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19 cities in Paraná will host Startup Day 2025

Panels, lectures, and strategic connections are part of the program of the 11th edition of Startup Day 2025, a collaborative movement by Sebrae that will bring together startups across Brazil for a day of learning and networking on March 22. In Paraná, 19 cities will host the event, which has free registration. Of these, only the capital, Curitiba, will carry out the activities beforehand, on Tuesday (18th), from 7 pm to 9 pm, at the Sebrae/PR headquarters.

Ana Paula de Souza Cruz, CEO and founder of Natu.Me, is already a veteran of the event. In 2024, he participated for the third time and took his teenage son along. For her, it is important to be integrated into the innovation ecosystem, connect with other startups, and learn from the experiences of the speakers. In the last edition, held in Londrina, in the northern part of the state, she had the opportunity to share information about funding through public calls.

“Startup Day is an interesting way to network and meet investors. It’s essential to have your business pitch ready and to go through the proposed activities. I took my son last year because I think it’s important to promote his interaction with this environment and encourage entrepreneurship,” says Ana Paula.

Rafael Tortato, TIC and Startups coordinator at Sebrae/PR, explains that Startup Day aims to strengthen local startup ecosystems. According to him, all technology-based companies, regardless of their level of maturity, can participate, as well as individuals who have an idea and want to turn it into reality.

“It is an opportunity for entrepreneurs to learn about the support network available to develop their startups at different stages, as the event includes the participation of incubators, investors, accelerators and universities,” says Tortato.

The construction of Startup Day is collaborative, integrating the Sebrae System and the national innovation community. In 2024, the event reached nearly 25,000 participants across Brazil and coverage of 184 municipalities, including the 26 states and the Federal District. By 2025, Sebrae expects to surpass these numbers, further promoting connections and opportunities for startups in the stages of curiosity, ideation, validation, traction, growth, and scaling.

Service:

The activities take place on March 22nd simultaneously throughout Brazil. It will be a day dedicated to the theme and segment of startups. Participation is free, but spots are limited. Registrations are open bySympla platform. Check out the cities in Paraná that will host the event below, with links to participate:

Curitiba

Saint Joseph of the Pines

Maringa

Mourao Field

Umuarama

Cianorte

Paranavai

Rattlesnake

Toledo

Iguazu Falls

Mediatrix

Palotina

Marshal Candido Rondon

Apucarana

Cornelius Procopius

Little alligator

Ponta Grossa

Guarapuava

White Duck

Douglas Montalvao is the new General Manager of Adobe in Latin America

Douglas Montalvao assumes the position of General Manager of Adobe Experience Cloud in Latin America and takes over the operation with a focus on expanding and strengthening the company's presence in the region. Previously vice president of sales, he now has the mission to further accelerate growth in the key local markets.

With a priority on new alliances and business opportunities, Montalvão will direct efforts towards strategic sectors such as finance, retail, education, health, among others. Your strategy is focused on Brazil and the rising Hispanic-American markets – Mexico, Argentina, Chile, Colombia, and Peru, where Adobe already has a local presence, driving the region with the goal of growing three times faster than the company's global average and establishing it as a growth engine for Adobe.

“I take on this challenge with enthusiasm and the certainty that, together with our team, we will accelerate Adobe in Latin America. Personalization at scale and customer-centric journeys are at the top of the agenda of CEOs of leading Latin American companies. As Adobe, we want to partner with these companies to help them design and execute these strategies, ensuring more impactful digital experiences and expressive results for their businesses,” he says.Douglas Montalvao.

Under your leadership, Adobe Experience Cloud will continue investing in generative artificial intelligence, a technology that is redefining digital marketing and the consumer experience. Among the main bets is Adobe GenStudio, an innovative solution that integrates creatives and data scientists, optimizing content creation, management, and data analysis.

“Our commitment is to continue adding value to customers and partners, leading innovations such as generative AI and incorporating it into everyday business. We want to transform the digital experience that brands offer their customers, making it more personalized and impactful,” concludes Montalvao.

The impact of artificial intelligence on sales strategies

In recent years, artificial intelligence has proven to be a powerful ally for companies seeking to optimize their sales strategies and stand out in an increasingly competitive market. With the ability to analyze large volumes of data in real time, automate processes, and personalize customer service, AI is transforming the way companies interact with their consumers and, consequently, directly impacting their business results.

According to the sixth edition of the reportState of SalesSalesforce, which in 2024 surveyed more than 5,500 sales professionals in 27 countries, including 300 Brazilians, concluded that eight out of ten Brazilian salespeople (81%) are using Artificial Intelligence (AI) at work, but only 28% of that time is spent engaging with clients and making sales.

With this in mind, Raphael Lassance, partner and mentor at Sales Clube, the largest ecosystem specialized in sales solutions for companies, listed4 reasons to use artificial intelligence in any entrepreneur's sales strategies. Check it out:

1. Automation and efficiency in the sales process

One of the main advantages of AI in sales strategies is the automation of repetitive and administrative tasks. AI-based tools can handle lead screening, answer frequently asked questions through chatbots, and even qualify leads, freeing up salespeople to focus on more complex interactions and closing deals.

Furthermore, AI is capable of analyzing consumer behavior in detail, identifying patterns, and suggesting the best approaches for conversion. With predictive algorithms, the technology can forecast which customers are more likely to make a purchase, optimizing the sales team's efforts and increasing the conversion rate.

2. Personalizing the shopping experience

Another area where AI has stood out is in personalizing the customer experience. Through recommendation systems, such as those used by major e-commerce platforms, companies are able to offer personalized products and services based on consumers' browsing and purchase history.

This customization is not limited to the products but also to the service. AI can be integrated into CRM systems to provide more targeted interactions, with recommendations, promotions, or specific content for each customer, all based on behavior and individual preferences.

3. Data analysis for strategic decisions

The ability to analyze large volumes of data, or Big Data, is one of AI's greatest strengths. By processing data from various sources (websites, social media, CRM, etc.), the tool provides valuable insights into consumer behavior, market trends, the effectiveness of sales campaigns, and even the performance of individual salespeople.

These insights can be used to adjust strategies in real time, enabling faster and more accurate decision-making. For example, if a sales campaign is not generating the expected results, AI can quickly identify what needs to be changed, such as the target audience or the type of offer presented.

4. Team training and increased productivity

AI has also been used in sales team training through tools that simulate customer interactions and analyze salespeople's performance. By monitoring and providing instant feedback, these solutions help improve the skills of sales professionals, making them more effective and productive.

Additionally, process automation allows teams to focus on customer relationships rather than wasting time on administrative or routine tasks.

"Artificial intelligence is, without a doubt, a strategic ally for companies seeking to increase their competitiveness and improve their sales processes. By automating tasks, enhancing personalization, and optimizing decisions based on data, companies can reach new levels of efficiency and success," says Lassance.

However, it emphasizes that a balance between automation and human touch is essential. "Although AI can optimize many processes, empathy and emotional connection with the customer are still fundamental aspects that cannot be fully replaced by technology," he concludes.

March of opportunities: Zuk and Bradesco promote auctions with more than 80 properties

Zuk, a leader in the Brazilian real estate auction market, in partnership with Bradesco, will hold auctions on March 12 and 14, offering more than 80 opportunities for those looking to buy their dream home or make a great investment early in the first quarter of the year. There are options for all types of buyers: commercial properties, residential properties, and land in various states across the country. Payment can be made upfront with a 10% discount or in up to 48 installments; there are options with up to 73% off. Since the sales occur entirely online, in thecompany's intuitive platform, on the dates announced.

Opportunities can be found in the following states:

Values vary fromR$20thousand for an apartmentat Parque Turf Club, in Campos dos Goytacazes (RJ), with 76 square meters, up toR$7million for a rural areain Hidrolina (GO). The property with 73%off éan apartment worth R$$33thousandat the Fourth Stop, São Paulo (SP), with 119 square meters.  

To participate, simply register on the PortalYou, consult the lot notice and make an offer for the desired property.

A 40-year-old industry reference, with its portal already established in the area of judicial and extrajudicial auctions, Zuk Portal has real estate as the flagship of the company. The company has national recognition and affordable prices, helping thousands of people fulfill their dream of owning a home or starting their dream business.

“X-ray” of sales strategy: the corporate lifeboat

No sales strategy is a one-size-fits-all recipe. Although, for a business, the ideal path to success depends exclusively on its particularities, one thing is certain: understanding the sales strategy is the first step to grow sustainably.

Having a good offer of products or services and providing excellent customer service is important, but without well-structured processes and a true "X-ray" of the planning to be applied, the day-to-day can quickly turn into chaos, compromising the results.An effective sales strategy involves understanding the customer, identifying what creates value for them, and delivering solutions intelligently. This is only possible with a detailed analysis of the processes.

The steps to ensure this kind of “strategy checkup” are:

1. Evaluate the sales team
The sales team is the engine of growth. Analyzing individual and collective performance, identifying skill gaps, and investing in continuous training are essential actions. Motivated and well-prepared teams deliver consistent results.

2. Review sales processes
Mapping each stage of the sales funnel to identify inefficiencies is essential. From initial contact with the client to closing, understanding where the bottlenecks are allows for the implementation of improvements that increase conversion.

3. Monitor key performance indicators (KPIs)
Performance indicators act as a compass for the business, revealing whether the time allocated to a task is adequate, whether the quality is satisfactory or even whether customers are happy with the service.

4. Adopt technology
Tools like customer relationship management (CRMs) and marketing automation not only bring efficiency, but also offer valuable insights into the customer journey and management.leads. Companies that use technology can transform data into strategic decisions, creating a competitive edge.

5. Listen to customers
Understanding what works and what needs to be optimized is only possible through feedback. Consumers' opinions provide real insights into the company's experience and indicate how to adjust sales approaches and the operation itself.

Evaluate, organize, correct, and structure are the necessary verbs to build a solid foundation for expansion.Whether mapping processes, collecting data, or listening to the team and clients, each step in strategic analysis brings more clarity to decisions. After all, selling more does not only mean having a low price compared to the market, but also acquiring aligned processes, appropriate technology, and a prepared team to turn opportunities into concrete metrics.

Co-creation between media agencies and App Growth partners: the celebration of the possible marriage

In the universe of marketing and advertising, strategic partnerships are essential to boost results and promote innovation. An example of this dynamic is the relationship between advertising agencies and App Growth partners – like the company I represent, which goes beyond technological solutions to boost brand apps. This collaboration model should be based on co-creation, always focusing on the customer, in a balance where each party's autonomy does not compromise the common goals.  

The central question is: how to structure this partnership so that co-creation is effective? How should this "ideal" relationship be fostered and encouraged to work? First of all, the commitment must be genuine and strategic, not just procedural. The role of agencies needs to go beyond mere mediation between brands and technology providers – the market demands integration and complete solutions.  

Co-creation can occur from the moment of a competition – when structuring a proposal, through brands that are already clients of the agency and are in the process of creating apps, as well as those that already have apps but show potential to diversify their media plan further and scale results. In other words, the possibilities are endless, as long as the partnership is smooth and honest.

The idea is not to add another step to the hiring process for marketing and mobile media services, but rather to have an expert with a deep perspective and know-how of the mobile ecosystem to achieve the maximum growth potential of the app in question. In other words, it is one more "brain" that will make all the difference in creating more comprehensive, versatile, and impactful plans.

Within an App Growth Hub like Rocket Lab, the mission is to expand the reach and relevance of mobile apps, strengthening brand presence and connecting it with the right audience. For media plans to be effective, diversification and collaboration are key words, with a combination of strategies, technologies, formats, and active engagement to meet the expectations of the advertiser brand and the end user.

The co-creation process can and should test new approaches and learn from the results, ensuring that all involved are committed to the objectives to be achieved and potential risks.

A relevant example was a digital campaign developed for a major retailer during the last Black Friday with our Apple Search Ads solution. The platform was relatively new in the Brazilian market and it was the first time the brand would test it. The project was initiated by the agency and later involved integrated work between the client's team, the agency, and our squad, with active support from all involved. The result? Performance above expectations and a loyal customer, who continued with us and the agency, and is still exploring other Rocket Lab solutions.

This innovation enabled by new partnerships prevents the relationship between brands/companies and their agencies from falling into stagnation. An executive from the sector brought me something along these lines, saying that after two and a half years of working with a certain product, the two teams (agency and client) were "stuck" and no longer moving from the same "plateau" of results in digital campaigns. In this case, the presence of an App Growth provider brought a breath of new possibilities that refreshed the relationship. Of course, it is essential that this process occurs in an integrated manner, without disruptions, ensuring that the agency continues to be a key piece in the strategic equation.

In an increasingly competitive market, where brands demand innovation and continuous growth, co-creation is not just an advantage, but a necessity. And this is especially important in a market where trends and consumer expectations change rapidly, as it not only drives results but also fosters a constant learning environment, allowing all involved to exchange knowledge and adapt to the fast-paced changes in the industry.

In the end, building strong and strategic relationships creates lasting value. Well-structured partnerships lead to innovation, differentiation, and sustainable growth. And then? Whether on the agency or advertiser side, it's time to start looking for the ideal partners to make this happen!

Innovation and efficiency: how intelligent data management drives the Utilities sector in Brazil

In a sector where the demand for energy, water, and gas continues to grow, efficient data management has become an essential factor for resource optimization and sustainability. Utilities in Brazil face the challenge of modernizing their systems, improving decision-making, and ensuring service quality. In this context, the implementation of advanced data management strategies allows companies to transform their operations and ensure their competitiveness in a constantly evolving market.

The utilities sector includes essential services such as energy, water, sanitation, and gas, ensuring their efficient distribution and management. Your digital transformation is essential to improve operations, reduce costs, and ensure sustainability.

“Utilities generate large volumes of data every day, but without an intelligent management strategy, this information loses value. The secret is to integrate, clean and analyze data in real time to optimize distribution and reduce costs,” explains Ezequiel Pardo, Head of Transformation and Data Management Products for Latin America at SNP Group.

Industry challenges and the role of data management

Utilities companies in Brazil need to face a series of challenges that affect their efficiency and profitability:

  • Outdated legacy systems that make data integration difficult and slow decision-making.
  • Strict regulations that require precise management of information on consumption, sustainability and efficiency.
  • Growing demand for energy and water, which requires planning based on reliable, real-time data.

According toStatesman, the utilities market in Brazil is expected to grow 5.71% between 2022 and 2029, reaching a market volume of 64.43 million euros in 2029.

To overcome these challenges, utilities need to adopt advanced data management solutions, enabling more agile and efficient operations.

Technological solutions for more efficient operations

SNP Group, a leader in digital transformation and data management solutions, recommends:

  • Integrate data from multiple sources to gain a unified view of the business.
  • Automate key processes, reducing operational costs and human errors.
  • Ensure regulatory compliance through tools that ensure data quality and security.
  • Optimize demand forecasting by improving planning and resource allocation.

“Companies that modernize their data management strategies not only improve their efficiency, but also better position themselves to face future regulatory and operational challenges,” says the SNP executive.

AI applied to data is essential to understanding the consumer

Have you ever wondered how some companies seem to know exactly what you want even before you ask? This is not a coincidence – it is artificial intelligence applied to data analysis. In the current scenario, understanding consumer behavior has ceased to be a differentiator and has become a necessity for companies that want to grow sustainably, as well as to stay competitive.

Analytical Artificial Intelligence (AAI) has revolutionized the way businesses interpret customer data. Traditional methods, such as market research and purchasing behavior reports, have significant limitations: data is collected in a limited and sporadic manner, interpretation can be biased, and most importantly, consumer behavior changes rapidly, making these analyses often outdated.

In Brazil, 46% of companies are already using or implementing Generative AI solutions. However, only 5% of them believe they are fully leveraging their potential. This reveals a significant gap and a huge space for strategic optimization.

Now, imagine a scenario where your company doesn't just need to react to changes in consumer behavior but can anticipate them. IAA allows processing millions of data in seconds, detecting behavior patterns and predicting trends with a high level of accuracy. Large companies are already using this technology to achieve impressive results

  • Amazon: analyzes purchases and browsing patterns to recommend products in a highly personalized way, increasing sales conversion;
  • Netflix: 75% of what users watch on the platform comes from recommendations made by the IAA, ensuring greater engagement and retention;
  • Magalu: personalizes offers and optimizes stocks, ensuring that the right products are available at the right time;
  • Of course: monitors client connections and anticipates potential problems, resolving them before they are even noticed.

Companies that use AI in data analysis are leading their markets, while those that ignore this trend risk falling behind. The world has already changed, and it's time to act. If your company is not yet adopting AI to better understand your customers, you may be leaving money on the table.

The world has already changed, and companies that adopt AI are leading their sectors. Meanwhile, those who hesitate risk falling behind. Is your company prepared for this revolution or will it continue leaving money on the table?

From hype to reality: Which 2024 tech trends came to fruition and which remained speculation

The last year began with ambitious predictions and technological promises that vowed to revolutionize our relationship with the digital world. Now that the year has passed and we are in 2025, it is possible to analyze which of these trends have actually become reality and which remained only in the realm of ideas.

Trends that became reality

Expansion of 5G and the advancement of 6G:The 5G, which had been gradually implemented, finally achieved widespread adoption in 2024. With higher speeds and lower latency, 5G has driven the Internet of Things (IoT) and enabled advances in applications such as autonomous vehicles and smart cities. Furthermore, the first practical tests with 6G networks have also begun, promising even more revolutionary speeds for the next decade.

Generative artificial intelligenceGenerative AI models, such as ChatGPT and others, continue to expand and gain applications in various sectors, such as education, health, and entertainment. In 2024, we saw a more responsible and regulated adoption of these tools, with laws that ensure greater transparency in the use of AI in automated decisions.

Technological sustainability:The technology market has been aligning with sustainability demands. Hardware companies launched devices made with recyclable materials, and data centers invested in renewable energy sources. This trend has solidified as a response to global environmental concerns.

Hybrid Cloud Adoption:Companies continued to migrate to hybrid cloud solutions, combining public and private infrastructures for greater flexibility and security. This approach allowed organizations to optimize their resources while meeting regulatory requirements.

Wearable devices and continuous monitoringThe IT in health is deeply connected to the growth of wearable devices, such as watches and sensors, which constantly monitor vital signs. These devices, combined with machine learning algorithms, enabled early diagnoses and rapid interventions.

Automation and advanced DevOps:Process automation and the implementation of more sophisticated DevOps methodologies have accelerated software development and delivery cycles. This allowed greater efficiency and quick adaptation to market changes.

Edge computing on the rise:Edge computing has gained ground as a solution to reduce latency and improve performance in critical applications. This advancement was crucial in sectors such as manufacturing, transportation, and health.

Intelligent electronic medical records (EHR):Cloud-based and AI solutions have made electronic health records more interactive. Now, systems can suggest diagnoses, alert about drug interactions, and offer predictive insights based on the patient's medical history.

The Information Technology (IT) sector was marked by a series of transformations that solidified its relevance to the global economy in 2024. This market continues to be one of the pillars of technological innovation, adapting to emerging demands and paving the way for more integrated and efficient solutions.

What remained only speculation

The fully integrated “Metaverse”:Despite the high expectations surrounding the metaverse, the vision of a fully immersive and interconnected digital universe has not materialized as anticipated. Problems related to infrastructure, high costs, and low user adoption kept the concept as a distant promise.

Blockchain in all industries:Despite the initial enthusiasm, blockchain technology has not become as prevalent as expected. Sectors such as finance and logistics continue to use it, but its adoption in other industries has been limited due to high costs and technical complexities.

Full automation with autonomous AI:Although AI-based automation has advanced, the idea of fully autonomous independent systems is still not a reality on a large scale. Companies continue to face challenges related to reliability and the need for human supervision in critical tasks.

Hyperautomation at all enterprise levels:Hyperautomation promised to completely transform corporate processes, but its application has been more limited than expected. Companies still face difficulties in integrating different technologies and training teams to adopt them.

No-code programming platforms as a universal standard:Although no-code platforms have gained popularity, the idea that they would completely replace traditional developers has not materialized. They are widely used for simple solutions, but more complex projects still rely on conventional programming.

IoT with full integration:Although IoT continues to grow, full and seamless integration between devices from different manufacturers remains a challenge. Fragmented standards and security concerns hinder the creation of truly interoperable ecosystems.

The 2024 balance sheet shows that, although technology is advancing at a rapid pace, many predictions still face significant barriers. The future remains promising, but of course not all predicted innovations can overcome the challenges of the real world. What is clear is that the adoption of technologies depends not only on technical advances but also on cultural, economic, and regulatory factors. Now we must pay attention to the trends of this year to see what will actually materialize and invest in the right direction.

Bets, debt and fraud: the other side of the expansion of payroll loans

The federal government's proposal to create a platform for payroll loans aimed at workers with formal employment contracts (CLTs) – which could come to fruition this year – brings with it the promise of democratizing credit and also sheds light on a series of issues that could worsen the Brazilian population's debt and deepen structural problems related to the unbridled supply of low-cost credit – and the famous “bets”, orthe platformsbetting sites online, represent one of the biggest challenges in this regard.

Added to this is the fact that the platform can further increase the number of scam cases using the payroll loan mechanism - although this information has not been recorded in the last two years, in 2022 Brazilian Procons registered a volume of 57,874 complaints of scams involving payroll loans - which was equivalent to more than six complaints per hour.

In this risky recipe, we also add the problem of Brazilian families' indebtedness. Although it has decreased by 0.9 percentage points in one year, according to data from the National Confederation of Commerce of Goods, Services, and Tourism (CNC) released at the end of January, workers' greater exposure to credit may create a debt spiral linked, precisely, to bets.

The problem with betting: far from over

“Bets” are what sports betting sites became known as, which also ended up paving the way for a new type of betting site, online casinos – commonincommonly called "Tigrinho's Game". The problem is that Law 13,756/2018, which authorized betting companies, also set a maximum deadline of four years for the Ministry of Finance to regulate the activity, which did not happen. The result is that these companies operate within a "regulatory limbo," without clear rules.

Without clear rules and with considerable advertising reach, especially on social media, betting games have become an epidemic. In 2024, Brazilian families wagered around R$ 240 billion on bets – leading more than 1.8 million people to default due to virtual betting. Lower-income families, according to CNC, were the most affected: in January of last year, they accounted for 26% – by December, this number reached 29%.

In a context where credit is widely easily accessible and risk analysis is not always thorough, many workers may be led to use payroll loans to gamble on online games. Obviously, this can lead to an even greater increase in debt, with workers resorting to new credit operations to pay off previous debts, creating a negative spiral of financial dependence. Recent research by SPC Brasil, in partnership with the National Confederation of Shop Managers (CNDL), indicates that the percentage of default among consumers who repeatedly resort to this type of loan has increased significantly, reinforcing the idea that easy access, without responsible financial management, can turn credit into a high-risk instrument.

Moreover, some research indicates that up to 60% of users of gambling platforms may use credit money, including payroll loans, for betting. And to make the situation even more dramatic, the overdue volume in payroll-deductible credit for private sector workers increased by 0.8 percentage points between 2023 and 2024, according to the Central Bank.

Fraud and payroll loans

Recent data from the Central Bank indicate that the volume of payroll loan operations has grown rapidly in recent years, reaching levels that require more rigorous monitoring by financial institutions and intermediary platforms.

The issue becomes more serious when one takes into account that, for the payroll loan platform to operate on a large scale, banks and financial institutions will be required to adopt increasingly robust anti-fraud measures.

The digitalization of financial services has shown, in recent years, a significant increase in cases of electronic fraud, often sophisticated and difficult to detect. Thus, the need to invest in technology and cybersecurity systems becomes imperative to mitigate risks that could compromise not only consumers' financial health but also the stability of the financial system as a whole.

Furthermore, centralizing operations on a single platform can create an environment conducive to internal fraud and data manipulation. Automation and system integration, when not accompanied by robust internal control, create opportunities for malicious agents to exploit vulnerabilities, offering a scenario where the damage can be twofold: on one hand, the worker finds themselves in debt that will compromise their income, and on the other hand, the financial institution may become a victim of fraud that increases operational costs.

In addition to technology, banks will also need to rely on credit formalization services, in which the granting and management of these loans are carried out in a transparent and secure manner. The formalization of payroll-deductible credit involves a thorough verification of the applicants' data, ensuring that loans are granted only to workers who meet specific eligibility criteria. This process includes the analysis of documents, such as proof of income and credit history, to ensure that beneficiaries have the capacity to meet the payments.

Ultimately, the path forward must be guided by transparency, responsibility and the search for a balance between technological innovation and the protection of consumer rights.

The payroll-deductible loan platform can, without a doubt, offer significant benefits, but these benefits cannot be achieved at the expense of workers' financial well-being. It is imperative that each operation be accompanied by a thorough analysis, that anti-fraud measures be constantly reviewed and updated, and that consumers have access to clear and accurate information about the risks and conditions of the credit contracted.

In this way, we can turn easier access to credit into a tool for inclusion and development, rather than an instrument that inadvertently deepens indebtedness and economic instability. The construction of a safer and more sustainable financial environment necessarily involves dialogue among all stakeholders and the implementation of measures that are up to the challenges imposed by the digital age.

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