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Generation Z is more ambitious than Millennials, survey finds

Young people from Generation Z (born between 1997 and the early 2010s) exhibit higher levels of ambition and are more curious compared to the Millennial generation (born between 1981 and 1996). This is one of the conclusions of the research conducted by Hogan Assessments, in partnership with the Brazilian consulting firm Ateliê RH, a pioneering distributor of the tests in the country.

"The problem is that an image has been created that the young people of Generation Z are not as ambitious as previous generations, and that they prefer to have a better quality of life," says Roberto Santos, partner-director of Ateliê RH. "Actually, Generation Z has de-romanticized the relationship with work. They are more interested in making money," says the expert.

A survey conducted by YouGov in 2024 on generational differences in Latin America indicates that, in reality, the biggest difference between Generation Z and other generations is that these young people have a completely different relationship with their professional trajectory: only 43.5% declared to love their work – the lowest number among all generations compared in the study (Millennials, X, and Baby Boomers). Furthermore, 47.4% of young Latinos are much more focused on making money than on advancing their careers, according to the research institute.

"Another point that differentiates Generation Z is the approach to learning – young people prefer formal learning over a more practical approach," Santos points out. Messages, posts, books: reading is valued among Gen Z youth, who read more (59%) than their Millennial predecessors (53%). The habit is already reflected, for example, in libraries, which have gained a new lease on life: their most frequent visitors are between 16 and 24 years old, according to a survey conducted by Ibope/Instituto Pró-Livro last year.

“On the other hand, Gen Z can get bored more easily than their predecessors. And this difference occurs, in large part, because these young people are digital natives – for them, the screen experience has been part of their daily lives since an early age – when the iPhone 3G arrived in Brazil, in 2008, the oldest children of Generation Z were 11 years old. The instantaneousness of obtaining information and relationships is something normal, unthinkable for previous generations”, highlights Santos.

Is arrogance a problem for this generation?

Common sense and research conducted by magazines and consulting firms point to arrogance as a major "Achilles' heel" of these young people, as they have disproportionate expectations regarding their career progress, overestimating their own competence. It is also reported that young people are less open to criticism and feedback – which has been affecting their progress in jobs.

On the other hand, the Hogan Assessments study, considering the Brazilian population, does not identify the "Arrogant" scale of the Hogan Challenge Inventory differentiating Millennials and Generation X, perhaps somewhat in relation to Baby Boomers. However, I note that in the overall sample for all generations, the index of this scale is significantly lower but follows the same pattern that it is not a typical trend of Generation Z.

The question remains as to whether, particularly in Brazil, the tendency to display arrogant attitudes is also linked to disillusionment with the work environment, and a negative outlook towards the market in general, and a distrustful attitude towards the promises of the corporate world.

Altruistic and business-minded

Although they are often portrayed as detached or uninterested in their careers, Generation Z youth show great concern for social impact and business ethics. Hogan Assessments' research indicated that they have significantly higher scores on the Altruism scale, which suggests a strong desire to contribute to societal well-being and to be part of companies with purpose and positive impact.

This is reflected in the way they choose their employers and brands they associate with. Companies that demonstrate a genuine commitment to diversity, sustainability, and social responsibility are more likely to attract and retain Generation Z talent. This characteristic can pose a challenge for organizations that do not have a clear alignment with these values, as this generation tends to avoid brands they consider inconsistent or involved in questionable practices.

At the same time, Generation Z youth show a significant interest in financial issues and business strategies. The research revealed that, compared to Millennials, they have a lower motivation for scientific and academic values and a higher motivation for financial gains and commerce. This data reinforces the idea that, for this generation, professional success is directly linked to remuneration and financial stability, and not necessarily to prestige or hierarchical advancement.

Hogan's study was based on tests answered by 23,000 people in Brazil between 2001 and 2022. The analysis was conducted based on the comparison of the three main Hogan assessment tools: the HPI, which describes normal personality or the "bright" side of personality; the HDS, which assesses the "shadow" side, manifesting in behaviors that appear during stressful moments; and the MVPI, which measures a person's motives, values, and preferences, helping to understand what drives them. The Hogan assessments were created based on a specific methodology for the corporate world.

Oracle Announces Third-Quarter Fiscal 2025 Financial Results

Oracle Corporation (NYSE: ORCL) announced today the results of the third fiscal quarter of 2025. The total remaining Performance Obligations increased by 62% year-over-year in US dollars and 63% in constant currency, to $130 billion. Total quarterly revenues increased by 6% year-over-year in US dollars and 8% in constant currency, reaching US$ 14.1 billion. Cloud services and license support revenues increased by 10% year-over-year in US dollars and 12% in constant currency, reaching $11.0 billion. Cloud and on-premises license revenues declined by 10% in dollars and 8% in constant currency, to $1.1 billion.            

GAAP operating profit for the third quarter was $4.4 billion. Non-GAAP operating profit was $6.2 billion, 7% higher in US dollars and 9% higher in constant currency. GAAP operating margin was 31%, and non-GAAP operating margin was 44%. GAAP net income was $2.9 billion, a 22% increase in US dollars and a 27% increase in constant currency. Non-GAAP net income was $4.2 billion, a 6% increase in US dollars and a 9% increase in constant currency. GAAP earnings per share in the third quarter were $1.02, 20% higher in US dollars and 25% higher in constant currency, while non-GAAP earnings per share were $1.47, 4% higher in US dollars and 7% higher in constant currency.

Short-term deferred revenues were $9.0 billion. In the last twelve months, the operating cash flow was $20.7 billion and the free cash flow was $5.8 billion.

"Oracle signed sales contracts worth over $48 billion in the third quarter," said Oracle CEO Safra Catz. This record sales number boosted our Remaining Performance Obligations (RPO) by 63%, to over US$130 billion. We have already signed cloud contracts with several leading global technology companies, including OpenAI, xAI, Meta, NVIDIA, and AMD. We expect our massive US$130 billion sales pipeline to help drive a 15% increase in Oracle's overall revenue in our upcoming fiscal year, which begins in June. And we anticipate RPO to continue growing rapidly, as we look forward to signing our first contract with Stargate – another great opportunity for Oracle to expand its AI training and inference business in the near future.

"We are on schedule to double the capacity of our data center this year," said Oracle founder and CTO, Larry Ellison. Customer demand is at record levels. Our MultiCloud database revenue from Microsoft, Google, and Amazon increased by 92% in just the last three months. GPU consumption for AI training grew by 244% over the past 12 months. And we are seeing huge demand for AI inference on our customers' private data. That’s why we are connecting OpenAI ChatGPT, xAI Grok, and Meta Llama directly to Oracle Database 23ai with advanced vector capabilities. This new product, called Oracle AI Data Platform, makes it easier for customers to use any of the world’s leading AI models to analyze all their private data—while keeping all their data private and secure.

Oracle also announced that its Board of Directors declared a quarterly cash dividend of $0.50 per common share, reflecting a 25% increase from the current quarterly dividend of $0.40. Larry Ellison, Chairman of the Board, Chief Technology Officer, and largest shareholder of Oracle, did not participate in the deliberation or the voting on this matter. This dividend increase will be paid to shareholders registered at the close of business on April 10, 2025, with a payment date of April 23, 2025.

Data Monetization and New Formats: The Path to the Retail of the Future

Brazil is heading towards a new population configuration: according to Ipea, by 2030, there will be 21 million more elderly people and 8 million fewer young people. This aging population, combined with the increase in smaller households and the growth of the pet market, is creating new demands for retail.

According to Fernando Gibotti, CEO of CRM & Consumer Science atRock EncantechAdapting to the new reality requires innovative strategies and a focus on intelligent data use. "Companies that want to lead this new era of consumption need to understand the new societal landscape and prepare the right plans," says Gibotti.

Furthermore, a study by the National Confederation of Commerce of Goods, Services, and Tourism indicates that more than half of Brazilian families are in debt, and the growth of online betting is affecting budgets. According to Gibotti, this scenario presents a more selective consumer, and with digital competition and delivery platforms, it has been putting pressure on brick-and-mortar retail.

“Customers have changed their relationship with retail, seeking convenience, fair prices and personalized experiences. The demographic transition also requires retailers to be prepared to serve different generations with segmented offers, new store formats and a portfolio tailored to the public,” observes Gibotti.

To ensure competitiveness, retail must adopt innovative strategies that maximize the customer experience and drive new revenue models. Some of the main trends include data monetization, the reinvention of store formats, and the adoption of extended gondolas.

Data Monetization: Retail as a Smart Ecosystem

Retail generates a huge amount of information daily about purchasing behavior, preferences, and consumption patterns. Data monetization transforms this valuable asset into new revenue opportunities.

Two approaches have stood out:

  • Personalization and engagement: the use of artificial intelligence allows you to segment customers and create highly targeted campaigns, increasing conversion and loyalty.
  • Retail Media and Commercial Partnerships: Retailers can create advertising space on their digital platforms, allowing brands to invest in advertising directly to qualified consumers.

Rock Encantech, for example, already delivers 3.5 billion personalized communications per year, helping retailers optimize their loyalty and sales strategies.

New store formats: efficiency and experience at the heart of the strategy

With changes in consumer behavior, the traditional format of large physical stores needs to be reevaluated. Trends indicate a greater appreciation for smaller, hyperlocal stores, tailored to the neighborhood's profile and with a more targeted product mix.

Furthermore, the in-store experience becomes essential. Brick-and-mortar retail needs to go beyond simple product displays, creating interactive spaces and events that increase customer engagement and loyalty.

Extended shelf: expanding supply without increasing costs

The extended gondola emerges as a smart solution for retailers to expand their offering without having to invest in more physical space or stock.

The operation is simple:

  • The customer accesses a digital catalog within the store itself or via online channels.
  • He can buy products that are not physically available at the unit, but that will be delivered directly by distribution centers or by the industry.
  • Retail becomes a strategic intermediary, adding value to the consumer experience without traditional operational costs.

This model maximizes sales, using customer flow and brand credibility as competitive advantages.

He concludes that the ability to transform information into strategies, combined with a focus on personalization and innovation, will define the market leaders. "Whoever knows how to combine technology and humanization will have a competitive advantage," concludes Gibotti.

Netshoes unites generations passionate about sport in 25th anniversary campaign

Netshoes, the largest sports and lifestyle e-commerce in the country, celebrates its 25 years of history with a campaign that reinforces its connection with the "Generation N" — a community created by the brand and passionate about sports, regardless of age. Launched this Monday, March 10th, the communication conveys the message that "at Netshoes, everyone finds themselves," which reflects the power of sport to unite different generations.

"We are celebrating not only our journey but also our commitment to connecting generations through a passion for sports," says Gabriele Claudino, Netshoes' marketing head. Generation N symbolizes a growing movement within the community that seeks quality of life, practicality, and an active lifestyle.

For Fabio Bronco, Branding and Creative Manager at Netshoes, the strategy to celebrate the company's 25 years involves timeless signs that revive visual elements and even iconic aspects from the past. A parallel between opening a store and the customer-product interaction in the Netshoes app told from the perspective of a sports enthusiast. The concept is also reflected in the presence of the N in different versions, aiming to mark a strong campaign that is present throughout the communication.

The materials will be presented to the public in Out Of Home media, the company's social networks and digital media, and will permeate the brand's campaigns throughout the year.

On Instagram, Netshoes will explore the theme of 2000s nostalgia, the era when the brand and the generation now 25 years old were born. For this, the main spokesperson of the influence team will be singer Kelly Key – who has over 9 million followers and brings this connection to the nostalgia of the 2000s. They also strengthen the team with athlete Anabel Nascimento and illustrator Elaine Pereira.

For consumers, the brand invests in promotions with up to 80% off and in gamification, such as a coupon generator that releases a new discount every hour through app notifications. Among the highlighted products are "generational" sneakers, with classic models like Converse, which have marked several generations and continue to be icons of style and performance.

Success story

Over the years, Netshoes has established itself as a trusted platform and the main shopping destination in the sports universe. A marca offers products for various sports modalities and items for those who adopt sports as a lifestyle, the "sportstyle," with quality, comfort, and style for its customers.

Furthermore, it has always been guided by a focus on delighting the customer with a wide range of products, the quality and origin of the brands, and fast, guaranteed delivery. Recently, the brand updated its positioning and included a redesign of the logo and a change of slogan to "Go at your own pace." These changes mark a new step towards an expanded product portfolio. The strategy also includes adding new elements to the relationship with the consumer, with more content, influence, and exclusive events for the sports universe.

From Keywords to Instant Answers: The Impact of AI on Search Engines

The integration of artificial intelligence into web search engines is revolutionizing the way we consume information in the digital age. Search engines, which for decades were limited to interpreting keywords and indexing content linearly, have now evolved into complex systems capable of understanding user intent and providing highly personalized and contextualized responses.

Technologies such as natural language processing and visual pattern recognition have made it possible for machines to "understand" what we are looking for, even when our queries are vague or poorly structured. Instead of just listing pages with matching words, modern search engines use machine learning algorithms to predict our actual needs, based on the context of previous searches, location, and even online behavior. This evolution represents a paradigm shift, positioning AI as the protagonist in the search experience.

Meanwhile, this progress brings significant challenges. The automation of responses and the delivery of direct summaries, features of AI-based systems, are transforming the way we browse the internet. Previously, a click on a website was essential to access information; today, a question asked to an AI-powered search engine can provide an accurate answer without the user leaving the page.

Gartner's 2024 studies indicate that the volume of searches on traditional engines will decrease by 25% by 2026, as search marketing loses ground to the growing adoption of AI chatbots. This scenario reflects a broader shift in consumer behavior and SEO strategies, intensified by Google's 2024 Core Update algorithm update. This update had a significant impact, profoundly changing the way websites are ranked.

As a result, many websites experienced sharp declines in organic traffic, while small independent publishers, who focus on creating high-value content, saw unexpected growth. This new landscape requires SEO strategies to evolve. If keywords and backlinks were previously the main factors, now it is essential that content is optimized to interact with AI algorithms, taking into account aspects such as language semantics and the structure of materials. To stay competitive, companies and content creators need to adapt to this new digital reality.

Another crucial point is the impact of this evolution on the user experience. Although automated responses save time and offer convenience, they can create an overreliance on algorithms. This can limit the user's autonomy in seeking more in-depth or alternative information, while at the same time consolidating the power of major technology providers.

The future of online searches with AI challenges us to rethink our relationship with information. As consumers, it is essential that we seek a balance between the convenience offered by these technologies and the depth that active web exploration can provide. For companies, adapting to new dynamics is more than a necessity; it is a matter of survival in a rapidly evolving digital market.

AI-powered search is shaping the next generation of the internet, and all of us, as consumers and content creators, must be prepared to navigate this transformation with strategy, ethics and innovation.

ABcripto proposes adjustments to the Central Bank's regulations to ensure legal certainty and competitiveness in the crypto market

The Brazilian Association of Cryptoeconomics (ABcripto) submitted its contributions on February 28th to Public Consultations 109/2024, 110/2024, and 111/2024 of the Central Bank of Brazil (Bacen), which establish the foundations for the regulation of virtual asset service providers (VASPs). The entity evaluates the proposals positively but suggests adjustments to strengthen legal certainty, ensure investor protection, and preserve Brazil's competitiveness in the global scenario.

For Bernardo Srur, CEO of ABcripto, sector regulation needs to balance innovation and consumer protection without imposing excessive restrictions on companies. "Regulatory advancement is essential to provide predictability to the market and encourage long-term investments. Our priority is to ensure rules that guarantee customer safety, promote innovation, and position Brazil as a competitive environment for digital businesses. The Central Bank has been conducting an open and technical dialogue, and we remain committed to contributing to a modern and efficient regulatory framework," says Srur. The contributions of ABcripto were developed collaboratively by its members, led by the Central Bank Working Group and the Taxation, Exchange, and Stablecoins Working Group, and include suggestions to improve the regulation of the sector.  

The full contributions are available atABcripto website 

Check out ABcripto's main contributions to the Central Bank 

Public Consultation 109/2024 – Regulation of PSAVs 

  • Asset segregation and risk management:Ensuring the separation between PSAV assets and client assets is essential for market security. A ABcripto historically defends the practice and has proposed improvements to the requirements.
  • Preservation of confidentiality and information security:The strengthening of data protection regulations is essential to ensure that clients' and companies' financial and personal information are safeguarded against unauthorized access and cyber threats.
  • Clear definition of PSAV types:The regulatory proposal establishes distinct categories for the different agents in the sector, such as liquidity providers, intermediaries, custodians, and brokers, ensuring appropriate rules for each operating model and avoiding disproportionate requirements.
  • National market competitiveness and regulatory balance:The standards must be compatible with international best practices and regulatory equivalents to ensure that companies maintain their sustainable development, preserving dynamics and innovation, reducing the possibility of regulatory arbitration, without adding unnecessary controls that could compromise the sector's competitiveness and integration with international markets.
  • Review of regulatory interconnection between different regulators:A clear delineation of the regulators' competencies is essential to avoid role overlaps and interdependence effects that may lead to regulatory gaps, legal uncertainty, and delays, ensuring a more predictable and efficient business environment.
  • Adequate timeframe for regulatory compliance:A well-structured transition period allows PSAVs to make necessary adjustments without compromising their operations, ensuring gradual adaptation to the new requirements.

Public Consultation 110/2024 – Authorization Processes for the Operation of PSAVs 

  • Efficient licensing process:The creation of a swift authorization process proportional to the size of the companies promotes innovation in the sector.
  • Governance and compliance:Aligning governance requirements with best practices in the financial market is essential to ensure transparency, operational solidity, and efficient accountability mechanisms.
  • Structured regulatory transition:Regulation must be implemented gradually, allowing PSAVs to adjust their internal processes and operational structure without negative impacts on the market and investors.
  • Flexibility for companies of different sizes:Regulation should take into account the size and complexity of PSAVs' operations, ensuring that regulatory requirements are proportional to their scale of activity.

Public Consultation 111/2024 – Exchange Rules for Virtual Assets 

  • Differentiation between foreign exchange transactions and transactions with virtual assets:Stablecoins and other digital assets have their own characteristics that need to be considered to prevent them from being automatically equated with traditional foreign exchange operations, thereby avoiding distortions in the sector.
  • Avoid barriers to the international market:The regulation should allow Brazilian companies to operate globally without restrictions that could compromise their competitiveness and innovation in the digital assets sector.
  • Self-custody and prevention of money laundering:A balance between preventing illicit activities and the operational viability of PSAVs must be maintained, ensuring that self-custody remains in place and that controls for different types of illicit activity prevention can be incorporated safely and efficiently.
  • Clarification of the role of stablecoins:The differentiation between types of stablecoins and their respective functions in the market should be incorporated into regulation, avoiding generic restrictions that could limit their use.
  • Adaptation to market dynamics:The regulatory model must take into account the specifics of decentralization, technological innovation, and the globalization of the sector, ensuring that the regulations are appropriate to the sector's reality.
  • Competitiveness of the national market and integration with the global market:The review of obligations that impact the national market is essential to preserve market liquidity and ensure that regulations do not make existing business models in the global cryptoasset landscape unviable.
  • Continuous collaboration with the Central Bank:ABcripto reinforces its commitment to working alongside the regulator to build a balanced, efficient regulatory framework focused on the sustainable growth of the cryptoeconomy in Brazil.

What to never forget when implementing a loyalty program

The numbers prove it: loyalty programs have become popular among Brazilians. Whether they are consumers seeking discounts, benefits, and other advantages; or entrepreneurs and companies that see loyalty as a way to improve customer relationships and bring positive returns to the business. Data from ABEMF (Brazilian Association of Loyalty Market Companies) indicate that the number of enrollments in such programs in the country is increasing every year. There are already 320 million registrations, according to the latest study released by the association (3T24).

With this market boiling, companies that want to invest in loyalty often wonder which path to take. What type of program to adopt? How to truly turn relationships into business? The answer to all these questions is: it depends.

Before implementing a loyalty program, the recommendation is always to study your business, outline and understand your goals and objectives, and get to know the profile of the clients you have and want to attract. Although the characteristics of a good loyalty strategy are specific to each business, there are some general rules that can greatly assist those who are starting on this journey or even those who already have a loyalty program and want to make it more effective. We list here some of the items that cannot be forgotten along the way.

Engagement- A loyalty program can have various goals. Bring more people to the store, increase the number of items in each purchase, gain through recommendations and brand promotion on social media. What they all have in common can be summarized in one word: engagement. In the end, what a loyalty program needs to do is engage and direct behavior in a way that is profitable for the business. So, always consider your customers' behavior when developing loyalty strategies.

Data collection and analysis- With so much technology available, there are countless tools that can help a company with data, information, and insights about the business. Regardless of which platforms you will use, keep in mind that you cannot neglect to monitor the progress and results of your program. Is your program really changing behavior? Are the customers buying more? Did the recurrence increase? Who are your most loyal customers? What are your preferences? All of these are questions that cannot go unanswered if you want to succeed in your loyalty program. In addition to measuring impacts, this type of information can help correct routes in case of strategy failures.

Communication -As in any relationship, presence and dialogue are essential for the success of a loyalty program. Remember that engagement is built over time and needs to be "nurtured" through frequent interactions, listening, and feedback. But not only that. Communication must be relevant. Use the data you collect to establish this relationship. Show the client that you know them, that you have prepared offers, conditions, and personalized experiences for them, or even that you are attentive to their needs and desires.

Rational and emotionalThe ideal value proposition for loyalty must combine both aspects, the rational and the emotional. It is, of course, important that the customer feels the benefits of participating in the program "in their pocket," through discounts or redeeming a product with points/miles, without needing to spend more for it. But it is also essential that he feels recognized, part of a community, perceives exclusivity, and has good experiences.

Segmentation –People are different from each other and have distinct behaviors. Don't forget to take this into consideration, and take care of your program's segmentation. The possibilities are many. You can consider transactional, demographic, and even generational aspects. But never judge your consumers as people with a single profile.

And one last tip: no loyalty strategy can help you fix fundamental business problems. There is no loyalty program that can fix a bad product or service, poor customer service, or a brand that doesn't deliver on its promises. So, pay attention to these points to avoid harming the relationship with the audience.

*Paulo Curro is the executive director of ABEMF – Brazilian Association of Loyalty Market Companies; Fábio Santoro and Leandro Torres are loyalty specialists, responsible for the loyalty training course, a partnership between the association and Loyalty Academy and On Target.

Android App Ad Fraud Scheme Uncovered by Integral Ad Science

THEIAS Threat Labpublished a new report revealing an extensive and sophisticated ad fraud scheme called "Vapor Threat," which uses fake Android apps to implement endless full-screen intrusive video ads.

This fraudulent operation, called Vapor, gets its name from its ability to "vaporize" any real functionality of the apps, leaving behind only intrusive ads.

Not at all,The Threat Lab has identified over 180 application IDs as part of the Vapor Threat scheme,whathave accumulated over 56 million downloadsandgenerated over 200 million advertising bids daily since 2024,without any real functionality being delivered to users.

The IAS Threat Lab shared the findings with Google, which subsequently removed all the applications identified in the report from Google Play. However, the fraudsters behind the operation created several developer accounts, each hosting only a set of applications to distribute their operation and avoid detection. This distributed setup ensures that the deletion of a single account has minimal impact on the overall operation.

For more information on how apps were designed to mimic legitimate apps, the impact of the fraud on consumers and brands, the scale and timeline of the operation, and more, the full report can be downloaded atfrom this link.

For context, the IAS Threat Lab is a dedicated team of experts focused on identifying and taking down sophisticated fraud operations using malware analysis and reverse engineering to discover emerging threats before they emerge.

Consumer Day: Generation Z tends to prefer buying gift cards as gifts


Consumer Day, celebrated on March 15th, stands out as a significant date for e-commerce in Brazil. Generation Z, composed of young people born between 1995 and 2010, has played a crucial role in transforming the shopping landscape, demonstrating a clear preference for online transactions.

According to the research conducted by Akamai, 74% of Generation Z consumers in Brazil make online purchases at least once a month, highlighting the growing confidence and familiarity of this group with the digital environment. Additionally, 62% of these young people use mobile devices as their main means of making purchases, reinforcing the importance of platforms optimized for smartphones and tablets, according to a study conducted by MeSeems/MindMiners at the request of Google.

Meanwhile, the purchase of gift cards has emerged as a promising trend among Brazilian consumers. This is what the Javelin Strategy & Research report shows, where 67% of Generation Z redeemed online gift cards. "These cards offer flexibility and convenience, allowing beneficiaries to choose products or services of their preference," comments Hidalgo Dal Colletto, CEO of Insys BR.

A survey conducted by Brazil Panels, a full-service market research and marketing consultancy, reveals that gift-giving is a common practice for 68.7% of Brazilians, with variations according to social class. This data reinforces that purchases via gift cards can be more targeted, meeting the expectations and desires of the recipients.

"In the current context, where personalization and convenience are highly valued, gift cards stand out as an effective solution. They eliminate uncertainty in gift selection and give consumers the freedom to choose what they truly want," says Hidalgo.

For retailers, this trend presents an opportunity to engage Generation Z and other segments by providing shopping experiences aligned with contemporary preferences. "Consumer Day, like other retail dates, helps us reflect on the evolution of consumption habits in Brazil, which shows Generation Z leading the preference for online shopping and a growing adoption of gift cards as a practical and flexible alternative for gifting," concludes the CEO.

Payment via chat stands out as the most effective method of e-commerce

The shopping experience has never been so simple and efficient. Payment via chat is changing the way companies and consumers conduct transactions, providing speed, security, and convenience. Poli Digital, a pioneer in this transformation, has already moved R$ 6 million with its Poli Pay feature. The solution integrates and automates customer service on platforms like WhatsApp, Instagram, and Facebook, thanks to the partnership with Meta Group, which ensures access to the official APIs of these networks.

Poli Pay is a Poli solution that allows the consumer to make payments directly through the chat where they are being served. According to Alberto Filho, CEO of Poli, the tool was designed to optimize the payment process in an efficient and integrated way, promoting a smoother and safer experience for both companies and consumers.

Citing market research, such as data from Opinion Box, Alberto Filho states that six out of ten consumers communicate with companies through digital channels to make purchases. Thus, Poli Pay facilitates and thereby encourages the completion of transactions. "It has proven to be a very attractive feature," he/she/they assess.

An indicator reinforces the analysis. According to the CEO of Poli Digital, nearly half (46%) of the orders created via Poli Pay were completed with payment made. This percentage represents twice the rate recorded in traditional e-commerce modalities, where customers create shopping carts until they actually complete the payment.

"Poli Pay is a payment method in which sending and receiving charges are integrated into the contact centralization and automation system of the solution we offer. Thus, from the initial contact made by the customer, through the selection of products, to the completion of the payment, the entire process is carried out through the same contact chat," describes the CEO.

If it means convenience for customers, for companies, Poli Pay's features help boost sales. Alberto Filho explains: "The tool's interface allows the creation of product and service catalogs, with descriptions, prices, and illustrated with photos. Additionally, it enables the creation and sending of the 'shopping cart' with the option of a payment link via Poli Pay."

Poli Digital maintains partnerships with the brands Mercado Pago and PagSeguro. Thus, Poli's system is integrated with those of the two brands. "This integration gives the consumer a variety of payment options — by boleto, pix, or credit card. And the company making the sales receives the amount through these institutions," affirms the CEO.

The company monitors and oversees the entire sales process. "It is possible to manage sales information by customer name, salesperson, payment method, and payment status," he exemplifies.

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