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Middle East: The Oasis of Innovation in the Digital Desert

The Middle East is rapidly establishing itself as one of the world's leading centers of innovation and entrepreneurship, transforming into a true oasis for startups and technology companies in the heart of the desert. Dubai, in the United Arab Emirates and Qatar have demonstrated a commitment to the future, investing heavily in infrastructure, technology, and education to create a vibrant and dynamic innovation ecosystem.

A clear example of this commitment is theDubai Step ConferenceandWeb Summit no QuatarEvents that took place in February where not only networking occurred, but also the creation of a crucial platform for startups seeking investments and strategic partnerships. At both fairs, topics such as Founders and Funders, AdTech 2.0, Fintech for SMEs, and AI, LLMs, and Cloud were discussed. The fairs addressed the hottest and most relevant topics of the moment. This diversity of topics reflects the breadth of the Middle East innovation ecosystem, which is not limited to a single sector but embraces a variety of disruptive industries.

The Dubai government has been creating special economic zones and offering attractive incentives for innovative companies. Dubai Integrated Economic Zones Authority (DIEZ), for example, through Dubai CommerCity, is opening doors for Brazilian startups to expand their operations in the Middle East. This initiative not only facilitates the entry of foreign companies into the local market but also promotes the exchange of knowledge and technologies between different regions of the globe.

This influx of talent and capital has fueled the growth of sectors such as fintech, artificial intelligence, and e-commerce, positioning Dubai as a world-class innovation hub. Dubai is rapidly becoming a model of how a city can reinvent itself and always stay ahead when it comes to global innovation.

Qatar, meanwhile, accounted for 6% of deals across the Gulf region in 2023, with venture capital investments in its startups totaling 43 million Qatari riyals ($11 million).

Starting in 2024, through the Qatar Development Bank (QDB), a program was created that offers up to US$ 500,000 in funding for early-stage startups seeking to establish a presence in Qatar and up to US$ 5 million for growth-stage companies looking to expand their operations in the Middle Eastern country. In addition to financial support, QBD also provides portfolio startups with access to markets and expertise. The program targets startups in over 15 sectors, including fintech, clean technology, agritech, B2B SaaS, health, and marketplaces.

With events like Step Conference 2025 and Web Summit Catar and progressive government initiatives, the region is creating an environment where startups can thrive, innovate, and access capital. The challenge now is to maintain this momentum and turn the current buzz into a lasting legacy of innovation and entrepreneurship. If successful, the Middle East will not only be an oasis in the physical desert but also a shining beacon in the global digital landscape.

Startup that helps consumers with traffic fines is among the most promising of 2025

The Legal Scope, one of Brazil's main legal portals, released the list of the 10 most promising legaltechs for 2025, highlighting startups that are revolutionizing the legal sector through technology and innovation. In thefirst position in the rankingis theDoctor Fines, a platform specialized in traffic fine appeals, recognized for the impact of its technology in democratizing access to justice.

Founded in 2014 by Gustavo Fonseca, the legaltech has already helped over 150,000 drivers across Brazil to contest violations and avoid unjust penalties. With an automated system and specialized service, the startup has established itself as a reference in the sector, offering agile and efficient solutions for drivers. "Our goal has always been to make fine resources more accessible and efficient for drivers. Technology allows us to offer a fast and personalized service, ensuring that drivers have access to a fair process," says Fonseca, founder of Doutor Multas.

In addition to Doutor Multas, other startups also appear on the Âmbito Jurídico list, such as LexAI, Juriflow and netLex, which develop innovative solutions aimed at law firms, legal departments and citizens looking for more efficiency and accessibility in the sector.

With technological advancement, the legal sector is moving towards a new era marked by efficiency, accessibility, and innovation. Legaltechs are playing a key role in this transformation, automating processes, reducing bureaucracy, and expanding access to justice. These smart and dynamic solutions not only make lawyers' daily lives easier but also ensure that citizens and businesses can rely on more agile, accessible, and transparent legal services.

The recognition of the 10 most promising legaltechs of 2025 reinforces the growing digitalization of the legal market and the importance of technology in making access to justice more agile and transparent. The trend is that these startups will continue to gain ground, offering new solutions for lawyers and clients.

Check out the complete list of the 10 most promising legaltechs of 2025:

1. Doctor Fines– AI-based solution for automated contesting of traffic fines.

2. LexAI– Automation tool for smart contracts.

3. Juriflow– Legal CRM with artificial intelligence for process optimization.

4. NetLex– Legal document management and automation platform.

5. Legal Right– Marketplace connecting lawyers and clients.

6. Deal Done– Online conciliation and mediation platform.

7. Aurum– Legal software for law firm management.

8. Jusbrasil– Legal research platform and community of lawyers.

9. Digest– Artificial intelligence tool for case law analysis.

10. Leave– Solution for automating legal flows and contracts.

Aline Bak launches The Power of Authority: How to elevate your brand in the digital world with a step-by-step guide for those who want to grow and stand out on social media

We are connected to everything: people, companies, brands, stories, desires, products, services, and entertainment. All of this is available at your fingertips in an instant, fueling our need for information, our curiosity, and the sense of belonging to the global network that the digital universe provides us.

Within this web of connections, the need to appear, stand out, sell products or services and transform into a powerful “brand” to attract followers, gain recognition and be monetized is a constant challenge linked to images, words, perfect videos and speeches that win over and transform a profile into a reference to attract new followers and ensure many likes.

To help those who want to start a journey on this path, mentor, influencer and writer Aline Bak will launch “The Power of Authority: How to Elevate Your Digital Brand”March 25th, at 7pm, at Livraria da Vila, in JK-Iguatemi (SP).

In her first book, the author uses her own methodology, built over 20 years of experience, to guide people who want to transform themselves or create a brand on Instagram, WhatsApp, TikTok, YouTube and other channels where the possibilities for interaction are endless.

Brazil is one of the leading countries in internet access, and Brazilians spend an average of more than 3 hours a day online, accessing various platforms and waiting for content that engages them. Therefore, it is important to know that, in addition to being present on social media, it is essential to understand that these platforms are different and powerful tools to build authority, reach new audiences, and connect a profile or product with those who truly matter.

To show these paths, Aline provides tools that will help the reader to mark their presence with strategy, consistency and authenticity to stand out and not be forgotten among the competition.

At the beginning of the book, the author suggests that the reader evaluate their own profile, their connections, whether their followers are relevant to their objective or business, providing tips for attracting new followers, engaging them, converting them into customers and measuring this entire operation.

In the next chapter, Aline details four pillars for generating authority on social media, talking about positioning, repositioning, target audience, common mistakes and teaching how to build a “digital persona”.

The next topic addressed is the importance of the influencer's or brand's story being consistent. Therefore, the author talks about the need to have storytelling capable of transmitting information and creating deep emotional connections, making people or brands more human, relevant and memorable for their audiences.

According to Aline, it is necessary to create narratives that inspire, engage, and resonate with people's values and desires. In a world full of messages and stimuli, storytelling stands out as the universal language that touches the heart before reaching the mind, awakening curiosity and creating a bond between the storyteller and the listener.

Another highlight is the description of the main archetypes that dominate social networks, their differences and the tips that will guide the reader to define their ideal profile through exercises and reflections.

Another step is to organize the information to have an impactful Bio and a schedule of relevant posts, with suggestions for images and layout, tips for recording videos and using other content that can add value and relevance to the profile.

Aline also proposes a self-analysis so that the reader can overcome blocks, fears and beliefs that prevent them from exposing themselves and gives them tools so that they can explore their image, discover their best angles, as well as tips on lighting, posture and other essential details to build their image.

In the end, the author addresses tools to boost growth on social media, bringing up topics such as partnerships, ads, metrics, investments and success stories capable of inspiring those who want to enter this world with authority to really make a difference.

The Importance of ESG in the Trump Era

The rise of Donald Trump to power in the United States brought about several changes in the government's approach to environmental, social, and governance (ESG) issues. Since the beginning of your administration, there has been a clear weakening of environmental regulations, a less strict stance on social issues, and an emphasis on deregulation of the market.

However, even in the face of this adverse political scenario, the concept of ESG has maintained its relevance and may continue to grow, driven by the financial market, institutional investors and consumers.

The Trump administration implemented a series of measures that weaken ESG regulations, mainly in the environmental sector. Among the main actions, the following stand out:

a)The United States' withdrawal from the Paris Agreement, weakening global climate commitments;

b)Relaxing Environmental Protection Agency (EPA) regulations, reducing restrictions on industrial emissions and natural resource exploitation;

c)The repeal of rules that required transparency from companies regarding socio-environmental impacts.

These actions signal a retreat in the ESG agenda from a governmental perspective. However, paradoxically, this movement can trigger a stronger response from the private sector and international markets, which tend to reinforce their own ESG guidelines.

The European Union (EU) has been one of the most active regions in creating rules to ensure that companies operate sustainably and responsibly. One of the main regulatory milestones is the Corporate Sustainability Reporting Directive (CSRD), which requires companies to disclose detailed information about their ESG practices.

In addition, there are other important rules:

a)EU Taxonomy – Defines criteria for classifying sustainable economic activities;

b)Sustainable Finance Disclosure Regulation (SFDR) – Requires investors and financial institutions to report the ESG impact of their investments;

c)Corporate Sustainability Due Diligence Act – Requires companies operating in the EU to conduct audits to ensure their supply chain complies with environmental and human rights standards.

Despite the regulatory dismantling promoted by the federal government, companies and investors realized that ignoring ESG could pose financial and reputational risks. Large investment funds have begun to demand greater ESG transparency, considering that environmental, social, and governance factors directly impact long-term profitability.

In addition to investors, consumers themselves play a crucial role in maintaining the relevance of ESG during the Trump era. The new generations also demonstrate their preference for ESG in the workplace. Millennials and Generation Z choose jobs not only based on salary but also on the company's alignment with their values.

New generations make consumption choices based on values and socio-environmental impacts. According to a study by Bain & Company, a management consulting firm, over 70% of millennials are willing to pay more for sustainable products. Generation Z follows the same trend, being even more demanding of brands that demonstrate a real commitment to ESG. In other words, they prefer to consume from brands aligned with sustainable and socially responsible principles. This factor may encourage companies to maintain ESG strategies regardless of the government's stance.

Since the beginning of Trump's administration, there have been a series of actions aimed at dismantling or reducing the effectiveness of diversity and inclusion programs in the public sector. The Trump administration took a critical stance towards several initiatives aimed at promoting racial, ethnic, and gender diversity at the federal level, many of which had been strengthened in previous administrations.

The goal of many of these actions was, as their supporters argued, to eliminate what they called "racial preference" or "reverse discrimination." However, these actions generate significant controversy, with diversity advocates arguing that the government is regressing on the progress made over the years.

The dismantling of diversity and inclusion programs faces resistance within the federal government itself. Various agencies, such as the Department of Defense, continued to conduct diversity training independently, and some public leaders protested against Trump's orders, advocating for the importance of a diverse and inclusive workforce for the government and federal agencies.

Furthermore, some civil society organizations and human rights defenders challenged several of these actions in court, arguing that they violated constitutional rights and laws promoting equal opportunities. Meanwhile, with the support of conservative political figures, the changes implemented by Trump had a significant impact on resource reduction and the adoption of more inclusive policies in the public sector.

Even with a government seeking to weaken ESG programs, the concept remains relevant, driven by investors, consumers and international regulations.

The Trump era demonstrates that, although government decisions can affect the speed of ESG adoption, the global market and society continue to demand transparency, sustainability, and social responsibility. Companies that ignore this trend may face reputational and financial risks, while those that maintain an ESG commitment can strengthen themselves in the global landscape.

Magis5 launches free e-commerce maturity diagnostic tool and boosts sales

If you have an online store, you must have wondered: is my e-commerce on the right track? What can I improve to sell more?

The paulistaMagis5has just released a free toolMaturity Diagnosis to help retailersto better understand the performance of their e-commerce, offering valuable insights on what can be improved to increase sales.

The analysis is conducted through a detailed questionnaire about the e-commerce operation. Based on the responses, the platform uses Generative Artificial Intelligence, integrated with a Magis5 database, to provide personalized insights and practical recommendations, based on successful cases already validated in the market.

The company has partnerships with the main players in the market, such as Amazon,Free Market, SHEIN,ShopeeMagalu, AliExpress, AmericanandWoodWood, and, through its own technology, automates processes such as creating advertisements, managing inventory, shipping and financial control, while offering real-time dashboards for a strategic and detailed view of the entire operation.

Now, in addition to automation, the company uses its expertise to offer the diagnostic and analysis tool."The Brazilian e-commerce market is projected to surpass R$ 234 billion in revenue by 2025, according to ABComm, and in this scenario, tools that assist in understanding the business's strengths and weaknesses are essential for those seeking sustainable growth," saysClaudio Dias, CEO from Magis5.

How the E-commerce Maturity Diagnosis works

Magis5's tool, in addition to being completely free, is easy for the retailer to use, as they provide the information themselves to generate their results. The diagnosis begins with an assessment of e-commerce maturity. The tool identifies which stage the business is in and which areas require greater attention. "This initial analysis is important for managers to understand their position in the market and to outline strategies aligned with their needs quickly and practically," explains Claudio.

In addition to identifying strengths and weaknesses, the tool provides practical recommendations to optimize processes, improve management, and increase operational efficiency. "Based on the analysis, entrepreneurs receive targeted guidance to correct deficiencies and explore their competitive advantages," highlights the CEO.

With a simple interface, the platform is suitable for both those with experience in e-commerce and those just starting out.

According to the company, the diagnosis can be an important ally to adjust strategies before major retail dates, such as promotions and holidays. Our commitment is to provide a solution that adds real value to businesses, enabling strategic planning focused on sustainable growth. The current moment is ideal for entrepreneurs to take care of their business health. With available time to implement new tools and test applications before busy periods such as Mother's Day and Black Friday, companies have the opportunity to lay the groundwork for solid growth in 2025.

Customer relationships improve with sentiment analysis

In today's dynamic digital corporate environment, the ability to extract strategic insights from raw data has become essential to maintain competitiveness. customer interactions contain a huge amount ofinsightsvaluable.

“By adopting the ideal tool, the company can transform these interactions into results, improving processes and increasing operational efficiency”, comments theCEOfrom Total IP, Carlos Henrique Mencaci. Next, he lists three possibilities to enhance the management of this information:

Audio Transcription

The operation quickly converts sound files into clear and accurate texts. This reduces errors and frees the team to focus on more strategic activities. "Thus, it facilitates access to essential elements for agile decisions. Additionally, the system stores records in a simple and organized manner. In this way, daily communications become a structured database," he explains.

Data analysis on transcripts

Transcribing audios is just the first step, but the real difference lies in the analysis. "It serves to map patterns, identify trends, and find opportunities for improvement in the customer journey. With this action, the manager discovers emerging patterns in interactions, notices recurring problems, and directs investments to priority areas," highlights Mencaci.

Application of Artificial Intelligence

Artificial Intelligence can take the consumer experience to another level. "Our solution uses real transcripts for training"botsand virtual assistants, ensuring more humanized and efficient service. Robots are enhanced with real conversations, providing better understanding of dialogues. "With each contact, the responses are refined and more aligned with the user's needs," affirms the executive. With this technology, the enterprise offers high-quality automated support without compromising personalization and context.

Having these tools transforms business management, offeringinsightsstrategic to optimize processes and decisions. This modernization enhances operational efficiency, improves information accuracy, and ensures exceptional support to the public. Customer satisfaction is the best marketing for a business.

Short deadline: companies have less than a year to be ready for tax reform

Less than a year remains for companies to adapt to the tax reform. Regulated last January, the new rules will come into effect in January 2026. The implementation will be progressive and should be completed by 2033. What an extra complexity represents: until then, it will be necessary to coexist with two current models – the existing one and the new one. What also requires preparation.

"Time is running out, and the shift to a new tax era in Brazil is closer than many imagine," warns tax expert Lucas Ribeiro, CEO of ROIT, an artificial intelligence company for the management of accounting, tax, and financial organizations. Ribeiro has been directly involved in debates and the development of the tax reform since 2019. In 2023 and 2024, he served as a speaker at public hearings in the National Congress, highlighting potentials and bottlenecks, as well as directly advising senators and deputies.

“It’s like a giant clock counting down in all companies in Brazil. With less than a year to fully adapt, companies from all sectors need to face one of the most transformative reforms in Brazilian history. And, as in every race against time, those who are prepared come out ahead and win,” he reiterates.

The approval of the tax reform brought about profound changes to the tax system, consolidating taxes, altering rates, and introducing new concepts such as dual VAT and split payment. VAT – Value Added Tax – is dual because it consists of two taxes: Goods and Services Tax (GST) and Goods and Services Contribution (GSC). The split payment will be an instrument for collecting taxes at the time of financial settlement, linking the invoice key with the payment key, and vice versa.

But the transition is not just a matter of calculation, warns tax expert Lucas Ribeiro, CEO of ROIT, an artificial intelligence company for accounting, tax, and financial management. Ribeiro has been following and participating in public debates about tax reform since 2019. "The transition to the new tax era is a multidimensional challenge that requires process reorganization, system adjustments, and, most importantly, a strategic vision of the impact on the business."

The expert adds: “Companies that do not act in time run the risk of losing competitiveness and facing serious financial losses. This is a time when knowledge and technology become indispensable weapons,” warns Lucas Ribeiro, tax specialist and CEO of ROIT.

The adaptation to the reform involves several critical fronts, explains Ribeiro. They are:

  1. Contract review and renegotiation with suppliers: How will the costs be passed on?
  2. Price and profit margin review: The new taxation directly impacts the pricing of products and services.
  3. Improvement of control systems: Companies need tools that integrate tax, financial and logistical data in an accurate and automated way.
  4. Team training: A well-informed and prepared team can make all the difference in the transition to the new model.

Why is the deadline so critical?

The deadline seems short because it is. Even if the reform only comes into full effect in 2026, the transition phase requires adaptation already in 2025. "Companies practically have until 2025 to straighten out their operations and prepare for the consolidation of the rules." It's not just about complying with the law, but about adjusting strategies to survive in this new environment," reinforces Ribeiro.

And here's the biggest mistake many are making:ignore the details.It is common to see companies believing that it is enough to adapt their accounting systems or follow what competitors are doing. However, each sector, each business model has particularities that require detailed analyses and customized actions.

Technology as an ally

With the complexity of the changes, artificial intelligence-based technologies, such as those developed by ROIT, are gaining prominence. Tools like the Tax Reform Calculator allow for precise simulations, real-time impact analysis, and even suggestions for best market practices.

According to Ribeiro, “the difference is not simply calculating the new tax rate, but guiding companies in interpreting the data for strategic decision-making. The reform is not just a challenge; it can be an opportunity to boost business.”

And the future?

For the specialist, the year 2025 will be "decisive" in defining "winners and losers in the new tax era." Companies that anticipate and master the numbers will be better prepared to face changes, he emphasizes. Those who leave things to the last minute, believing that the adaptations will be simple, may face a scenario of loss and lack of competitiveness. Therefore, if your company has not yet started to prepare, now is the time. The clock is ticking, and your organization's future may depend on the decisions made today.

5 mistakes that can be avoided in e-commerce with integration between management and logistics systems

E-commerce is expected to generate R$ 224.7 billion in revenue in 2025, with a 10% growth, according to ABComm. Therefore, it is crucial to retain customers through convenience, efficient deliveries, and logistics integration with management software, which reduces errors, improves the shopping experience, and gives the entrepreneur more control over the work.

The product marketing director at Omie, a cloud-based management platform (ERP), José Adriano Vendemiatti, lists the main problems that can be avoided with systems integration — a feature that allows entrepreneurs to access, directly through the software, services from other companies, such as logistics partners.

1 – Lack of agility and high operating costs

Lack of automation leads to inefficient processes and increased operational costs. The integration of the ERP with the logistics service enables scheduling product deliveries directly through the system, simplifying processes and ensuring greater agility. Companies can manage logistics expenses more efficiently, providing a more affordable and competitive service.

“It is also possible to obtain a freight quote, hire the logistics service — with the value automatically filled in on the sales order —, issue the shipping label and track the delivery at every stage of the journey,” explains Vendemiatti.

2- Incorrect and delayed delivery

The shipping deadline impacts the purchase decision of 53% of consumers, according to Opinion Box's survey. The director warns that the lack of an integrated system can compromise this choice and cause failures in order processing, resulting in delays. With an ERP linked to logistics, entrepreneurs can monitor all sales on a single platform and track delivery routes with real-time updates.

Furthermore, the lack of digitized management can lead to manual errors. The integration ensures greater processing accuracy, guaranteeing that each customer receives exactly what they purchased.

3- Difficulty in trackingVendemiatti highlights that, without an automated system, customers may have difficulty tracking their orders. The synchronization between ERP and logistics allows automatic updates on order status, providing more transparency and trust to the consumer.

4- Lack of inventory controlEfficient inventory management is essential to increase sales and enhance the shopping experience. Among the advantages are waste reduction, control of product entry and exit, and identification of the best-selling items. Lack of communication between distribution and volume can cause stockouts or excess merchandise. With an integrated ERP, it is possible to monitor storage in real time, preventing unavailability or loss.

5- Tax errors and errors in issuing invoicesManually issuing invoices increases the risk of errors and may result in penalties. With automation, document issuance occurs securely and within regulations, ensuring compliance with current legislation.

Thus, for the entrepreneur operating in e-commerce, investing in an integrated platform, such as an ERP, is not just a choice but a strategic necessity. "In conclusion, automation and integration between management systems result in greater control over the business, a more satisfying shopping experience for the consumer, and consequently, sustainable growth for the company," concludes the Omie director.

Event brings together giants of entrepreneurship, with the theme “the big mistakes”

Brazil reached the milestone of 90 million entrepreneurs, according to the Global Entrepreneurship Monitor (GEM) survey. However, few openly address a fundamental aspect of this journey: mistakes. On March 29th, Blue Tree Alphaville will host an innovative event that offers a new perspective on the challenges faced in the business world. With the theme THE BIGGEST MISTAKES, the Mercado & Opinião Conference 2025 will bring together a select group of business leaders to share real stories of setbacks, twists, and lessons that shaped their paths to success.

The event arises with the proposal to demystify failure, showing how setbacks can become trampolines to success. After all, for every large established company, there are stories of failed attempts, reboots, and invaluable lessons. Organized by entrepreneurs Paulo Motta and Marcos Koenigkan, it will feature prominent names who are references in their fields and lead some of the country's largest companies. Participants will have access to valuable insights from entrepreneurs who faced enormous challenges, overcame crises, and now hold prominent positions in the market.

For Marcos Koenigkan, understanding the challenges faced by major entrepreneurs is essential for those seeking to grow in the market. "We assembled a top-notch team to share real stories of challenges and overcoming. We want to inspire and empower entrepreneurs to face their own adversities with resilience and creativity," he/she states.

Confirmed speakers include:

Alfredo Soares– Founder and Manager at G4 Education

Cris Arcangeli– Serial entrepreneur and Shark Tank Brazil investor

John Appolinario– Founder and CEO of Polishop

Richard Albanesi – CEO da The Led

Paul Vieira– Master Coach and CEO from Febracis

Janguiê Diniz– Founder of Ser Educacional

Thiago Rebello– CEO of RiHappy

Junior Borneli– CEO and Founder of StartSe

John Rodgerson– CEO of Azul Airlines

Carol Paiffer– CEO of Atom Educational

With a dynamic and interactive format, the panels will be conducted in an engaging manner, encouraging the exchange of experiences and promoting active audience participation. The audience will have the unique opportunity to interact with the speakers, clarify doubts, and absorb strategies applicable to their own professional path. "We believe that learning often comes from mistakes made. Our goal is to provide an environment where participants can absorb valuable lessons and apply them to their own businesses," highlights Paulo Motta.

The spots are limited and interested parties must secure their participation as soon as possible. The event promises to be a milestone for those who wish to turn challenges into opportunities and reach new heights in their careers and businesses.

Service

Data: March 29, 2025

Time: From 8am to 7pm

Local: Blue Tree Alphaville

Address: 1000, Sao Paulo

Expecting to issue 150,000 cards in 2025, Pinbank expands portfolio and launches Mastercard cards

THEPinbankone-stop-bank-provider with a complete ecosystem of financial solutions announces one of the first updates of 2025: the launch of Mastercard prepaid and postpaid cards, with the prepaid card having gone into production in January and the postpaid card scheduled for March.

The product will be made available to the fintech's client companies, and the expectation is to reach the end of the year with a total of 150,000 cards issued, mainly in the CoBranded format.

“More than increasing our competitiveness in the market, this launch represents our concern in constantly finding new ways to increase our partners’ customer retention capacity, further evolving the experience of our audience”, says Felipe Negri, CEO of Pinbank.

What are the benefits of the cards?

With the documentation duly approved, all Pinbank clients now have access to Mastercard cards. After that, the product ensures that users perform more personalized transactions with greater agility.

"For us, as a card issuer, reducing costs and intermediaries helps us offer a more personalized, dynamic, and efficient service," says the CEO. "It is a launch that represents an important step towards diversifying and developing our portfolio. May this be just the beginning, with continuous growth and the attraction of new business," he concludes.

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