterns: location, time, device, purchase history, and payment method. Behavior speaks louder than any pre-programmed rule.

It's not just about saying "yes" or "no," but about interpreting the context. The same customer can buy something in São Paulo in the morning and in Rio de Janeiro at night. He can change his phone, switch browsers, or update the device's operating system. The anti-fraud system needs to understand this — and not block the transaction.

By applying machine learning techniques, companies can create models that learn from historical data and reduce false positives over time. The goal is to understand what is normal for each user and identify deviations — without relying solely on predefined rules. A MIT study with data from a European bank showed that this strategy reduced false positives by 54%, resulting in savings of approximately US$ 220,000.

The future of invisible authentication

The combination of AI and user profiles to provide more accurate recommendations — coupled with the use of data to balance security and conversion — opens doors to new technologies. One of them is the vector identifier: a solution capable of detecting fraud even when the attempt comes from devices with clean cookies or in anonymous mode. But legitimate users can also act this way.

And when both fraudsters and good users hide behind the same mask, how can they be distinguished? By combining vector data with the device's "digital fingerprint," the system can understand that user's typical behavior and better detect anomalies. This significantly increases accuracy, preventing unnecessary blocks without compromising security.

In this model, small variations are handled with contextual intelligence — used to detect anomalies based on the user's expected pattern. Subtle changes (such as a software update) do not trigger alerts, but significant changes (such as an operating system switch or a change in geolocation) may be flagged if they are outside the usual behavior. This is the new frontier of security: working behind the scenes, without friction. The best anti-fraud system is the one the customer doesn't even notice.

Security that drives sales, not the other way around

Companies tend to believe that it is better to decline some legitimate transactions, even if this slightly reduces conversion rates, than to face the consequences of fraud. But they don't need to adopt this stance if they have the right tools.

Therefore, adopting a fraud prevention solution that balances security and convenience is a real market necessity. Security and user experience do not have to be opposing forces — they should go hand in hand. For that, the secret lies in precision, not rigidity.

The era of false positives requires companies to invest in intelligent technologies, such as AI, behavioral analysis, and advanced fraud detection tools. These innovations reduce losses without sacrificing legitimate sales — and, most importantly, without alienating customers.

Security and customer experience are not opposites — when done well, they go hand in hand. Offering protection is mandatory. But doing so without compromising the experience is what truly makes a difference in today's increasingly competitive market.

By Thiago Bertacchini, Sales Director of Nethon

Brazilian startups automate the saving habit and expand access to financial education

In the most indebted country in Latin America, where 67% of the population has no financial reserves to handle unforeseen events, according to a Fiduc survey, Brazilian startups are beginning to transform the consumer's relationship with money. One of the initiatives gaining prominence is SmartSave, a fintech accelerated byStart Growththat automates the creation of emergency reservations based on rounding values in daily transactions.

The proposal is simple: with each purchase made by credit card, a predetermined amount set by the user is automatically invested in a kind of digital piggy bank. "We know that saving is difficult, especially in a country where more than half the population lives with tight income. SmartSave solves this by eliminating the need for conscious effort to save," he says.Marilucia Silva Pertile, CEO, co-founder of Start Growth and startup mentor.

With over a thousand people accessing the platform, the startup emerges as a practical solution to a structural problem. Datafolha data reinforces the concerning scenario: seven out of ten Brazilians have no amount set aside for emergencies. In this context, automated solutions become more relevant by democratizing access to investment, without requiring technical knowledge or large initial amounts.

The methodology is based on the concept of digital microeconomics. "It's a way to make money work in favor of the user without them having to radically change their habits," explains Marilucia. The fintech has already raised over R$1 million in investments and joins the Start Growth portfolio, which has been operating as a venture capital and accelerator of innovative businesses since 2014.

For the founder of Start Growth, the impact of solutions like this goes beyond the individual level. "Creating access to the financial reserve is not just a matter of personal discipline, but of economic justice. The more Brazilians have autonomy to face unforeseen events, the stronger the ecosystem of consumption, credit, and entrepreneurship will be," he evaluates.

With the app already operational, SmartSave provides integrations and features that allow the user to monitor, in real time, the progress of their savings and the diversification options for the stored amounts, as well as set personalized amounts to be saved automatically.

Segmentation and resale: Crossfit clothing brand earns R$ 24 million annually

Focusing on a targeted niche, building a solid community with loyal customers, more than 500 resellers, and migrating to a stable online retail platform led PWRD By Coffee, a clothing line specialized in CrossFit and specialty coffees, to achieve an annual revenue of R$ 24 million. In mid-year, in June 2024, after migrating to Nuvemshop Next, the solution for major brands of the leading e-commerce platform in Latin America, the monthly revenue increased by 40%. Only in March 2025, the brand sold more than R$ 1.2 million.

A strategy widely used by the brand is commerce through resellers: there are over 500 spread across Brazil and abroad, who also purchase the products through the online store. Even in March 2025, the average amount spent per purchase by this audience was over R$ 2,246.00; during the same period, the average for the general public was R$ 300.00. To solidify the partnership with resellers, the brand usually does not run promotions; when they do, like on Black Friday, they are a success: over R$ 725,000 in sales to the end consumer in November of last year.

"The switch to the platform was essential for us to establish ourselves with the end audience. Previously, sales conversion was low due to website infrastructure issues, and cart abandonment was very high. Today, not only do consumers benefit from an organized page, but so do our resellers, who suffered from the instability of other platforms," says Amanda Aliperti, co-founder and creative director of the brand.

Segmentation and influencer marketing

PWRD By Coffee was developed in 2017 by Amanda Aliperti. Your family owned the Inverno D’Itália coffee franchise. She was directly involved in the store operations and, as a mother of two children, she struggled with limited hours; then, the idea of working with online businesses came up.

"I was already involved in the coffee niche, so I made t-shirts with phrases related to the drink. I started talking to influencers so they could promote the brand, until one of them agreed, but on the condition that I do a trial CrossFit class with her. I did it, fell in love with the sport, and saw there a market with high demand – for clothing specifically for practicing a sport that is so popular," explains Amanda.

For Amanda, the good numbers of the store are mainly due to the brand's dedication to communicating with a specific niche. The choice of CrossFit, in addition to reflecting a personal passion, is a strategic decision to focus your efforts on a very close-knit community. "I practice the sport and am, at the same time, a mother and an entrepreneur; I don't have an idealized body, I do what I can with my time, and I choose to be a model for PWRD By Coffee's clothing precisely to create that connection with the audience – the vast majority are not athletes and do what they can too," emphasizes Amanda.

In addition to the points of contact with the public, who can access VIP channels for brand updates, PWRD By Coffee also has a very high product turnover: a new collection is launched every 40 days. On social media, the strategy is to boost content through partnerships and sponsorships with athletes and influencers.

On Instagram, the brand has over 100,000 followers, and with the arrival of TikTok Shop in Brazil, the goal is to expand to this channel as well. "With sales channels—including five physical stores—resellers, and crossfit industry events, we have managed to maintain a solid business, a reference in the crossfit industry. The goal now is to expand to more locations and continue growing," concludes Amanda.

AI in chat commerce: how algorithms drive sales conversions

With the advancement of technology in recent years, shopping online has never been so easy. According to data released by Mobile Time/Opinion Box, in 2024, WhatsApp has established itself as the main sales channel in Brazil, used by 70% of companies to market products and services. This is because AI and algorithms enhance chat commerce services, providing powerful insights for platforms to be more effective in converting users, with accurate and personalized information.

With great potential to transform operations, chat commerce services offer automated solutions for purchasing and business management, as explained by Gustavo Soares, COO and Partner ofExpress Box Office"Artificial intelligence has evolved in the B2B sector and has come to integrate operations involving customer service, payments, personalized consumer experience, logistics, and even catalogs within a single location," he states.

AI has various applications in the retail sector, potentially being the key to boosting online sales. Due to its ability to process large volumes of data and identify patterns, it has become increasingly common for organizations to use strategies and stand out in an extremely competitive market. "Algorithms can predict customer questions during service and even determine their preferences. This ensures that each consumer has a unique experience, without waiting hours for a response. Thus, customer satisfaction and connection are strengthened," adds Gustavo.

Furthermore, the ability to identify market trends accelerates companies' response times, allowing them to react to changes and make forecasts to prepare for new consumer demands. Based on the understanding of these needs, artificial intelligence can predict future sales by analyzing historical data, seasonality, and even external events. In this way, corporations make decisions that drive their growth.  

Artificial intelligence also assists in creating marketing content, providing powerful insights for relevant campaigns. The algorithms analyze the preferences of the target audience, enabling greater interaction and customer interest. "Technology can be a great ally in bringing the consumer closer, collecting information so that brands get to know them. This facilitates user loyalty and sales conversion. This could be the solution to stand out in an increasingly digital and competitive world," concludes the executive.

Shopee opens applications for trainee program

AShopee, a global e-commerce platform belonging to Sea Group, is open for registrations for its newtrainee program, theGraduate Development ProgramThe initiative will hire at least eight young professionals to work in São Paulo (SP), under the CLT regime and withhybrid work modelEligible candidates are those who have completed their undergraduate degree between December 2023 and December 2025 in various bachelor's and licentiate programs. Fluency in English is required.

The selection processes are conducted byInternship Company, a leader in recruiting and selecting interns, trainees, and young apprenticesand interested parties can register through the linkhttps://www.ciadeestagios.com.br/vagas/shopee/until the daySeptember 4th.

The benefitsoffered by the company include: Meal voucher, Food voucher, Mobility voucher or VT, Flex Benefit, Medical and dental assistance, Gym assistance: TotalPass + Wellhub, Flexible hours, Life insurance, Nursery assistance, Relaxation environments: game room, meditation room, TeleMedicine and TeleTherapy, TeleNutrition, Benefits for children: van reimbursement, school materials and uniforms, and Bonuses.

Among the areas of the company where future trainees will work are:

Credit:The credit team enables and drives innovation by offering a range of financial products and services for individuals and SMEs throughout the region.

Business development:The Business Development team connects Shopee to sellers, focusing on attracting, supporting, and growing them on the platform, strengthening relationships and boosting their businesses.

Marketing:The Marketing team boosts Shopee's visibility and strengthens relationships with users by leading market strategies and campaigns across various channels, from online to offline.

Operations:The Operations team ensures post-sales efficiency by managing payments, refunds, customer service, ad quality, and fraud control, as well as seeking continuous improvements in the user experience.

Logistics:The Logistics team optimizes the collection and delivery of products in Brazil, operating with its own structure and partners to ensure an agile, competitive, and comprehensive ecosystem, reaching every ZIP code in Brazil.

The duration of Shoppe's trainee program is up to two years, under the CLT employment regime.

Financial aid scholarshipcompatible with the market

Registration deadline: 04/09

Registration link: https://www.ciadeestagios.com.br/vagas/shopee/

Emotional diagnosis becomes a trump card for companies in the battle for Generation Z talent

Emotional health has ceased to be a peripheral topic and has become central to the talent attraction and retention strategies in Brazilian companies. A global Deloitte survey, released in 2024, shows that 76% of Generation Z professionals, born between 1995 and 2010, prioritize psychological well-being when choosing where to work. The same survey indicates that 46% of these young people suffer from frequent anxiety, and more than half believe that employers still do little for mental health.

In this scenario, the number of companies adopting structured emotional management solutions is increasing to create a healthier work environment and, at the same time, meet recent legal requirements. To achieve this goal, experts recommend continuous processes involving psychological and behavioral mapping, strategic feedback for leadership, individualized action plans, and mentoring focused on HR teams and managers.

ToJéssica Palin MartinsPsychologist specializing in organizational behavior, with over 15 years of experience in corporate culture and mental health, and founder of IntegraMente, a methodology that combines validated psychological tests with strategic action plans for leadership and HR teams. The perception of the work environment has changed, along with the criteria that attract and retain talent in companies. "Generation Z is not willing to accept toxic environments or inconsistent cultures," says the expert. "The new generations want authenticity, active listening, and consistency between speech and practice."

SecondJessicaMapping the emotional functioning of professionals is one of the most effective ways to reduce voluntary turnover and adjust leadership practices. Brazil ranks among the countries with the highest turnover rates in the world, according to data from LinkedIn and PwC.

In addition to addressing generational demands, these initiatives also align with new legal obligations. In April 2024, Law No. 14,831 was enacted, creating the Certificate of the Company Promoting Mental Health. Although the regulation is still underway, the standard already establishes criteria for recognizing organizations that implement effective actions aimed at employees' emotional well-being.

Another legal guideline came with Ordinance No. 1,419, published by the Ministry of Labor and Employment in August of the same year. The text updated the chapter on Occupational Risk Management of Regulatory Standard No. 1 (NR-1), including psychosocial factors among the risks that must be monitored, alongside physical, chemical, biological, and ergonomic agents.

"The ongoing transformation is not just normative, but cultural. We are shifting from a goal-oriented model to a relationship-based logic. Emotions have become a management criterion, and the sooner leadership understands this, the better the collective performance will be," says the psychologist.

The arrival of Generation Z in the labor market has led companies to reevaluate practices, structures, and organizational cultures. More than compensation or positions, these professionals prioritize purpose, emotional balance, and consistency between what the company communicates and what it actually delivers.

Companies that wish to attract this profile, according to the specialist, should be attentive to subtle signs of emotional disconnection, such as decreased engagement, silent evasion.quiet quitting) and high turnover in the first months. Emotional diagnosis, he affirms, is an essential tool to anticipate these patterns before they become structural problems.

Another crucial point is the role of leadership. Generation Z tends to reject authoritarian leadership and values managers who can communicate effectively, provide constructive feedback, and act transparently. Mentoring and continuous training processes, as well as training in empathetic communication, are considered strategic investments.

The changes do not only affect young people. The presence of Generation Z has also led to learning among the other team members. "They challenge the status quo, demand explanations, and call for consistency. This forces a revision of rigid processes and encourages a more horizontal environment," says Palin.

Emotionally supportive environments, open to difficult conversations, respecting individuality, and attentive to mental health, benefit professionals of all ages. The creation of internal listening channels, clear psychological support policies, and actions to prevent psychosocial risks are practices that need to be structured and institutionalized.

"Emotional support is not a symbolic gesture — it is a performance indicator," he/she/they affirm. Companies that do not understand this are doomed to lose the best professionals to competitors who adapted more quickly.

Attracting and retaining Generation Z professionals requires abandoning rigid hierarchical models, valuing emotional dialogue, and integrating structured psychological care practices into people management. The challenge is cultural — and when well managed, the results can be reflected in productivity, organizational climate, and brand reputation.

Seven guidelines to attract and retain Generation Z, according to Jéssica Palin:

  • Create an environment with psychological safety
    Promote a culture of active listening and trust, where employees can present ideas and perceptions with responsible freedom. Freedom of expression should be encouraged to generate solutions, without opening space for attitudes that confront or disrespect the organization's values.
  • Implement continuous emotional management processes
    Use psychological and behavioral mapping tools to identify risks, promote well-being, and guide strategic decisions. The diagnosis must be conducted with ethics, confidentiality, and institutional alignment.
  • Form empathetic and transparent leadership
    Invest in continuous training to develop leaders who can communicate effectively, provide constructive feedback, and stay aligned with the company's values.
  • Ensure alignment between speech and practice
    Avoid contradictions between what is communicated externally and what employees experience internally. Institutional coherence strengthens trust and engagement.
  • Adapt to the current legislation on mental health
    Meet the legal requirements established by Law No. 14,831/2024 and Ordinance No. 1,419/2024, focusing on the prevention of psychosocial risks.
  • Encourage exchange between generations
    Value the critical and innovative perspective of Generation Z as a catalyst for positive change. Intergenerational dialogue strengthens organizational culture.
  • Transform emotional care into institutional policy
    Establish permanent programs of emotional support, listening channels, and mentoring. The care must be monitored and linked to the company's strategic indicators.

Banks bet on smartphone signatures: is it worth it? 

If previously owning a top-of-the-line smartphone required a large upfront investment or long-term credit card installments, today banks are revolutionizing this purchasing model. What was simple financing has turned into comprehensive subscription programs, where for a fixed monthly fee you not only acquire the device but also gain a series of benefits that completely change the user experience.

The true revolution lies in the transformation of the concept of property. Banks realized that, for many consumers, what matters is not owning the device but enjoying all its features with maximum convenience and minimal worry. Therefore, subscription programs go far beyond mere installment plans: they are packages that include protection against theft, qualified theft, and damages, the possibility of periodic exchanges, and in some cases, even complete accessories included.

Careful analysis reveals impressive advantages. Imagine being able to swap your smartphone every 12 months for the latest model, without having to worry about selling the old device or negotiating discounts. It's also the peace of mind knowing that if the phone falls to the ground and the screen cracks, or if it is stolen, you'll have a new device within a few days, without significant additional costs. This combination of benefits creates a unique value proposition, especially for those who rely on their smartphone for work and personal life.

The phenomenon reflects a greater change in the consumption habits of digital society. Just as we shifted from buying CDs to streaming subscriptions, or from owning vehicles to sharing services, smartphones seem to be following the same path. Banks, always attentive to new market demands, were quick to identify the trend and turn it into sophisticated financial services. After all, it's good to have benefits beyond traditional banking products. This adds value to the relationship between the financial institution and the client.

For the consumer, the final decision should consider multiple factors: not only the financial aspect but also usage profile, the importance given to technology in daily life, and the appetite for new features. For those who frequently change devices and value peace of mind, these programs can be an excellent option. For those who keep the same device for several years and take meticulous care of their belongings, perhaps the traditional model still makes more sense.

Undoubtedly, subscription programs have arrived to stay and are likely to become increasingly sophisticated. As more banks enter this market, we can expect more flexible plans, with customized options and additional benefits. One thing is certain: the way we acquire and use our smartphones will never be the same again.

Father's Day: Want to boost online sales? CEO of Loja Integrada gives 5 tips to 'boost' on the date!

Father's Day is approaching, bringing with it one of the most important dates for the national retail sector. In e-commerce, the expectation is that revenue will exceed R$ 7 billion, with an average ticket estimated at over R$ 530, according to projections byBertholdo ConsultingThe movement reinforces the role of the date as one of the most important in the promotional calendar of the second semester — especially for digital retailers, who seek strategies to turn this demand into concrete results.

Thinking about this,Lucas Bacic, CEO of Loja Integrada, one of Brazil's main e-commerce platforms, gathered 5 practical tips for those who want to take advantage of the buildup to the date and boost sales effectively. The differential for 2025? Artificial intelligence.

  1. Anticipate your promotional actions

Consumer behavior has changed: today, the public researches, compares prices, and values simple and convenient shopping experiences. Creating a promotional campaign in the weeks leading up to the date, with gift kits and special conditions, can significantly increase the conversion rate. "Today, the customer researches, compares, and values simple shopping experiences. Starting early is essential to stand out," says Bacic.

  1. Use artificial intelligence to automate repetitive tasks

Loja Integrada has just launched Komea, a network of AI agents developed to help retailers register products, set up promotions, analyze sales, and recover abandoned carts — all with simple and conversational interactions. The application is in the testing phase, gradually made available to the platform's network of retailers. "Our goal is to empower small entrepreneurs with accessible and efficient technology, eliminating bottlenecks and giving them back time to focus on what really matters: selling more and better," highlights the CEO.

  1. Bet on the smart catalog to optimize the showcase

Those who sell through multiple channels (own store, marketplaces, and social networks) face the challenge of keeping information updated and attractive. With an intelligent catalog, it is possible to automate product registration and distribution, with AI-optimized descriptions, improving search engine ranking and increasing click-through rates.

  1. Recover sales with one click

Abandoned carts remain one of the biggest pains in e-commerce — and one of the biggest opportunities. The automatic sales recovery feature sends personalized messages to re-engage customers who did not complete the purchase. The process is fully automated and can represent a significant increase in revenue.

  1. Connect emotion and convenience in direct channels

Content with emotional appeal, such as stories about different forms of parenthood, has high potential for engagement on social media. Furthermore, WhatsApp remains one of the most efficient channels for direct sales. "Those who combine emotion with convenience can stand out and retain customers, even on busy dates," says Bacic.

New phase for e-commerce

With over 30,000 active stores selling daily, Loja Integrada is experiencing a new phase, heavily investing in artificial intelligence, automation, and operational efficiency. "We still offer everything an e-commerce platform needs. But we understand that the big leap now is in how the retailer interacts with these tools," concludes the CEO.

[elfsight_cookie_consent id="1"]