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AI analyzes customer interactions and provides data-driven insights, optimizing service.

Often, a call center is conditioned to receive calls, find solutions, note the reason, and move on to the next customer in line quickly. But, with only a few minutes of contact, it's difficult to obtain relevant information. What if there was a technology that turned these interactions into lessons for the future?

This technology already exists and goes beyond phone calls; any type of conversation between a customer and a company can be analyzed. Inclusively, it is not just the tone of voice that determines whether an experience was positive or negative, but rather the overall context of the communication. Factors such as regionalisms and cultural expressions play a fundamental role in this interpretation, as a person may sound agitated when commenting on an event without necessarily being dissatisfied or may use colloquial expressions without negative connotation.

With Generative Artificial Intelligence — that which not only automates tasks but also analyzes data and generates insights — companies can, in addition to solving specific issues, examine thousands of files and data, identify dissatisfaction patterns in conversations, anticipate needs, and help businesses improve the customer journey.

"The AI performs a detailed analysis of each interaction, something a human analyst, due to the volume of data, would not be able to do with the same scope and in the same amount of time. By identifying opportunities, even in the smallest conversations, the tool transforms these insights into actionable intelligence for the company," explains Carlos Sena, founder of theAIDA, a platform specialized in the use of Generative AI to transform interactions into actionable intelligence.

Brazil is already emerging as one of the global leaders in adopting this "branch" of AI: the country is among the top users of generative artificial intelligence worldwide, according to a survey commissioned by Google — 54% of respondents reported using the technology last year, compared to a global average of 48%.

Applied to customer service, generative AI can go beyond its traditional use, which involves chatbots and virtual assistants to automate contact. Because, even in automated interactions, the user experience is not always satisfactory. Therefore, more complex services — or even the client — still require human presence.

And it is in these cases that the not-so-obvious use of AI can be valuable: generative AI analyzes customer behavior in conversations with agents, identifies dissatisfaction patterns, and maps friction points, enabling continuous adjustments to make the journey more efficient. The data analysis performed by the tool helps brands understand bottlenecks and the points of greatest dissatisfaction in customer service, without having to "guess" anything. Thus, improvement decisions are better grounded and, consequently, more likely to have positive effects.

"More than just responding to user requests, Artificial Intelligence allows companies to turn each interaction into an opportunity to improve their services, ultimately creating a true source of information and going to the 'root of the problem' to solve it. Listening well, reflecting, analyzing, and organizing calls can be the difference between losing a customer or winning them forever. It may seem contradictory, but technology ends up being a great ally in making customer service more humanized," concludes Sena.

The role of whitelabel platforms and affiliate programs in the digital economy

In the digital economy, where the competition for attention and consumer conversion has become extremely fierce, brands have started to make the process of winning over the audience much more strategic. Among the most effective practices are the so-called affiliate programs, which have been widely used mainly to increase engagement and connection with the audience. Not by chance, about 40% of companies in the United States consider affiliate marketing their main customer acquisition tactic, according to data from the Backlinko platform.

This movement, driven by the ability to monetize content and generate revenue, has contributed to the digital development of both large corporations and small creators. The efficiency of this strategy is evidenced by robust numbers, in addition to the American preference: the average ROI rate observed in affiliate programs today is already calculated at an impressive 1,500%. It is therefore not surprising that the globally valued sector at $14.3 billion in 2023, according to a study released by Dustin Howes, is projected to reach $41 billion by 2030.

Within this rapidly expanding landscape, whitelabel platforms play a crucial role, providing technological solutions that enable the execution of affiliate programs in a quick and efficient manner. By combining technological flexibility and economic efficiency, these tools play a transformative role in the digital economy due to their ability to integrate affiliate programs into existing operations.

Furthermore, whitelabel platforms allow companies to customize externally developed products and services, tailoring them to their brands and audiences. This customization strengthens the brand's identity and facilitates the creation of exclusive experiences for the audience. On the industry side, such an approach reduces operational costs since it eliminates the need for significant investments in proprietary technology.

Thinking about digital marketing, where reach and conversion have become imperatives for brands, whitelabel platforms help democratize access to advanced tools. Today, thanks to this resource, companies of all sizes and sectors can explore such solutions to implement robust affiliate programs and promote partnerships with digital influencers. For creators, the expansion of this structure is also advantageous, allowing for independent and scalable monetization of content.

In an increasingly dynamic and challenging digital landscape, white-label platforms stand out as a key element for the success of affiliate programs and consumer conversion efforts. They offer companies the possibility to grow in a scalable, efficient manner aligned with consumer demands, while also contributing to the development of a more dynamic and accessible global market.

Retail sector loses R$31.7 billion per year due to lack of investment in IoT

The lack of investments in Internet of Things (IoT) technologies has caused significant losses in various sectors of the Brazilian economy. In retail, for example, the lack of automation and intelligent monitoring results in a billion-dollar loss. According to the Brazilian Association of Loss Prevention (Abrappe), in partnership with KPMG, the average loss rate in retail increased from 1.21% in 2021 to 1.48% in 2022, totaling a financial impact of R$ 31.7 billion per year.

These losses are attributed to operational breaks and inventory errors. The lack of adoption of advanced technologies, such as tracking sensors, radio frequency identification (RFID), and artificial intelligence, hampers inventory monitoring and the identification of operational risks, reducing efficiency and increasing company costs. However, companies that have already adopted technological solutions for loss prevention have recorded significant reductions in operational losses.

But retail is not the only sector impacted by low IoT adoption. Besides commerce, other areas of the economy fail to achieve significant gains due to the lack of digitalization and automation.

● Public Administration: Most government buildings and public bodies still operate with corrective maintenance, without sensors to control climate control and energy consumption, which results in wasted resources and high operating costs.

● Industry and Manufacturing: Despite the advances of Industry 4.0 in production lines, facilities management within factories is still outdated. Many industrial plants do not use sensors for predictive maintenance of building equipment, environmental monitoring, or automated climate control, impacting productivity and workplace safety.

● Transportation and Mobility: Subway, train and bus stations face challenges in adopting technologies to optimize cleaning and maintenance, which compromises the user experience and generates unnecessary operating costs.

The survey by the Brazilian Association of Facility Management, Property, and Workplace (ABRAFAC) highlights the advancement of digitalization in the hospital sector, where 52.7% of institutions already have alert and alarm systems for real-time process and equipment monitoring, and 57.1% use visualization panels for operational management. This progress has ensured greater safety and predictability in hospital infrastructure, reducing waste and improving the patient experience.

EVOLV, specialized in IoT solutions, has been one of the companies responsible for this transformation in Brazil. With cases in hospitals, industries, state-owned companies, and more than 25 airports, the company develops technologies that assist in the digitization and automation of building management, reducing costs and increasing operational efficiency. In retail, adopting these solutions can result in significant savings of 40% and an increase in the sector's competitiveness.

90 million old cell phones are forgotten in the homes of Brazilians

Is there an old phone working but not in use? This is a common situation in Brazil, where more than 90 million old devices remain stored in homes, according to Opinion Box research.The most recent study, released in 2024, reveals that 63% of Brazilians keep at least one old and functional cell phone stored at home.

Trocafone, specialized in buying and selling pre-owned smartphones in Brazil, bets on the program's growthTrocaFácil, which offers discounts of up to R$ 4,000 on the purchase of new devices through the exchange of old cell phones. The company emphasizes the importance of promoting the culture of reselling and donating these devices, which, in addition to contributing to sustainability, allows consumers to profit or pay less when purchasing a new cell phone.

How does it work?

Trocafone, a pioneer in the segment, handles the acquisition, processing, and sale of the devices. The process begins with a security assessment to verify the legal provenance of the received cell phones. Next, the devices go through reconditioning stages, which include functionality tests, replacement of defective components, software updates, and cleaning. The company has already sold between 800 and 1,000 units per day, totaling around 30,000 units sold per month.

One way to give a new purpose to an old cell phone is through trade-in programs offered by stores and brands at the time of purchasing a device. "Our trade-in model is a practical example of how consumers can reuse their old devices at the time of exchange. We know that new smartphone models will continue to emerge, as well as new needs, but there are ways to mitigate the environmental impact, especially regarding the improper disposal of electronic waste," says Flávio Peres, CEO of Trocafone.

In addition to exchange programs, it is possible to generate extra income by selling the device directly through Trocafone's channels, both via the online store and the company's kiosks. "The consumer selects the brand, model, and condition of the phone, receives an offer, and decides whether to proceed with the transaction. The difference is that there is no need to worry about delivery, as our team picks up the device from the customer's home or a designated location," explains Flávio.

"The process is secure and offers free shipping, with no need to leave home. That forgotten cell phone in the drawer can still be useful to someone else, promoting digital inclusion," concludes the CEO.

ABcripto launches initiative to strengthen the female voice in the crypto market

In celebration of Women's Month, ABcripto (Brazilian Association of Cryptoeconomics) announces the launch of the initiative "Blockchain Without Barriers: Women's Voice in Cryptoeconomics," a series of online meetings aimed at strengthening women's presence in the crypto sector. Starting on April 8th, the initiative takes place every Tuesday until May 20th, from 5 PM to 6 PM, bringing together industry experts to share knowledge and encourage women's participation in the world of cryptocurrencies and blockchain. Interested parties can register through the Sympla platform thislink.  

According to data from the Federal Revenue Service, as of July 2023, women represent 15% of people investing in cryptocurrencies in Brazil — but this scenario is changing. The crypto assets sector is growing exponentially, bringing new opportunities and demanding greater diversity. In this context, ABcripto aims to provide an accessible space for learning, experience exchange, and networking, strengthening women's engagement in the crypto economy sector.

"We want to expand the debate and create more opportunities for women in the crypto sector, which is still predominantly male. With this initiative, we aim to provide knowledge, open doors, and encourage female participation in this constantly evolving ecosystem," highlights Renata Mancini, Vice President of the ABcripto Board of Directors.

The meetings will be led by industry experts and will cover everything from basic concepts of the crypto universe to more advanced topics such as digital security and decentralized finance (DeFi). Over seven modules, topics such as asset protection, investment strategies, buying and storing cryptocurrencies, as well as guidance on how to avoid scams and frauds will be explored. There will also be a module dedicated to women's participation in the crypto market, highlighting network building and the enhancement of results.

ABcripto reaffirms its commitment to spreading knowledge and encouraging female presence in the crypto universe. The initiative aims to democratize access to essential information about blockchain, digital assets, regulation, and security, empowering more women to explore the opportunities in this growing sector. In addition to the educational content, the program provides a networking environment, fostering enriching exchanges between participants and experts.  

Participants who attend at least 80% of the program will receive a certificate, adding value to their training and expanding their opportunities in the crypto assets market.

Service 

Blockchain without Barriers: The Female Voice in Cryptoeconomics 

Data:April 8 to May 20 (every Tuesday)

Time:5 PM to 6 PM

Formato: Online and free

Enrollment:Available on the ABcripto website –https://abcripto.com.br/  

CertificationFor participants with at least 80% attendance

Energia: o desafio dos data centers na era da Inteligência Artificial

The rise of Artificial Intelligence (AI) is transforming industries and increasing dependence on data centers. The intensive use of computational resources by AI is generating high energy consumption to operate servers and maintain cooling in these spaces, highlighting the need to adopt resilient, efficient, and sustainable energy solutions to ensure a clean, stable, and uninterrupted supply.

For this reason, AI drives the expansion and modernization of data centers worldwide. According to a Goldman Sachs report, the demand for energy in these centers is projected to grow by 165% by 2030, driven by AI. The occupancy rate of data centers (currently 85%) is expected to rise to 95% by the end of 2026. Furthermore, AI is expected to account for about 27% of energy demand by 2027, compared to 14% today.

Although recent developments have shown a reduced energy requirement for training and operating models, the energy impact of AI remains significant. In this scenario, data centers need to invest in an infrastructure that ensures power quality without failures. And the solution to this is in the UPS, which supports businesses by providing energy reliability, reducing the risks of interruptions that could lead to AI system failures, data loss, and significant financial losses.

The UPSs provide greater flexibility and operational efficiency by functioning as true intelligent energy management hubs. Developed with cutting-edge technologies and designed for long-lasting performance, UPSs optimize power distribution and reduce waste in data centers. They enable centers to scale their operations as needed, without losing power and achieving complete stability and predictability. With UPSs, companies can focus on their business while becoming more sustainable, monitoring the health of the electrical grid and adjusting power distribution according to workload.

Technological advancement and the growing use of AI have made energy a central factor in data center competitiveness. However, this revolution will only be sustainable if it is properly fueled. For companies managing these environments, the issue goes beyond ensuring continuous availability, making it imperative to also rethink how energy is managed to avoid waste, mitigate environmental impacts, and maintain a competitive advantage in the long term.

Investing in robust systems, such as state-of-the-art UPSs, along with smart energy generation strategies focused on renewable sources, is essential for these centers to be the foundational infrastructure that supports innovation and the security of AI initiatives. Thus, with the digital revolution running alongside the energy revolution in business, data centers can move towards a responsible, sustainable, and innovative future.

CRM guide helps companies communicate with customers via WhatsApp

A customer relationship management system, more commonly known by the acronym CRM in digital marketing, is a technology that gathers relevant information about potential leads and active customers of a company.

Currently, one of the main ways to use CRM for sales is through integration with WhatsApp Business. According to RD Station, this type of extensionit recently recorded a growth of 90%.

In this scenario, Kommo, a specialist in CRM for messaging, produced a guide to assist companies in communicating with clients via WhatsApp.

WhatsApp is the main communication channel in Brazil

Currently, data indicates that 99% of mobile devices in use in Brazil have WhatsApp installed. The platform's intuitive interface contributed to its widespread adoption in the country.

With great reach potential, WhatsApp has gained prominence as an essential tool for marketing strategies, increasing the demand for CRM solutions focused on sales within the app.

What is CRM for WhatsApp and how does it work?

The WhatsApp CRM is an integration that centralizes all interactions between companies and users, whether leads or loyal customers, in a single management dashboard.

Although the WhatsApp Business API offers advanced features, it does not have its own interface. Therefore, the use of a CRM is essential, especially for medium and large companies that need to manage a large volume of interactions.

Generally, this integration is carried out by a third-party company responsible for developing the platform. With this, WhatsApp can be used in a more professional manner, facilitating the management of business activities.

Support is essential in choosing a CRM

When selecting aCRM for WhatsAppThe support offered by the platform is an essential factor. Efficient service ensures quick and accurate responses for users, improving the customer experience.

Furthermore, an effective CRM enables personalized service based on previous interactions, as well as allows tracking the conversation history and sending various types of media, such as images, videos, and documents.

Kommo is an alternative to integrate WhatsApp with CRM

Among the available options on the market, Kommo stands out as one of Meta's official partners, offering advanced features to optimize sales through WhatsApp, such as:

  • Lead Generation via WhatsAppThe platform provides links, QR codes, widgets, and customized forms to facilitate direct contact with clients.
  • Unified InboxCentralizes messages from different channels, such as WhatsApp, social media, and email, making management easier and customer service more efficient.
  • Message Transmission on WhatsAppAllows targeted sending of promotions and communications to different customer groups, using ready-made templates for strategic campaigns.
  • Chatbot for Engagement AutomationPersonalized chatbots ensure automatic responses and agile interactions, respecting the user's choice to receive or not promotional messages.
  • Performance Analysis PanelMonitoring essential metrics, such as response time and sales volume, providing insights to optimize strategies.
  • Sales Funnelstructure the customer journey, organizing leads into different stages to facilitate conversion.
  • Lead ManagementStores and analyzes strategic information to increase the conversion rate.
  • Personalized ServiceIt enables the linking of multiple WhatsApp numbers to a single account, allowing various team members to interact with clients in a personalized manner.
  • Customized Message ModelsPre-configured responses streamline communication and ensure compliance with WhatsApp Business guidelines.
  • Task AutomationAutomated tools optimize repetitive processes, such as sending proposals and documents, increasing productivity.

How to integrate WhatsApp with a CRM?

The integration process may vary depending on the provider. In the case of Kommo, there are two main options:

  • WhatsApp LiteFree version aimed at small businesses, which connects WhatsApp Business to the CRM via a QR Code.
  • WhatsApp Cloud APIThe most advanced alternative, recommended by Meta for medium and large companies, replacing the WhatsApp Business API to ensure scalable customer management.

In an increasingly dynamic business environment, investing in solutions that make communication with customers faster and more efficient is essential for the success of digital marketing strategies.

Bitso Business creates new company Juno and launches stablecoin MXNB to facilitate payments in Latin America

Business Name- Bitso's B2B segment, which provides infrastructure for efficient and transparent cross-border payments – announced today the creation of theJuno, your subsidiary dedicated to the issuance and management of virtual assets. As its first release, Juno announces thetoken MXNBon the Arbitrum network, astablecoinlinked to the value of the Mexican peso, with a 1:1 parity guaranteed by fiduciary reserves. Due to its high security, scalability, speed, and growing ecosystem in Latin America, theArbitrumIt is the underlying blockchain and the initial network where the growth of MXNB will be driven.

The sector ofstablecoinsgrowing rapidly, reaching a capitalization exceeding230 billion dollarsIn March 2025, and moving trillions in transaction volume annually. The market expectation is that thestablecoinsfurther improve the financial infrastructure, whose innovation process regarding fiat currencies has been slow, in areas such as payments and international transfers.A recent study by Bitso Business, conducted by PCMI, revealed that blockchain technology and thestablecoinsThey are becoming the preferred method for global transfers, due to their ability to eliminate intermediaries, cut costs, and increase transaction speed.

In light of this promising scenario and the growing number of related projectsstablecoinsIn development, Bitso Business recently appointed Ben Reid as the new Head ofStablecoinsHe will lead the company's strategy to accelerate the global adoption of these assets in emerging markets, providing businesses and consumers with greater efficiency in payments, financial inclusion, and expanded access to financial markets.

Global companies face significant monetary challenges in serving clients in new markets and making cross-border payments, such as high costs and inefficient transaction times. As stablecoinsThey offer a quick, cost-effective, and transparent alternative linked to a fiat currency, and have been essential in expanding access to foreign markets and transforming payments worldwide. MXNB enables global companies to do business in Latin America more efficiently, and Juno will be a key player in the issuance and exchange of digital tokens, helping to drive opportunities in the region," said Ben Reid, Head ofStablecoinsfrom Bitso Business.

To drive the distribution and growth of MXNB in a vibrant and influential ecosystem, with active projects in payments, remittances, wealth management, DeFi, and gaming, among others, Juno has partnered with Arbitrum, one of the most adopted Layer 2 (L2) scalability solutions on Ethereum. This technology was designed to increase transaction speed and reduce costs while maintaining the security and decentralization of Ethereum.

"Working together with Bitso Business and Juno with MXNB allows Arbitrum to participate in a highly significant project for the cross-border digital payments industry," said Austin Ballard, Partnerships Manager at Offchain Labs. The choice of Arbitrum as the native blockchain for the implementation of MXNB leverages the expertise and capabilities of the Arbitrum ecosystem in Mexico and other markets, as well as connecting to established developer communities in Latin America and a network of partners in financial services and fintechs. This will drive the development of products for this token in a region where local and global companies are eager for solutions like this.

As part of the Bitso group, Juno will operate independently to manage operations ofstablecoins, including MXNB, ensuring adherence to the highest standards of segregated custody, management, and transparency for funds in both fiat currencies and cryptocurrencies.

MXNB combines the advantages of blockchain technology—such as transparency, transaction speed, and global accessibility—with stability ensured by rigorous operational control mechanisms. It is fully backed by the equivalent value in Mexican pesos, and the reserves are regularly audited by third parties to ensure transparency and trust.

stablecoinMXNB will address various institutional use cases, including:

  • Cross-border paymentsWith MXNB, companies will be able to convert funds among othersstablecoinslinked to your local currency. Juno allows companies to convertstablecoinslast read in dollars to MXNB, so they can perform quick transfers of funds to other institutions, either through cryptocurrency transfers or Mexican pesos, facilitated by the SPEI system.
  • Fintechs and digital walletsInfrastructure that expands market access for foreign and local entities through digital assets, opening opportunities for regional expansion at reduced costs.
  • Digital paymentsPayment service providers can expand their offerings by integrating MXNB into their solutions, enabling faster settlements and lower transaction fees for individuals and merchants.
  • Money transfer companiesRemittance companies can use MXNB to make faster payments with lower costs to recipients.

To facilitate corporate access to MXNB, Juno developed the Juno Mint Platform, which offers browser-based operation, as well as a complete set of APIs. These tools enable clients to access services such as token issuance and redemption, sending and receiving fiat currency payments to MXNB through local payment infrastructures and conversions betweenstablecoins.

Increased ANPD oversight puts companies on the spot

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Even after so many years since the implementation of the General Data Protection Law (LGPD) in Brazil, many companies continue to violate the regulation. The LGPD, which came into effect in September 2020, was created with the aim of protecting the personal data of Brazilian citizens, establishing clear rules on how companies should collect, store, and process this information. However, despite the elapsed time, many companies have made little progress in implementing the standard.

Recently, the National Data Protection Authority (ANPD) has intensified oversight of companies that do not have a Data Protection Officer (DPO). The lack of a DPO is one of the main violations identified, as this professional is essential to ensure that the company complies with the LGPD. The DPO acts as an intermediary between the company, data subjects, and the ANPD, being responsible for monitoring compliance with data protection policies and guiding the organization on best practices.

And these data may be just the "tip of the iceberg". In reality, no one knows the number of companies that have not yet adopted the standard. There is no single official survey that consolidates the exact numbers of all companies not compliant with LGPD. Independent research indicates that, in general, the percentage may vary between 60% and 70% of Brazilian companies, especially among small and medium-sized enterprises. In the case of the large ones, the number is even higher, reaching up to 80%.  

Why the lack of a DPO makes a difference

In 2024, Brazil likely surpassed 700 million cybercriminal attacks. It is estimated that nearly 1,400 scams occur per minute, and of course, companies are the main targets of criminals. Crimes like ransomware – in which data often becomes "hostage" and, to prevent it from being published online, companies have to pay a huge sum of money – have become commonplace. But how long will the system – the victims and the insurers – endure such a volume of attacks?

There is no way to answer this question appropriately, especially when the victims themselves fail to take the necessary actions to protect the information. The lack of a professional focused on data protection or, in some situations, when the supposed person responsible for the area accumulates so many functions that they cannot perform this activity satisfactorily, worsens this situation even more.  

Of course, appointing a person in charge alone does not solve all compliance challenges, but it shows that the company is committed to establishing a set of practices consistent with the LGPD. However, this lack of prioritization not only reflects in the possibility of sanctions but also in real security incident risks, which will cause considerable damage. The fines imposed by the ANPD are only part of the problem, as intangible losses, such as market trust, can be even more painful. In this context, more intense oversight is seen as a necessary action to strengthen compliance mechanisms and encourage organizations to prioritize the privacy of data subjects.  

Hire a DPO or outsource?

Hiring a full-time DPO can be a complicated task, as there is not always the demand or interest in allocating internal resources for this need.

In this sense, outsourcing has been pointed out as a solution for companies that want to comply with the legislation effectively but do not have a large structure or resources to maintain a multidisciplinary team focused on data protection. When resorting to a specialized service provider, the company gains access to professionals with more experience in handling LGPD requirements across different market sectors. Furthermore, with an external responsible party, the company begins to see data protection as an integral part of its strategy, rather than a one-time issue that only receives attention when a notification arrives or when a leak occurs.  

This contributes to the creation of robust processes without the need for a substantial investment in recruitment, training, and talent retention. The outsourcing of the data officer goes beyond simply appointing an external person. The provider typically offers ongoing consulting, performing risk mapping and analysis activities, assisting in the development of internal policies, conducting training for teams, and monitoring the evolution of legislation and ANPD regulations.  

Additionally, there is the advantage of having a team with practical experience, which reduces the learning curve and helps prevent incidents that could result in fines or damage to reputation.  

How far does the outsourced DPO's responsibility go?

It is important to emphasize that outsourcing does not exempt the organization from its legal responsibilities. The idea is that the company maintains its commitment to ensuring the security of the data it collects and processes, as Brazilian legislation makes it clear that responsibility for incidents does not fall solely on the data controller, but on the institution as a whole.

What outsourcing does is provide specialized support that understands the necessary steps to keep the organization in line with the LGPD. The practice of delegating this type of task to an external partner is already adopted in other countries, where data protection has become a critical point of risk management and corporate governance. The European Union, for example, with the General Data Protection Regulation, requires many companies to appoint a data protection officer. There, several companies opted for outsourcing the service by hiring specialized consulting firms, bringing theexpertise for "inside the house," without needing to create an entire department for it.  

The person in charge, according to legislation, must have autonomy to report failures and propose improvements, and international guidelines suggest that the professional should be free from internal pressures that limit their oversight capacity. Consulting firms that offer this service develop contracts and work methodologies that ensure this type of independence, maintaining transparent communication with managers and establishing clear governance criteria.  

This mechanism protects both the company and the professional themselves, who need the freedom to report vulnerabilities even if it goes against established practices within a certain sector or department.  

The intensification of ANPD's oversight is a sign that the tolerance landscape is giving way to a firmer stance, and those who choose not to address this issue now may face heavier consequences in the not-too-distant future.  

For companies seeking a safer path, outsourcing is a choice capable of balancing cost, efficiency, and reliability. With this type of partnership, it is possible to address gaps in the internal environment and establish a compliance routine that will protect the company from sanctions as well as risks associated with lack of transparency and security regarding the personal data under its responsibility.

WhatsApp and the New Era of Artificial Intelligence

In 2020, during an interview, I stated: "Those who didn't prepare for WhatsApp missed out." At that moment, it was already evident that the app would become indispensable in the daily lives of Brazilians, given that the average daily usage time of the app was approaching one and a half hours. Today, this prediction has come true: WhatsApp is not just a means of communication, but a hybrid space that blends personal and professional interactions. This fusion of personal life and work reflects a unique behavior of the Brazilian market, creating an ideal environment for financial innovation.

We are among the largest app markets in the world, alongside India and Indonesia. WhatsApp has already become an essential technology for millions of Brazilians. More than a messaging app, it has become a daily operating system where deals are closed, customers are served, and transactions happen. That's why I believe an intelligent financial assistant should be exactly where people already are.

We are experiencing a unique moment in the financial sector. We are witnessing an era shift, where artificial intelligence (AI) is no longer a distant promise but a practical and accessible tool capable of transforming the way we manage our finances.

Over the past decades, we have witnessed several technological transformations: the internet era (1995-2000), the cloud computing era, the mobile era, and now, the AI era. In the transition from the mobile era, where usability and design prevailed, to the AI era, we are shifting from a model focused solely on user experience to one also centered on task execution. Google was a pioneer in integrating machine learning into its searches, but OpenAI revolutionized it by transforming "search" into "answer".

The way we interact with financial services is changing. Traditional banks still impose bureaucracies and lengthy processes. Fintechs brought innovation, but many maintain monetization models that don't make sense for small entrepreneurs, with fees, monthly subscriptions, and an excess of features that end up being underutilized.

What entrepreneurs really need is not a solution filled with technical features, but an intuitive, efficient, and, above all, accessible service. Instead of navigating through complex menus or filling out multiple forms, a user should resolve their financial need through a simple voice command or text message.the.

The next evolution of conversational platforms in the financial sector is not limited to automation of customer service, but rather to the creation of continuous and integrated experiences. This means that a user can start a transaction in a messaging app, continue in the browser, and complete the operation on another device without losing the interaction flow.

This omnichannel connectivity, combined with AI, will make the experience smoother and more efficient, allowing entrepreneurs and consumers to save time, eliminate bureaucracy, and reduce operational costs.

The growth of conversational platforms in the financial sector demonstrates that the future will belong to solutions that reduce complexity, optimize processes, and leverage technology to work in favor of users. The trend is clear: money and financial services will become increasingly accessible within the communication platforms that are already part of people's daily lives.

As new technologies emerge, the expectation is that these solutions will not be limited to banking operations alone but will integrate payments, financial analysis, credit granting, and investments in a simple and efficient manner.

Traditional banks will need to reinvent themselves. Fintechs that do not prioritize intuitive experience will lose ground. True innovation will be in solutions that truly empower the user, making finance more accessible, agile, and connected to the real world.

The future has already begun – and it will be conversational.

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