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Cross-border payments are expected to reach US$ 50 trillion by 2032

The market ofB2B cross-border payments, also known ascross-border, is growing: in 2024, it moved US$ 31.6 trillion, and by 2032, the projection from FXC Intelligence research platform is that it will grow to US$ 50 trillion. This amount includes transactions from companies of different sectors and sizes, involving both goods and services.

With the new global remote work models, cross-country hiring has also involved different currencies in salary payments. This niche, offreelancers and contractors who receive payments from foreign companiesIt is one that drives international B2C payments, which shouldreach US$ 4.4 trillion by 2032(131% growth compared to 2024), according to the survey.

When the scenario involves salary and receipt of payments, it is certain that smooth and cost-effective experiences will be a necessity for professionals, who are also consumers.

People no longer want lengthy and expensive experiences; they want to move their money freely and without costs, but still backed by secure banking systems. A resource that enables this are thestablecoins, that enable thisboomof digital financial solutions," explains Teymour H. Farman-Farmaian, CEO and co-founder of theHiglobeFintech for Brazilian professionals who receive dollars from international companies.

This digitization of solutions has replaced well-known models, such as SWIFT and traditional banks. Therefore, models that bring speed and low cost, such as ACH transfers to accounts in the USA and blockchain-based infrastructures and stablecoins, are emerging strongly.

A stablecoin is a digital currency with value pegged to a common currency, such as the real or the dollar. It is backed by reserves equivalent in secure assets, such as cash or government bonds, on a 1:1 basis. Storing stablecoins in digital wallets allows for quick and secure sending and receiving of funds, including between countries. Fintechs like Higlobe use this technology to facilitate international payments.

We managed to offer a more alternative economic, safe, and fast Regarding the traditional system: our client has a cost of only 0.3% to convert their salary from dollars to reais. We serve the fastest-growing sectors in the cross-border payments market, with Brazilian professionals and SMEs being our main audience. We have high expectations until the end of the year, as we are growing organically at 20% per month," comments the fintech CEO, who also serves Argentina, Mexico, and the Philippines.

In addition to its financial importance in this ecosystem, Brazil also has a good professional reputation. Deel's report shows that in 2024, the hiring of Brazilians by foreign companies increased by 53%, making it the 5th country with the highest number of hires. The United States, Switzerland, and the United Kingdom lead among those seeking talents from Brazil.

"Remote work is a major enabler, and Brazilian labor is highly valued abroad for all the technical knowledge, language skills, soft skills, and other abilities. The growth of these cross-border payments, as well as global remote work, opens doors to this huge market, more disruptive in technology, professional opportunities, and economy through transactions," adds Teymour.

Companies reduce costs and gain agility with on-demand logistics

The logistics operation of companies has never been so pressured byagility, economy, and adaptabilityAmid the rise of e-commerce and the constant fluctuations in demand, the traditional storage model gives way to anew strategy: on-demand logistics. AFlexible occupancy of logistics centers has become an efficient alternativefor businesses of all sizes.

With the consolidation of digital commerce, the growth of D2C (direct-to-consumer) brands, and the increasingly unpredictable variations in consumption,companies began to seek more agile and cost-effective models. It is in this context that on-demand logistics, based on flexible space occupation and services, has been gaining ground.

Today, many companies do not want or cannot maintain a rigid structure. The possibility of occupying more or less area according to seasonalityIt is essential to balance costs and operational performance.", explains Allan Luz, co-owner of the Alphacentro logistics center, located in São Paulo.

According to him, flexibility has ceased to be a convenience and has become a competitiveness strategy.Companies from the South, Northeast, and even the interior of São Paulo can operate in the capital and metropolitan region without needing to open a conventional physical branch. They can use the infrastructure only for the necessary time, with remote billing or even with a local CNPJ, depending on the commercial strategy., affirms Luz.

Besides the financial aspect, on-demand logistics also responds to a new business logic:less own infrastructure, more sharing and quick adaptation to the market.The trend follows movements already established in other areas, such as coworking spaces or subscription service models.

Flexibility also benefits small and medium-sized businesses, which historically face difficulties competing with large retailers in delivery speed. Specialists point out that the model is expected to expand in the coming years, driven by the digitization of the supply chain and changes in consumer behavior.

Daniel dos Reis is the new commercial director of Dinamize

Dinamize, a leading platform in marketing automation and CRM, announced Daniel dos Reis as the new commercial director. The executive has been with the company since 2009 and has built a solid career in the sales department over this period, directly contributing to the company's expansion in different regions of the country.

With over 20 years of experience in the industry, Daniel is recognized for his strong expertise in prospecting, managing large accounts, and growth strategies. Graduated in Business Administration from Mackenzie Presbyterian University, he worked at Buscapé, where he served as a senior account manager responsible for customer loyalty and retention.premium.

At Dinamize, he held senior positions in the sales team and established himself as one of the company's leaders. In addition to executive roles, he has become a regular presence at major industry events, being recognized as a speaker and a reference in CRM strategies and marketing automation with a focus on results. Your work combines technology, human behavior, and neuroscience to scale sales.

"Dinamize is part of my story. Taking on the commercial director role is an honor and, above all, a commitment to the growth of our clients and partners. We will continue to grow with strategy, technology, and proximity," says the new director.

More than half of influencers earn less than a minimum wage, research shows

The global influencer marketing market is booming—valued at around $250 billion in 2023—but this optimistic outlook contrasts with the reality for many creators: according to NeoReach's report, 50.71% of influencers earn less than the minimum wage in the United States.

The study, which interviewed over 3,000 content creators, shows an increase in the percentage of influencers earning less than $15,000 per year (the annual minimum wage in the United States), from 48.10% in 2023 to 50.71% in 2025. This trend remains even among experienced influencers, with many interviewees having four or more years in the industry. Only 15.41% earn more than $100,000 a year.

For Fabio Gonçalves, director of Brazilian and North American talents at Viral Nation, with over ten years of experience in the influencer market, these numbers reveal a structural reality: "The idea of living exclusively from digital content is still distant for most creators. Many strive to build an audience but face clear limitations in monetization. The lack of consistent sponsorships, saturated markets, and absence of strategic guidance cause many to remain stuck with very low earnings."

Besides the financial issue, another obstacle hindering the maturity of the creator market in Brazil is the relationship between influencers and agencies. According to the expert, there is still a somewhat unprofessional dynamic on both sides; while many creators still do not treat their work with the necessary seriousness, agencies also fail by imposing unrealistic deadlines and disappearing after the requests.

"The influencer Lela Brandão, for example, reported on her podcast how she deals with 'unimportant urgencies.' Budgets requested within a few hours that go unanswered for weeks. This has happened several times, including the agency simply disappearing and ending up frustrating our expectations and those of our clients. This lack of alignment shows that, before talking about financial appreciation, the sector needs to advance in maturity and mutual respect," she emphasizes.

Furthermore, he notes that more than followers, the current differentiator is the ability to negotiate and structure partnerships that reflect real value, both for the audience and for creators: "Influencers who treat their activity as a business — with clear positioning, well-defined commercial proposals, and performance data — are more likely to break through this ceiling. Without this, it is difficult to grow beyond the barrier that limits many to values incompatible with today's digital economy."

Fabio highlights the fundamental role of agencies in this challenging scenario: "In the creator market, supporting talents goes beyond connecting with brands. At Viral Nation, we work on career planning, structural pricing, negotiation, and even financial education. Our goal is for creators not only to reach but to surpass the monetization barrier, building a solid and scalable income base."

METHODOLOGY

The "Creator Earnings Report 2025," published by NeoReach, was based on data collected from over 3,000 content creators in the United States, ranging from part-time beginners to full-time veterans who have turned their platforms into businesses. The research analyzed annual income, sources of revenue, professional background, and barriers to economic growth within the influence market.The full research can be accessed at:https://neoreach.com/quarterly-reports/creator-earnings-report-2025/.

With Paola Carosella, 99Food launches a campaign that values the freedom of choice in delivery

99Food announces a major partnership and introduces Paola Carosella as its new ambassador. A chef, who has built her own career over more than 30 years in the gastronomy sector, always seeking to undertake with purpose, joins 99Food to bring restaurant owners across Brazil this vision that emphasizes the importance of having real and fair alternatives to make their business thrive. The partnership strengthens the app's commitment to a more balanced market, offering concrete advantages for those who work in gastronomy every day.

Chef, entrepreneur, and one of the most prominent names in the country's gastronomy, Paola built a successful career leading renowned restaurants such as Arturito and La Guapa, in addition to participating for many years in the MasterChef program. Her background makes her the ideal voice to speak directly to those who know the industry best: restaurant owners.

By adopting practices that benefit restaurants, delivery drivers, and consumers, 99Food is revolutionizing the food delivery sector in Brazil. After Goiânia, the app will offer restaurants in São Paulo one year of commission and monthly fee exemption, ensuring minimum earnings of R$250 for partner delivery people who complete 20 services (including 5 food deliveries) and providing consumers with the most competitive prices in the market.

The campaign, launching on 07/28, will feature films and spots on TV, digital, and radio (check out the video here:https://youtu.be/hfrhMbWAXgk?si=JUl1CQgFJ4NHh2ad). 

Technical Sheet

Marketing: Ana Verroni, Raphael Dias, Karinna Reis, and Arthur Cavallo.

Creative Studio 99Rafael Guaranha, Giovanna Vitulli, Adriana Boghosian, Thiago Grossmann, Brigida Oliveira, Flora Marchesan, and Julia Rocha.

Media:Melina Ferretti, Julia Mashki.

AgencyCP+B – Crispin Porter & Bogusky Brazil

CCOAndré Kassu

VP of Strategy and DataRenata Serafim

VP of Customer Service and New Business Development:Wilson Negrini

VP of Media and DataMarcela Ferreira

Creative DirectionRafael Guth

Creation:André Ueno, Phylippe Moura, Nadine Guassaloca, André Birches, and Rodrigo Soares

Integrated productionFabíola Thomal, Roberta Acerbi, Douglas Covino, Marcelo Tomioka, and Ricardo Sanches

Service:Thiago Barboza, Jaqueline Camargo, Juliana Marek and Maria Beatriz Rodrigues

Media:Bruno Froes, Isabelle Bonfim, Ana Toccolini, Monique Santos, Gianluca Petracco

ProjectsHenrique Salvadori and Camila Cotrim

IMAGE PRODUCTION

Produtora: Sweet Films

Executive Production:Brunno Papa

Liner Producer:Ana Haertel

Producer:Nathalia Cardoso

Direction:Thiago Eva

Director of Photography:Roberto Ribeiro Júnior

1st Executive Assistant:Débora Yazbek

1st Camera Assistant:Naiara Carrasco Arinelli

Production Management:Thiago Freire

ProductionJuliana Furtuoso

Production AssistantPriscila Pina

Som Direto:Jade Nogueira Martins

Figurinista: Priscila Natassia Bedetti

Maquiadora: Jess Monge

Post-Production CoordinationLucas Miranda

Finalization AssistantPedro Ramos

Montagem: Rafael Mesquiara

Finalizador: Lucas Miranda

Motion Graphics / Composition:Pedro Gebara

Colorista:Ian Pasqualino

CELEBRITY

Apresentadora: Paola Carosella

Customer serviceKate Soares

Audio Production

Sound Producer:A-Gandaia

CEO: Pedro Turra

COO: Samira Tortelli

Creative Director:Fábio Mancuso

Executive Producer & Customer Service:Kika Forjaz

Customer Service Director:Cris Marquesi

Music Production:Fábio Mancuso

Sound Design & Finalization:LH Cria, Fabio Mancuso, Junior Aragaki

STILL PAOLA CAROSELLA

Still Photographer:Kenzo Sanematsu

1st Still Photo Assistant:Gabriel Barrera Correa dos Santos

Online retail: the role of data, automation, personalization, and integrated channels for e-commerce success

The online shopping segment is one of the most efficient in recent years. To give an idea, in 2024, Brazilian e-commerce moved over R$204 billion, representing a 10.5% increase compared to 2023. These are data from ABComm, which also indicates that by 2025, the expected revenue will reach R$224.7 billion, with a 10% increase.

With technological advancements, more complex shopping journeys, and increasingly demanding consumers, the act of selling online goes far beyond just delivering services and products. And this is where requirements such as data, automation, personalization, and integrated channels come into play. Today, these are the essential pillars for those who want not only to survive but to thrive and stand out in e-commerce.

For you, dear reader, to understand a little better, I will explain these points:

  • Dados: Data can be considered the new fuels for online retail. That's why companies that invest in analytics are able to better understand their customers' profiles, forecast demand, optimize inventories, and create more effective campaigns. It is precisely through data that managers are able to make faster and more efficient decisions, especially in an increasingly fast-paced world.
  • Automation:Here I start by emphasizing that automation does not mean 'coldness' or detachment. Automation, when well implemented, goes precisely in the opposite direction. Through it, managers can free up teams to focus on strategies and creativity, while robots handle the operational tasks;
  • Hyper-personalization:As I mentioned at the beginning of this text, consumers are becoming increasingly demanding, and this has led to a high demand for more personalized services, products, and campaigns. Therefore, more than a technological issue, customization is a strategic choice, as it is through it that brands can generate connection and campaigns with their target audience, and increase engagement with their brand/company and, consequently, the number of loyal customers;
  • Multichannel:You are impacted by a TV campaign, start researching a bit more on the internet, check the brand's reputation on different platforms, talk to other customers via WhatsApp, and finally go to the physical store to make a purchase. This is just one example of how the buying journey is no longer linear. Therefore, it is extremely important to engage and keep the customer active;

Finally, it is a fact that online retail has undergone many transformations, and believe it or not, we will have even more incredible news in the coming years. The proposal, in general, is to attract, engage, and turn customers into fans and brand ambassadors. Think about it!

Silver economy will double in 20 years

With established partnerships and being approached by funds and solid companies in the sector, Söderhem is born from a dream and a vision: "we want a world where aging is synonymous with quality and coexistence, and we know there is a gap in this universe here in Brazil. It is precisely this space, between quality housing and the possibility of building communities, that we aim to fill," emphasizes Daline Hällbom.

Daline, 17 years of experience in the global real estate market, and partner Beatriz Pons, an architect based in Sweden for 13 years, are shaping a new way of living for those 60+, combining Nordic architecture and construction quality with the warmth that only Brazilians know how to provide. "The idea is to target an A+ audience, who can afford to live well, consume good services, and still want to have experiences, not be considered old and, in doing so, lose the spark for life," explains Beatriz.

Therefore, the projects she signs have, in addition to larger units adapted to meet the basic needs of seniors, green and outdoor areas that enable chatting, games, outdoor activities, and meeting new people of the same age group and with similar interests. "It's almost a fraternity for those who already know what they want and expect more from life even having lived a lot," recalls Daline.

The combo will offer, in addition to quality construction and first-class services, the possibility of partnerships with brands and companies that can promote outings, physical activities, and intellectual pursuits. "Population aging is the greatest demographic change of the century. Those who do not adapt will fall behind," emphasizes Hällbom.

Both are in a good phase and in a market that is in full expansion: according to Data8, the silver economy in Brazil is expected to double in twenty years. We are talking about an annual consumption of around R$ 1.6 trillion in 2024, which could reach R$ 3.8 trillion in 2044.

The first project is scheduled to be launched in 2026 and already has a well-established developer, but it needs the selection of the investment fund and an injection of around R$16 million for the land purchase, "which is a find," confirms Daline. "The estimate is that we will have the first delivery in about 4 years, but we can enable more than one project at the same time, since we also have studies outside Florianópolis," concludes Beatriz.

Afiliados: a chave para escalar negócios na nova economia digital

Previously restricted to major players in the digital market, affiliate marketing has been gaining ground among companies of all sizes. The model, previously associated with complex structures and high investments, now stands out as an affordable, scalable, and performance-oriented alternative. For small and medium-sized businesses, it represents a real opportunity to generate measurable results with greater predictability.

In practice, the concept today functions as a kind of decentralization of the sales force: brands create programs and invite partners, called affiliates, focusing on promoting their products in exchange for performance-based commissions. This dynamic offers a clear advantage for those who need to grow with a controlled budget: payment only occurs when there is a conversion, whether a click, lead, or sale. Based on this premise, it is a logic that fits any size of business, as long as it is well-structured.

In the case of SMEs, the most common and promising approach has been to invest, for example, in partnerships with niche content creators and micro-influencers. This is because they are people with high engagement in specific communities, capable of generating qualified traffic without requiring significant investments. On the other hand, for larger companies, the adoption of more comprehensive technological platforms becomes more common, including white-label programs and integration with data systems and CRM, enabling a multitude of affiliates to be connected and have their performance analyzed automatically.

Furthermore, it is worth highlighting that the social impact of affiliate marketing is significant, as anyone can participate in this modality as long as they are part of an affiliate platform and have a cell phone with internet to promote their purchase links. This directly contributes to the democratization of access to income generation, especially in a challenging economic scenario like Brazil's, where millions of people seek alternatives to supplement their earnings.

Market data also confirm this movement. In 2023, affiliate marketing generated more than $14 billion worldwide, according to Influencer Marketing Hub. In Brazil alone, there are already more than 30 million people registered on platforms like Hotmart — making us the second-largest country in this segment.

The heated sector is easily explained. According to Business Insider, affiliate marketing can contribute around 16% of the total revenue generated through digital marketing campaigns – a significant amount considering not only conversion but also customer retention.However, we cannot simplify the situation solely based on the financial aspect. The increasing sophistication of platforms has also helped. Today, thanks to technology, it is possible to segment campaigns, monitor channels, compare affiliate performance, ensure transparent compensation, and most importantly, optimize the entire operation based on real data. And of course, the social issue also gains special prominence when we talk about the digital economy.

According to a Mediakix survey, 81% of brands investing in this model claim to have significantly increased their customer base. This shows that the strategy goes beyond direct conversion — it also drives brand awareness and long-term visibility, something that was often overlooked when it came to the performance of affiliates. Moreover, unlike other media fronts, the growth is accompanied by complete control over the budget and predictability of results.

Demystifying affiliate marketing as an exclusive resource for big players is essential to democratize access to strategies that truly deliver results. Today, companies of all sectors and sizes are adopting the format, from large online retailers to small local producers. Whether to sell more, gain visibility, or even attract new audiences, the model has already proven to be a powerful tool — and, above all, adaptable to any type of business.

Father's Day in e-commerce: how to boost sales in 2025

Father's Day is already mobilizing retailers to find strategies to boost sales and retain customers. Various segments are accelerating sales during this period, such as Technology and Electronics, Men's Fashion, and Home and Leisure, which were the categories with the highest sales volume in 2024, according to a survey.Criteo, a global platform that connects the commerce ecosystem.

In the past year, Brazilian consumers prioritized experiences and useful, personalized gifts with emotional appeal. This behavior drove a 2% increase in sales, accompanied by a significant rise in clicks (+9%) and ad impressions (+8%). The advertisers' investments in campaigns for the date increased by 11%.

To maximize the sales potential of the date in 2025, Tiago Cardoso, General Director of Criteo for Latin America, shares seven tips for e-commerce retailers:

1 – Innovate to attract customers:according to the researchThe Spark of Discovery – Reigniting the Emotion of E-commerce, from Criteo, 76% of consumers believe that online shopping lacks emotion. Therefore, it is important to innovate in actions to attract and retain customers. You can, for example, create a quiz for buyers to answer quick questions about the father, and based on the profile, you can recommend the perfect gifts available in your store;

2 – Consider those who buy at the last minute:Unlike other holidays, most consumers do not plan well in advance for Father's Day. Make sure your logistics are optimized for fast deliveries and highlight last-minute gift options to convert these customers;

3 – Make your sale "AI-friendly"To maintain visibility in AI tools and search platforms, retailers must ensure that product data is clear, well-structured, and optimized for quick delivery, as well as highlight last-minute gift options to convert these buyers.

4 – Focus on proven categories:Direct promotions towards high-performance categories such as electronics, fashion, and home goods. Specific and targeted campaigns are more likely to attract consumers' attention;

5 – Optimize your mobile strategyAccording to Criteo data, mobile devices accounted for 70% of Father's Day purchases last year. Ensure a smooth mobile experience by using SEO strategies and paid search to attract consumer traffic searching for products;

6 – Maximize the impact on social media:Use social media to generate engagement with giveaways, promotional coupons, and interactive content. Sponsored and targeted campaigns to specific audiences can expand reach and increase engagement;

7 – Explore strategic partnershipsCreate product or experience kits in collaboration with complementary brands. For example, an electronics retailer can team up with a personal care brand to offer gift sets — expanding the appeal of the offer and increasing visibility.

"With the right combination of creativity, personalization, and data-driven planning, retailers can turn Father's Day into a highlight for both consumers and brands," says Tiago Cardoso.

It was the era of digital fatigue: how to boost sales amidst information overload?

Consumers are exhausted from impersonal, generic, and fragmented communications. We live in an era of digital fatigue, where we are overwhelmed with notifications and stimuli that cause us to go from enthusiastic customers to saturated users. If, in the past, the novelty was being digital, today, the corporate challenge is to be relevant to your target audience, which requires companies to adopt a new, more strategic perspective in this relationship, breaking down the barriers of digital fatigue and turning this fatigue into assertive sales and greater value generation in the products or services offered.

According to data released by McKinsey & Company, 71% of consumers expect personalized interactions from companies. However, 76% become frustrated when this does not happen, since only about 24% of brands deliver truly personalized experiences in the consumer's perception. The result? Faced with many alternatives, consumers tend to limit the number of options analyzed, based on the differentiators presented to them.

Many end up preferring, for example, to choose already known or recommended brands, even if they have to pay a little more for it, ignoring information they consider irrelevant or complex. Your sense of deadline and urgency is also usually a decisive criterion in this matter, prioritizing brands that meet this timing. Furthermore, everything that is exclusive or that conveys a sense of scarcity in access tends to arouse greater interest in this selection.

In addition to being influenced by major brands and people, all the factors highlighted above end up gaining strength in their decision-making process, given the excess of information they receive daily – which can lead to selective disengagement by consumers, such as ignoring generic communications, canceling subscriptions, silencing notifications, and consequently directly impacting the monetization strategy of any company that relies on digital journeys to sell, engage, or serve.

The market needs to go beyond selling technology, focusing on delivering real business results for each of its clients. After all, corporate growth will not come solely from scaling channels or increasing volume. The true differentiator lies in helping consumers overcome digital fatigue with smarter, more efficient, and personalized journeys. This means monetizing not only through message delivery but also through the impact generated on the end user's experience.

The era of digital fatigue demands a new stance from companies. Winning in this scenario doesn't depend on speaking louder, but on speaking better, which requires technology, intelligence, and strategy. Transform each interaction into a valuable connection, and each product into an experience that truly is worth it. Something that, in order to bring the expected success, will require the creation of shorter and more intuitive engagement journeys, developing products that help the customer decide, not just receive information.

Products invested in this direction should include SaaS journey solutions that enable multi-channel communication orchestration with logic, context, and efficiency – reducing noise and increasing relevance. Go beyond the text itself, building intelligent end-to-end service, sales, and notification flows, with a human interface and context within a single integrated ecosystem that provides the appropriate services from start to finish.

Contributing even more to this assertiveness, there are many autonomous agents (AI) capable of automating this journey without dehumanizing the service, allowing interactions that learn and evolve with the user – a direct antidote to robotic communication that wears down the digital experience. These technologies will facilitate the use of customers' behavioral and historical data to create increasingly personalized and actionable campaigns.

Overcoming this barrier of digital fatigue is not something simple in the current era we live in. To achieve greater success in this fight, it is important to rely on the guidance of specialized players who provide platforms that orchestrate this communication chain, with robust channels capable of supporting these strategies.

It is more urgent than ever for companies to mitigate digital fatigue risks in their clients by providing comprehensive solutions that deliver real value in every interaction between the parties, in order to avoid a direct impact on their revenue. Enormous efforts, but certainly, they will bring excellent results for a more prosperous and trusting relationship with your consumers.

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