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Artificial Intelligence decreases from months to days the integration time between companies

E-Commerce Uptate
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Artificial Intelligence decreases from months to days the integration time between companies

In 2024, Brazil recorded 1,247 merger and acquisition operations, according to consultancy Kroll, and post-merger integration (PMI) (PMI) (PMI) is a key moment for the success of these transactions. Louro Tech, founded in 2024 by Felippe Pires, a former partner of XP and current CEO, solved this problem by combining artificial intelligence (AI), real-time data consolidation and an advanced CRM, reducing the average PMI time from long months to just a few days. Currently, the company manages more than R10 billion 20 billion R2000T2 assets and has 2000020T102

During PMI, there are several barriers to be faced by the companies involved. “Every minute counts. Integrating different systems is not only a technical issue 5 IS an operational risk that amplifies cultural shocks between teams. When essential information is lost in the transition, what was to be synergy becomes a” problem, explains Pires. The expert cites as an example, the integration of data that he Louro Tech has carried out between two companies. “Consolidate the historical commercial management data of the two companies to enhance synergies, for example, it would take at least two months. We reduce this time to three days, performing the merger without losing a single CEO, with a single one, one, one, one ACHR. 

Another facilitator can be the tool used by organizations to analyze and manage their data. If companies involved in the merger or acquisition process previously use the same tool, the post-merger transition becomes much smoother. “The fact of using the same data structure greatly facilitates in PMI. And as the installation and implementation of the tool is very fast 'we configure and implement it within a week ', we can make the merger of companies more agile in terms of the management of the” data, adds the CEO.

Studies indicate that 41% of mergers and acquisitions fail due to failures in integration between companies, leading to significant financial losses. The inability to quickly consolidate strategic information can result in loss of customers, misalignment between teams and difficulties in adapting to new operational processes. The expert explains that an office that manages R$ 500 million in assets, for example, can spend an average of 16 hours a week correcting errors between disconnected spreadsheets 5 time that could be dedicated to attracting new customers.

Efficient data integration not only accelerates the operational transition, but also enables companies to ensure regulatory compliance and mitigate legal risks.Financial documentation and mandatory reports can be generated automatically, reducing errors and ensuring transparency for audits and regulatory bodies. “It is not just about consolidating data, but about ensuring that the entire operation runs smoothly, avoiding regulatory sanctions and optimizing the” time, Pires adds.

This efficiency directly impacts talent retention within the companies involved in the merger. An agile and well-structured process minimizes uncertainties, reducing the turnover rate of key professionals. Companies facing prolonged and disorganized transitions often lose strategic talent to competitors, compromising business continuity. Louro Tech's technology facilitates the adaptation of teams, ensuring that the merger achieves its growth objectives and operational synergy.

Mobiis announces launch of freight marketplace to connect carriers and shippers

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Mobiis announces launch of freight marketplace to connect carriers and shippers

A Mobiis, an ecosystem that connects SaaS solutions for the transformation, efficiency and innovation of the logistics chain in Brazil, announces the launch of its freight marketplace, in order to connect carriers and shippers in an agile, efficient and safe way. Developed to boost the logistics segment, the exclusive tool has more than three thousand approved carriers and a centralized platform for all operations, ensuring greater predictability and operational control.

Idealized for companies seeking new loads aligned to their profile or wishing to expand their network of customers, the platform provides real business opportunities. The solution quickly and efficiently connects carriers facing challenges to find compatible cargo with shippers seeking to distribute them strategically, ensuring budget and competitive deadlines.

In this sense, the Mobiis freight marketplace provides a Service Level Agreement, known as SLA, and values defined in a single secure environment. “ Shippers will offer their cargo to companies with a compliant profile and, above all, that already operate in the region of origin and destination of the cargo. This expands business opportunities with transparency and efficiency, while the complete connection is made in less than an hour” Adriano Cagnini, Mobiis operations director.

Adriano Cagnini, Mobiis operations director (Disclosure)

Mobiis will officially launch this functionality during its participation in Intermodal South America, the largest and most complete event of logistics solutions in the Americas.In order to transform the national logistics segment through innovation and effectiveness, logtech was developed from the merger of Pathfind and Fretefy companies.
 

With a portfolio of more than five thousand renowned brands using its robust and specialized solutions, such as Heineken, Carrefour, FedEx, Riachuelo, Nestle, Algar Telecom, Votorantim, Gerdau, AAK, Ajinomoto and Consigaz, Mobiis projects a growth of 300% by the end of 2025.

RechargePay guarantees more savings on Easter purchases

E-Commerce Uptate
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RechargePay guarantees more savings on Easter purchases

With the arrival of Easter and prices rising, RecargaPay is a more advantageous alternative for consumers who want to save without giving up purchases in the period. When using the Credit Card RecargaPay, customers receive 1.5% of cashback in all transactions and the balance is credited directly to the digital wallet of the app IO which still yields the equivalent of 110% of the CDI.Paying with the card, the purchase can still be parceled out by up to 18x, without bureaucracy.
 

About 102.6 million people plan to buy Easter items this year, according to a survey conducted by the National Confederation of Shopkeepers (CNDL) and the Credit Protection Service (SPC Brazil). In response to this demand, RecargaPay offers payment solutions that favor consumers when giving gifts to friends and family, either with a credit card that returns part of the amount spent or with the possibility of payment via Pix parceled, with the lowest rate in the market, of only 3.99%.
 

“We know that Easter is one of the most relevant dates for national retail, but we also recognize that the current scenario of price increases in the country requires even more attention to financial control. Therefore, at this time we reiterate our role as a payment tool that combines convenience and economy at the time of Brazilian purchases, with solutions that guarantee more advantages for their financial life”, evaluates Nelson Leite, VP of Payments at RecargaPay. “Our focus is always to enable conscious consumption, offering more control of spending and more profitable return to our more than 10 million” customers.
 

How to apply for the RecargaPay Credit Card?

On the home screen of the app, select the option “Credit card” and tap “Ask for now”. Then validate your identity, confirm the information and accept the terms and conditions. The credit limit will be set based on the amount reserved in the wallet, so put a balance on the card to ensure release. Finally, you just need to review the data and complete the order. Approval is immediate, without charge of annuity, and the whole process happens simply, quickly and securely.
 

The card is the only one in the category it offers cashback 1.51 Tp3T in all purchases. With the guaranteed limit model, the customer defines how much he wants to put on the virtual card and, consequently, how much he can spend, providing more control and financial organization. In addition, the reserved amount continues to automatically yield in the application wallet, with profitability equivalent to 1101 Tp3T of the CDI.

Com criatividade, lojas online vão além do chocolate e aumentam em 30% o faturamento durante a Páscoa

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Com criatividade, lojas online vão além do chocolate e aumentam em 30% o faturamento durante a Páscoa

De acordo com a Nuvemshop, plataforma de e-commerce líder na América Latina, houve um aumento de 30% no faturamento das pequenas e médias empresas do e-commerce que investiram na Páscoa, alcançando R$ 3,9 milhões. Foram vendidos cerca de 88 mil produtos específicos para a data, um crescimento de 28% em relação a 2024.

Produtos registrados como “Páscoa” na plataforma cresceram 42% em número de itens vendidos e 45% em faturamento, movimentando mais de R$ 1,6 milhão. Já os chocolates, símbolos do feriado para muitas pessoas, tiveram uma queda de 5% no total de produtos vendidos no e-commerce.

“A Páscoa é o grande momento do ano para docerias e chocolaterias, porém, para lojistas de outros segmentos, o feriado pode ser uma oportunidade extra de oferecer produtos diferentes ao consumidor. Atualmente, temos mais de 150 mil clientes na plataforma, dos mais variados segmentos. Em todas as datas comemorativas, temos lojistas para oferecer opções a todos os tipos de consumidor”, explica Carolina Lago, Gerente de Marca e Conteúdo da Nuvemshop. “Buscamos facilitar o acesso ao e-commerce para os empreendedores, mas também beneficiamos diretamente o consumidor ao ampliar a oferta de produtos de acordo com a necessidade de cada um em qualquer época do ano”, finaliza.

O sucesso na venda de produtos de outros segmentos é o caso da Parafinesse, e-commerce de velas e produtos aromáticos, que apostou em uma tendência do momento e criou duas velas comemorativas para o período: uma de chocolate com laranja e outra de pistache, com a opção de adquiri-las dentro de uma embalagem em formato de ovo de Páscoa. A novidade agradou os clientes e eles tiveram, apenas em março, um aumento de 37% no faturamento; o ticket-médio, valor gasto por consumidor no site, também cresceu 12%.

“Na Páscoa, somos muito impactados por imagens e ofertas de chocolate, porém existem pessoas que não o consomem. Pensando nessas pessoas, queríamos oferecer um produto que remetesse ao conforto que o doce é associado”, afirma Beatriz Costacurta, fundadora da Parafinesse. “Deu certo: as velas fizeram tanto sucesso que estamos considerando mantê-las em nosso catálogo fixo”, complementa.

Os dados foram levantados junto à base brasileira de lojistas da Nuvemshop, durante o período de 14 de março a 13 de abril de 2024 e 2025.

Is digital inclusion the new driver of financial empowerment?

Laila Martins
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Is digital inclusion the new driver of financial empowerment?

With the expansion of internet access and the use of digital platforms, millions of Brazilians have found opportunities for training, entrepreneurship and insertion in the digital market. According to the ICT survey Households 2024, 84% of the population is connected and 74% use the network for professional or educational activities, which shows how connectivity has been consolidating as a bridge to economic and social development.

This advance, however, is not limited to income generation. It represents a concrete chance to face historical inequalities, expanding access to resources that were previously restricted to a portion of citizens. For this potential to be fully realized, it is necessary to invest in digital infrastructure, professional training and technologies that involve the active participation of all in the connected economy.

How does digital inclusion create income opportunities?

The internet has opened doors that once seemed inaccessible. Working from anywhere, making extra gains as a freelancer or even turning a hobby into your own business has become a reality for many people. Those who need flexibility or face difficulties in the traditional market find in digital a more democratic space. Undertaking online has also become simpler and cheaper, since just a mobile phone and a good idea to start. Social networks such as YouTube, TikTok and Instagram have become monetization platforms, while e-commerce continues to grow and create new horizons.

But it is not enough to have access to the internet, you need to know how to use it to your advantage. Digital learning platforms offer practical courses that help develop skills valued in the market, making it easier to change careers or seek an extra source of revenue. In addition, strategies such as affiliate marketing and referral programs allow anyone to make money connecting consumers to products and services. With more knowledge and tools at hand, the path to financial independence becomes increasingly accessible.

And edtechs play an essential role in this transformation. In addition to providing training, many create partnerships with companies to bring professionals from real perspectives. Projects aimed at poor communities guarantee access to devices and connectivity, allowing more people to participate in the digital economy. In the end, digital inclusion is not just about technology & is about giving equal chances so that everyone can grow, undertake and achieve a better life.

Challenges and paths

There are still barriers along the way. Without adequate infrastructure, millions of people still lack access to quality internet, which limits work, learning and growth. Data from the ICT Households 2024 survey reveal that 29 million Brazilians still do not have access to the internet, which reinforces the challenges of digital inclusion in the country. And even among those who use the network regularly, only 22% have a significant” connectivity, which considers factors such as frequency of use, quality of connection, access to appropriate devices and digital skills.

That is, the lack of training also prevents many from taking advantage of what technology has to offer. At the same time, the increase in virtual transactions brings new risks, such as financial scams, making digital security a priority. Without effective public policies, digital inequalities tend to deepen.

On the other hand, technological advances continue to pave the way for us to go. Artificial intelligence already enables people and companies to focus on more strategic tasks, while digital businesses are structured based on data and automation. Online education breaks down geographical barriers and expands access to knowledge, and new forms of monetization, such as the creative economy and NFTs, are opening paths to income generation.

E-commerce is one more that consolidates, democratizing digital entrepreneurship. Models such as dropshipping and affiliate marketing facilitate the entry of entrepreneurs into the market. Freelance work grows, connecting professionals to opportunities anywhere in the world.

When connectivity, empowerment and security go together, digital is no longer a privilege and becomes a vector of transformation. The future of the economy is the active participation of all in this environment, and true financial empowerment is born when technology is put at the service of equity.

Easter 2025: with 70% of consumers anticipating purchases, planning will be the differential of brands

Caroline Mayer
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Easter 2025: with 70% of consumers anticipating purchases, planning will be the differential of brands

Easter has always been a reliable thermometer of how consumer behavior is going, but in 2025, it promises to be even more significant research conducted by Globo revealed that 83% of Brazilians intend to celebrate the date this year a considerable increase in relation to 68% which celebrated in 2024. This change indicates a window of opportunity for brands and retailers. Therefore, understanding the consumer in advance will make all the difference.

When we talk about buying behavior, we realize that some patterns are being reinforced, while others evolve rapidly. The food and beverage basket remains a protagonist at this time, especially due to the religious tradition that remains strong in the country: 65% of those surveyed said they did not consume red meat on Good Friday. In addition, for 73% of Brazilians, the Easter meal is more than a simple celebration . It is a time to gather friends and family. This data reinforces a key factor: the consumer does not seek only products, but shared experiences, which creates opportunities for brands to position themselves emotionally and gain space in the affective memory of customers.

Perhaps the most interesting thing is the behavior related to the purchase of chocolates and sweets 74% of Brazilians claim to have intention to buy Easter eggs, chocolates or sweets in 2025. Among the general preferences of the population, industrialized Easter eggs sold in supermarkets stand out (47% of respondents mentioned interest in this product, 1 percentage point growth over the previous year), handmade eggs sold in specialty stores (49%) and industrialized chocolates (29%). This movement indicates a significant preference for industrialized products, which may be linked to both economic issues and practicality and trust in well-known brands.For brands and retailers, this scenario suggests clear opportunities in strategies focused on convenience, perceived quality and strengthening the trust relationship already established with the consumer.

In the logistics aspect, super and hypermarkets continue to lead, with the preference of 59% of respondents, while specialized stores (33%) and wholesalers/attack (23%) share the rest of the preferences. This means that, although digitization is inevitable and essential, physical and face-to-face experience remains a crucial point, especially on commemorative dates such as Easter. Thus, omnichannel strategies should be carefully designed to integrate the best of both worlds.

Impact of anticipating purchases

Another revealing point is the increasingly anticipated behavior of consumers.In 2023, according to data from the campaign made by Mondelez Brazil in partnership with RelevanC 40% of purchases happened between one month and eight days before Easter. In 2024, this anticipation increased to 53%. Now, for 2025, the trend remains strong, with 59% of consumers stating that they will carry out their purchases in advance 25% being approximately one month before and 34% being approximately 15 days before the date. This behavior reinforces the importance of initiating promotional campaigns and communication strategies early enough to capture attention and meet consumer expectations.

This consistent evolution brings a clear message to brands: communication and commercial strategies need to start earlier than ever. Consumers are no longer expecting last-minute offers; rather, they are planning financially and emotionally in advance. This behavior may be the result of a more cautious consumer, who researches prices, options and quality in advance, valuing a safe purchase more than impulsive. 

For brands, the benefit of this anticipation is clear: longer campaigns allow for more effective branding actions, a more consistent relationship with the consumer and, consequently, better results in conversion and retention, as we saw in the successful example of Mondelez.

The Mondelez case is a good example of what happens when a brand understands this dynamic. By anticipating its Easter campaign in 2024 and using behavioral data to segment actions, 53% of sales were anticipated.In addition, the campaign brought new consumers to the brand (50% were new buyers in e-commerce), which proves the potential for anticipation not only to increase immediate sales, but to broaden the customer base in the long run 66% of transactions include additional products (tablets) it indicates that the consumer, when reached earlier, is open to buying more and trying different products, provided they are stimulated correctly.

Competitive differential

In this context, we can safely say that anticipation will be a competitive differential for Easter 2025. Brands that understand that almost 70% of consumers are willing to anticipate their purchases they will be able to create more effective strategies, from segmentation to inventory management and advertising campaigns.

The great learning is that consumers are more planned, more attentive and, above all, more demanding. Therefore, the ability of brands to anticipate demands, customize offers and ensure a fluid experience will be crucial to make the most of this window of opportunities.

Easter 2025 will not only be about selling more chocolates, but about who can establish genuine connections with the consumer, anticipating their expectations and ensuring a complete and memorable experience.

Delegating intelligently and developing leadership strengthens business growth

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Delegating intelligently and developing leadership strengthens business growth

One of the biggest obstacles to the growth of small and medium-sized companies is the attempt of the entrepreneur to maintain absolute control over all decisions and processes. Although direct involvement in operations seems to be a sign of commitment, this centralization compromises the scalability of the business and exhausts the time of the manager. To expand with consistency, it is essential that leaders learn to delegate with discretion and build teams prepared to assume responsibilities with autonomy.

According to Samuel Modesto, business management specialist and business mentor, knowing what to delegate and how to delegate is a strategic skill. “This does not mean that the manager is giving up control, but rather creating an intelligent system where each person contributes their best. The entrepreneur needs to leave the operational and take on his role as growth leader”, he evaluates.

Delegating is not abdicating: it is directing clearly

The first step to an effective delegation is to identify which tasks really require the look of the entrepreneur and which can be passed on safely. The management of internal processes, routine attendance or the execution of operational tasks are clear examples of activities that can & should & should & should & should be performed by other people. “The most common mistake is to think that no one does as well as the owner. This thought limits business growth and generates” overload, comments Modesto.

However, delegating does not mean transferring a task and disappearing. It is necessary to provide guidance, monitor the results and be available to support the team. “The difference between delegating and abandoning is the ongoing responsibility. The leader must remain present, following indicators and providing” feedback, the expert points out.

Environments that foster leadership create stronger businesses

In addition to the technique, the environment also needs to be favorable. Companies that want more autonomous teams must build a culture of trust, where employees feel safe to make decisions, suggest solutions and make mistakes when necessary. According to Modesto, empowerment does not happen by decree, but by the way leadership conducts day to day.

“Companies that strengthen their internal leadership, invest in clear communication and value the opinion of teams create an ecosystem where collective growth is inevitable. When the employee realizes that he has space and support, he starts to act with more responsibility and initiative”, he highlights.

For the expert, freeing the entrepreneur from operational tasks and strengthening the performance of the team leaves the company less dependent on a single person to function, in addition to maximizing the speed and capacity for innovation.“Scalar requires prepared leaders and protagonists collaborators. Only then the entrepreneur can focus on where it really makes a difference: in the future of the business”, concludes Modesto.

Six solutions to leverage online sales in a smart way

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Six solutions to leverage online sales in a smart way

Part of the Brazilian consumer routine, e-commerce has been gaining more and more followers. So much so, that according to the Brazilian Electronic Commerce Association (ABComm), the sector should reach, in 2025, its eighth consecutive year of growth, with an increase of at least 10% of revenues compared to last year, exceeding the R$ 234 billion.

“These expectations are interesting and totally plausible, especially if online stores can draw up good strategies for attracting new customers, increasing average ticket, loyalty of old customers and, of course, if they work on reversing situations such as abandonment of carts and navigation, which often fail to receive the proper attention”, analyzes Felipe Rodrigues, founder and CEO of Sent 5 Platform specialized in tools and solutions to automate marketing for e-commerce. 

According to the executive, it is currently possible to have tools and platforms that directly assist in the implementation of strategies that increase sales by up to 50%. The secret, in Rodrigues' view, is the proper and combined use of available technologies. 

“If the e-commerce team knows how to combine the right tools, create campaigns and actions that have synergy with the consumer public and operate concretely the mechanisms to recover that customer who does not make his purchase, success is guaranteed!”, highlights. 

Felipe Rodrigues also points out 6 solutions that collaborate to automate marketing and help increase online sales 

- Email Marketing: it is one of the favorite tools of consumers for the relationship with the stores where they usually make their purchases, according to a survey by Opinion Box. Through this channel, it is possible to deliver personalized content to the customer, at a low cost, in a creative and effective way. The traditional, when well executed, produces relevant results. 

-Recuperator of Abandoned Trolleys: it is another tool that has already demonstrated its potential. The technology detects when a purchase is not made and the cart is abandoned and automatically issues special communications to the consumer, remembering about the selection made and, in some cases, offering discount coupons for the purchase to be completed. 

-Recompra Inteligente: it is a tool that will help especially the e-commerce that performs the sale of products of recurrent use. The solution operates based on a series of information, such as the estimated average time for the consumption of each product, the time interval between the purchases of the same item by a series of customers, as well as algorithms. Shortly before that item runs out in the customer's home, the tool makes a reminder that it is time to purchase it again. 

-Abandon of Navigation: automatically identifies and tracks the navigation flow of customers who access online stores.If the consumer abandons the purchase process even before adding the products to the shopping cart, the tool makes the determination of what was the item of interest and begins a marketing automation journey through which products are suggested by email, SMS, push in the browser and/or whatsapp. 

- Custom Trigger: it allows the sending of fully customized content to the customer, when the action makes sense, according to the communication strategy of the e-commerce. The information, fully personalized, is also forwarded to customers by whatsapp, SMS, email or push in the browser.

- PIX Recuperator: tool that operates in an automated way, through personalized triggers, and monitors orders whose selected form of payment is the PIX, in order to send customized reminders to the consumer, if he does not complete the purchase of that particular product or service, thus avoiding the loss of sales.

These technologies can add a lot to the sales performance of online stores, making life easier for e-commerce managers and marketing teams. Enviou's multichannel marketing automation platform offers all these integrated solutions, which simplifies the routine and monitoring of results, which can be checked through complete and detailed” reports, concludes Felipe Rodrigues, founder and CEO of Enviou.

Movimentos no delivery empolgam mercado, diz Abrasel

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Movimentos no delivery empolgam mercado, diz Abrasel

A Abrasel vê com otimismo a retomada do 99Food no mercado brasileiro de delivery, divulgada nesta semana. O retorno da plataforma representa um movimento relevante para o setor de alimentação fora do lar, que tem buscado ampliar a concorrência e reduzir a concentração nas entregas de refeições. 

A movimentação ocorre em um momento em que outras empresas também demonstram interesse no setor, como é o caso da chinesa Meituan, líder em entregas na China. A expectativa é que esse novo cenário pressione por um ambiente mais equilibrado, com maior diversidade de serviços e modelos de negócio.

Nos últimos anos, o delivery se consolidou como um canal estratégico para bares e restaurantes. Segundo pesquisa da Abrasel, 71% dos estabelecimentos fazem entregas, sendo que 78% destes recorrem a serviços por aplicativo, como o iFood.

Neste contexto de amplo domínio de mercado por parte de uma empresa, a chegada ou o retorno de novos agentes pode beneficiar tanto empresários quanto consumidores, ao ampliar as opções disponíveis, estimular a inovação e promover melhores condições comerciais.

“O mercado precisa de mais diversidade e de condições mais justas. É essencial remover barreiras que impedem a concorrência plena, criando um ambiente saudável para os negócios e benéfico para toda a sociedade”, afirma Paulo Solmucci, presidente executivo da Abrasel.

A entidade reforça seu compromisso com a construção de um ecossistema de delivery mais competitivo, transparente e sustentável, que estimule o empreendedorismo, a inovação e a melhoria contínua dos serviços prestados.

85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

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85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

With the forecast of offering R$ 50 million in credit in 2025, M3 Lending conducted a survey in its database to identify what is leading companies to resort to financing. The startup found that the absolute majority of reasons refer to the search for working capital.

Companies seek fintech to obtain resources to be applied in the purchase of a new stock (20%), opening of new units (25%), expansion of current facilities (15%) and expansion of operations (40%). “There are thus companies seeking credit for growth, for working capital, and not to pay off debts, for example”, underlines M3 CEO Gabriel Sousa Cesar.

Thus, fintech can offer better credit conditions 'OIS even compared to conventional banks.For the same case, the amount made available can be more than 50% higher than what a traditional financial institution would offer, calculates the CEO. M3 also has a special focus on small and medium-sized companies.

Due to the intense use of technology, fintech applies a differentiated methodology for the granting of credit, which enables the most advantageous conditions.The entire flow is digital, through application. “This allows operations without bureaucracy, therefore with lower costs, which means lower interest rates and zero bank spread”, Cesar points out.

For borrowing companies, the first step is to send the information about the application, which is analyzed by a credit committee M3. With the application and its approved conditions, the startup connects the company to investors interested in contributing funds in financing.

At the other end, investors also have agility. By applying M3, they evaluate the available opportunities and make their choice. When the chosen company has its credit approved, investors begin to be remunerated, based on the installments paid by the company itself.

A digital simulator, through the M3 website or application, allows companies to understand their credit possibilities. From investors, it does not require a large amount of resources: with only R$ 250 it is possible to start applications.

Currently, there are more than 2 thousand people connected to M3, both as borrowers and investors, informs the CEO.“It is a more inclusive financing model, connecting, on the one hand, those who need working capital, on the other, those who intend to invest, contributing to the growth of companies.”

M3 was founded in 2021 in Minas Gerais (Belo Horizonte). By 2029, it projects to reach the R$ mark 600 million transactions.

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Inclusion and speed: the Brazil-Asia e-commerce revolution In recent years, Brazil has experienced a significant transformation in its e-commerce landscape, driven by a combination of factors including increased internet penetration, the rise of mobile technology, and a growing middle class with higher disposable income. This transformation has been further accelerated by the strengthening of trade relations between Brazil and Asia, particularly with China. **Inclusion: Bridging the Digital Divide** One of the most notable aspects of Brazil's e-commerce growth is the inclusion of previously underserved populations. Historically, Brazil has faced challenges with digital inequality, where certain regions and demographic groups had limited access to the internet and e-commerce platforms. However, initiatives by the government, private sector, and non-governmental organizations have worked to bridge this digital divide. Programs such as "Internet para Todos" (Internet for All) have aimed to expand broadband access across the country, particularly in rural and remote areas. Additionally, partnerships with tech companies have led to the development of affordable smartphones and payment solutions, making it easier for lower-income individuals to participate in the digital economy. **Speed: The Rapid Growth of E-commerce** The speed at which Brazil's e-commerce sector has grown is remarkable. According to data from the Brazilian E-commerce Association (ABComm), the sector has seen exponential growth over the past decade. In 2020, despite the challenges posed by the COVID-19 pandemic, e-commerce sales in Brazil reached a record high, with a significant increase in the number of online shoppers and the volume of transactions. This rapid growth can be attributed to several factors: 1. **Increased Internet Penetration**: With more Brazilians gaining access to the internet, the potential customer base for e-commerce has expanded significantly. 2. **Mobile Technology**: The widespread adoption of smartphones has played a crucial role in driving e-commerce growth. Mobile commerce (m-commerce) has become increasingly popular, allowing consumers to shop anytime, anywhere. 3. **Payment Solutions**: The introduction of various payment methods, including digital wallets, credit cards, and installment plans, has made online shopping more accessible and convenient for consumers. 4. **Logistics and Delivery**: Improvements in logistics and delivery services have enhanced the e-commerce experience. Companies have invested in technology and infrastructure to ensure faster and more reliable delivery, which is critical for customer satisfaction. **Brazil-Asia Trade Relations** The strengthening of trade relations between Brazil and Asia, especially with China, has had a profound impact on Brazil's e-commerce sector. China is not only a major source of imported goods for Brazil but also a significant investor in Brazilian technology and infrastructure. Chinese e-commerce giants like Alibaba and JD.com have expanded their operations into Brazil, bringing with them advanced technologies and business models. This has led to increased competition and innovation within the Brazilian e-commerce market. Additionally, Chinese investment in Brazilian logistics and technology has improved the overall efficiency of the e-commerce supply chain. **Conclusion** The inclusion and speed of Brazil's e-commerce revolution are reshaping the retail landscape in the country. By bridging the digital divide and leveraging the benefits of increased trade with Asia, Brazil is positioning itself as a major player in the global e-commerce market. As this trend continues, it is likely that we will see even more innovation and growth in the sector, benefiting both consumers and businesses alike.

Getnet reveals that Customer Week drives online sales with an increase of 13.94% The Customer Week campaign, which took place between September 5th and 11th, resulted in a 13.9% increase in online sales, according to data from Getnet. The payment processing company analyzed the behavior of more than 100,000 merchants on its platform and found that the average ticket increased by 3.7% compared to the same period in 2022. The most significant growth was observed in the South region, with a 17.6% increase in sales. The North region also showed a strong performance, with a 16.8% increase. The Southeast and Midwest regions had growth of 13.3% and 12.4%, respectively, while the Northeast region had the lowest growth, with an increase of 9.8%. "Customer Week is an important date for retailers, as it is an opportunity to attract customers and increase sales. The results show that the campaign was successful in stimulating consumption and that consumers are increasingly looking for online shopping," says Marcelo Labuto, CEO of Getnet. The data also reveals that the fashion segment was the most benefited by the campaign, with a 21.3% increase in sales. The electronics and household appliances segment also had a significant increase, with a 17.6% increase. "The fashion and electronics segments are traditionally the most sought after during promotional periods. The results show that this trend continues and that consumers are increasingly looking for discounts on these products," says Labuto. Getnet also observed an increase in the use of credit cards during Customer Week. The use of credit cards increased by 15.4% compared to the same period in 2022. "The increase in the use of credit cards shows that consumers are confident in the economy and are willing to make purchases on credit. This is positive for retailers, as it allows them to increase their sales," says Labuto. In summary, Customer Week was a successful campaign for online retailers, with a significant increase in sales and the average ticket. The fashion and electronics segments were the most benefited, and the use of credit cards increased. The results show that consumers are increasingly looking for online shopping and that promotional periods are an important opportunity for retailers to increase their sales.

Digitalization and tokenization mark discussions at StartSe Payment Revolution Day 2025

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