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Authentic engagement and social commerce shape a new era of digital advertising, say mLabs and TikTok

Digital advertising is undergoing an unprecedented transformation. The era of interruptive ads gives way to native, engaging content built with authenticity — and this shift is redefining the entire logic of engagement, conversion, and brand building. The topic was discussed in the most recent episode of theSocial Media Talk, mLabs podcast, which brought togetherRafael Kiso, founder and CMO of the platform, andBruno LopesHead of Sales at TikTok Brazil.

According to executives, digital marketing is being driven by new dynamics that prioritize genuine connection with the audience, rather than just volume of impressions or superficial reach. "TikTok is not just another social network, it is a space for discovery, entertainment, and emotional connection. Brands that understand this are reaping exceptional results," said Lopes.

The speech is supported by numbers: TikTok surpassed 2 billion global users, with Brazil among its main markets, and 87% of users say they have discovered new brands organically on the platform, according to internal data.

Traditional metrics are no longer enough

One of the highlights of the conversation was the criticism of using outdated metrics, such as reach and CPM. "Many brands still focus on vanity metrics, but these numbers alone mean nothing," warned Lopes. He cited cases where campaigns with 1 million views on TikTok generated more conversions than others with 10 million on traditional platforms, thanks to qualified engagement.

Kiso added: "Performance in marketing today is not just about bid optimization or short-term KPIs. It's about creating real connections. On TikTok, a well-executed campaign not only sells but builds brand equity, and that is priceless."

TikTok Shop and the evolution of social commerce

The rise of TikTok Shop also gained prominence in the conversation. For Lopes, the tool represents a milestone in how consumers buy digital products: "We are creating a complete ecosystem where the consumer discovers a product, gets inspired, and makes a purchase, all in a few seconds."

Kiso provided practical examples of mLabs' work with brands that have adopted this integrated approach: "Sallve, a beauty brand, increased its sales by 40% with native ads combined with TikTok Shop. Renner, a fashion retailer, reduced its cost per acquisition by 30% by combining creators with the performance strategy."

This advance is directly connected to the rapid growth of social commerce in Brazil. According to the 2025 Retail Report by Adyen, 55% of Brazilians already use social media as a shopping channel, while 37% say they tend to purchase a product when it is trending on social media, a behavior that reinforces the strategic role of content in the purchasing decision.

Relevant content as a strategic asset

The conversation reinforced that companies still treating TikTok as a "youth" social network are wasting time and market. "Those who still have this limited view are missing out on one of the biggest business opportunities of the present day," warned Lopes. Kiso was even more direct: "Companies that invest in relevant content, data, and platforms like TikTok today will be ahead in the coming years."

CMOs, AI, and the challenge of turning volume into results

Marketing is experiencing a crisis of purpose. In a scenario of stagnant budgets, pressure for results, and increasingly fragmented journeys, many teams have entered automatic mode. The answer to any problem always seems to be the same: more campaigns, more investment in performance media, more deliveries in less time. But recent numbers show the limit of this model. THEGartner CMO Spend Survey 2025It reveals that more than half of the campaigns executed globally did not generate the expected sales return.

Even in the face of this warning, 55% of CMOs state that they will increase investment in performance channels in 2025. All of this while the veryROAS(return on media investment) – the indicator that measures how much a company earns for each real invested in advertising – is becoming increasingly unstable. What used to be a solid metric to guide decisions has become a thermometer of volatility. Consumer behavior is changing, channels are saturated, and the model of insisting on the same formulas is beginning to cause more wear than results.

It is in this context that Artificial Intelligence ceases to be a promise and becomes a strategic necessity. The survey indicates that 41% of CMOs already use AI to automate key tasks, and another 33% are integrating advanced technologies, including AI, to enhance the efficiency of their operations. But the most critical point is not the adoption of technology itself, but what companies are doing with this increase in speed. Without a leap in strategy and final deliverables, AI risks becoming just an accelerator of mediocrity.

The good news is that there is another way. When well applied, AI can free marketing teams from the most repetitive operational tasks, creating space for what truly matters: thinking, creating, and connecting. Here, generative AI (GenAI) plays an increasingly decisive role. Not only as a tool to analyze data or run reports, but as a partner in creating images, videos, texts, and pieces that reach the final audience with consistency, identity, and purpose. At Pupila, we see this up close every day: technology is enabling brands to create at scale, but without sacrificing originality.

But if there's one lesson that this moment teaches CMOs, it's the following: efficiency without empathy does not build a brand. Automation is welcome, but it cannot replace human sensitivity. The challenge now is to use AI to gain agility, yes, but mainly to create space for more human decisions. It's not enough to know what the consumer clicked. It is necessary to understand what he feels, what drives his choices, and what can truly create a genuine emotional connection.

While some leaders will continue to pursue scale at any cost, CMOs who understand the power of humanization, with the support of technology and not despite it — will be the ones to build brands with a real presence in people's lives. Because, in the end, marketing remains, above all, about people talking to people.

The future will belong to those who know how to combine artificial intelligence with emotional intelligence.

Fintalk hosts an exclusive meeting on the use of AI in the customer journey

On July 30th, Fintalk will host another edition of its series of meetings focused on innovation in customer relationship and technology. The event, titled "Multiagents: AI that Connects the Journey," will take place at Cubo Itaú in São Paulo, with the presence of around 20 guests including leaders from areas such as CX, technology, marketing, data, and digital transformation.

With an intimate format focused on information exchange among executives, the meeting aims to create a space for listening and joint development regarding the challenges of effectively applying artificial intelligence throughout the entire customer journey — from service to collection.

The great diferencial of the meeting is in the practical approach focused on the reality of the businesses. "We want to promote an environment where leadership can share what is working and what is not in the implementation of architectures with multiple intelligent agents. It is a strategic discussion that involves scaling personalization, increasing first contact resolution, and reducing effort for the customer," explains Camila Rossi, Head of Commercial Strategy and Growth at Fintalk.

AI already impacts the entire customer journey

According to a recent analysis of theSuperAGI78% of companies already use AI in at least one business function, and 71% adopt generative models in 2024. Additionally, 70% of companies apply artificial intelligence with a direct focus on the customer experience, according to a survey by Desku.

Multi-agent orchestration — that is, the coordination between different AI instances — has been seen as an essential breakthrough to scale personalization without losing governance. Cases like that of theMicrosoft, which saved over US$ 500 million in one year with AI in their call centers, demonstrating the real impact of this technology on customer relationships.

Furthermore, a study of theFull viewshows that the return on investment can reach up to US$ 3.50 for every dollar invested, with mature companies reporting up to 8 times ROI. With this, the use of AI already reduces, on average, 13 hours of work per employee per month, resulting in savings of over US$ 4,700 per employee per month.

Artificial intelligence as a driver of experience transformation

The concept of multi-agents, which is the combination of different models and layers of AI working in an orchestrated manner, has been gaining ground in large companies interested in scaling personalization without sacrificing governance. At the event, real case studies of this approach will be presented, with concrete results such as: operational cost reduction of up to 30%, increase in first contact resolution (FCR) rate, adoption of AI architectures composed of specialized bots by journey, and automation of interactions on channels such as WhatsApp, app, email, and voice.

In addition to showcasing the cases, the event will feature open discussions among participants and networking moments, with breakfast and reception held at the Cubo space. "It's not a commercial event. It's a conversation among professionals who are facing the same dilemmas in their companies and want to move forward more securely. We believe that knowledge grows through exchange," emphasizes Danielle Francis, COO of Fintalk.

The event is supported by Cubo Itaú, one of the main innovation hubs in Latin America. The choice of space reflects Fintalk's positioning as a bridge between technology, the financial market, and digital transformation, fostering relevant discussions for the innovation ecosystem.

The expectation is that, after this edition, new roundtable discussions on AI and the customer journey will be held, maintaining Fintalk's commitment to knowledge dissemination and collaborative solution building.

Service

Event:Multiagents: AI that Connects the Journey

Data:Wednesday, July 30, 2025

Time:8:30 AM to 12:30 PM

Local:Itaú Cube – Alameda Vicente Pinzon, 54 – Vila Olímpia, São Paulo (SP)

Enrollment: https://lu.ma/zd4gcc6e

Organization:Fintalk, with support from Cubo Itaú

Autonomous AI agents are already a reality in the Service Desk

The presence of AI-based autonomous agents in first-level support is no longer a distant promise – it is a practical and growing reality in Brazil. Unlike traditional chatbots, these virtual agents are capable of understanding complex contexts, solving technical issues accurately, and providing a user experience very close to human interaction. This technological advancement is redefining the role of the Service Desk in organizations, making it more efficient, agile, and strategically relevant.

In fact, projections indicate that by 2027, AI agents will be the main customer service channel in about 25% of organizations, according to Gartner.

- reflection of a global trend towards adopting this advanced technology.

One of the main advantages of generative AI agents is their ability to understand the context of the conversation. Modern agents retain in memory the details provided by the user throughout the dialogue. This allows them to correctly interpret the intent behind the questions and even change the subject without losing track of the context – even if the user digresses or introduces a different topic in the middle of the conversation.

This advanced understanding of natural language drastically reduces misunderstandings and frustrating interactions. With the support of large language models (LLMs), the agent can analyze the user's sentence in depth, recognize slang or unusual problem descriptions, and still generate a coherent and relevant response. The result is a much more fluid and intuitive conversation, in which the user feels truly understood.

Ability to solve more complex technical issues

In traditional Service Desks, chatbots often limited themselves to resolving simple questions (such as password resets or order status) and quickly transferred more complex issues to human agents. Intelligent virtual agents can go beyond the trivial and address more complex technical problems.

Because they are trained on vast datasets and knowledge, they can diagnose less common errors, perform guided troubleshooting procedures, and even consult internal knowledge bases to find novel solutions. Furthermore, these AI platforms integrate with corporate systems and ITSM tools, enabling autonomous automated actions.

For example, a good AI agent can execute entire service flows, such as unlocking a user account or remotely reinstalling software, without human intervention. It recognizes the user's request, verifies the necessary information (such as identity or permissions), and then triggers the appropriate APIs or scripts to resolve the issue – all within seconds.

This operational autonomy, combined with generative intelligence, allows handling everything from simple cases to more challenging IT incidents, involving the human team only when truly necessary. The impact is directly on efficiency: repetitive tasks are resolved quickly, and support specialists gain time to focus on truly complex or strategic problems.

Enhanced user experience

The new virtual agents offer a much richer and more satisfying experience. First, they are available 24 hours a day, 7 days a week, with immediate responses – something that old bots also promised, but now these responses are more helpful and contextual, reducing the need to wait for a human agent.

Furthermore, communication with a generative AI agent tends to be more humanized: the way of dialoguing is less "robotic," with the ability to understand natural language and even personalize responses according to the user's profile.

Another important point is that these agents were designed to provide a smooth transition to a human when necessary, which is crucial for satisfaction. Best practices indicate that the chatbot itself should inform the customer that it will connect them to a human agent if it cannot resolve the issue, and then transfer the service seamlessly so that the human agent continues from where the bot left off.

This well-orchestrated handoff prevents the user from having to repeat information and eliminates that feeling of being "stuck" talking to a machine. In summary, generative AI agents simplify and streamline the user journey, delivering faster solutions and higher-quality interactions – which translates into greater satisfaction and trust in the company's IT support.

Far from completely replacing the human team, this new generation of agents works in harmony with support professionals: it handles repetitive and first-level tasks with unmatched speed and accuracy, freeing humans to focus where their expertise is irreplaceable – in novel or highly critical situations. Specialized professionals are essential for supervising, adjusting, and supporting virtual agents, ensuring that intelligent automation complements rather than replaces human expertise. In this context, the future of the Service Desk is clear: human teams and intelligent virtual agents working together to build a more strategic, efficient, and user-centered support.

Total global spending on user acquisition in e-commerce reaches US$ 4.6 billion, while tariff turbulence causes budget shifts in the sector

The reportState of E-commerce App Marketing 2025AppsFlyer reveals a dramatic shift in global growth strategy: China-based e-commerce apps, now responsible for 85% of global user acquisition (UA) spending on iOS, have begun reallocating budgets from the US to Western Europe on a large scale. In Germany, iOS user acquisition jumped 170% year-over-year between January and May 2025, and in France it more than doubled, highlighting the growing importance of flexible and regional strategies in an unpredictable market environment.

This reallocation signals a broader transformation in mobile growth, shaped by tariff uncertainty, regional platform dynamics, and increasing reliance on loyalty-focused remarketing, said Sue Azari, Industry Leader for eCommerce at AppsFlyer. With the possibility of regulatory or geopolitical changes ahead, marketing professionals need to be ready to adapt quickly. Brands are now making real-time decisions about where to invest, based on regulatory environments, customer lifetime value, and competitive positioning across various continents.

The data also indicate a change in seasonal rhythm, as marketers shift more budget to acquisition at the beginning of the year and focus on remarketing during high-attention periods. Only in November, re-engagement skyrocketed by 218% in the US and 330% in Brazil.

Globally, across all platforms, iOS continues to outperform in monetization. Users convert 1.3 days faster, have a 39% higher first purchase rate, and a 68% stronger repurchase performance, a loyalty signal that turns acquisition into long-term value. The purchase revenue on the app on iOS increased by 10% in 2025, almost double the growth on Android.

In Brazil

Paid installations surged 155% during the holiday season. User acquisition on iOS skyrocketed by 481% in November 2024, while on Android there was a 22% decline. Revenue on Android decreased by 28% in 2025, despite ongoing acquisition activity. Spending on IAP (in-app purchases) on Android decreased by 32% in November, impacted by economic pressures and platform changes.

The time-to-purchase rates remained consistent across platforms, supported by the strong local payment infrastructure.

More global findings from the report:

  • The spend on remarketing reached $16.4 billion in 2024, being 3.5 times higher than user acquisition budgets. Android's market share increased from 64% to 77%, reflecting more mature re-engagement strategies.
  • The web-to-app installation flows also grew significantly, increasing by 38% before the peak season and by 37% in spring 2025, highlighting the increasing importance brands assign to directing existing web users to their apps, where
  • The native environment offers greater loyalty and higher conversion rates.
  • Fraud exposure approached US$ 1 billion globally, with fraud rates on iOS decreasing from 30.1% to 25.9%, while on Android they increased from 9.4% to 10.5%. Solutions with AI technology continue to be essential for effective protection.

Methodology

The State of eCommerce App Marketing 2025 by AppsFlyer analyzes anonymous and aggregated data from 1,600 e-commerce apps (excluding marketplaces and grocery apps) with at least 3,000 installs per month per country. The study covers 3.1 billion paid app installs and 26 billion remarketing conversions between October 2023 and May 2025. All results meet strict volume criteria and are based on anonymous methodologies that preserve privacy.

Explore the full report State of eCommerce App Marketing 2025here.

MadeiraMadeira surpasses sales by 50% and records the best week since the last Black Friday with a cashback campaign

In celebration of its 16th anniversary, MadeiraMadeira, the largest online furniture and decor platform in Latin America, launched a bold 100% cashback campaign to provide the best experience for its customers on one of the most important dates of the year and sold 50% more than previous campaigns, with a stronger week of sales since Black Friday 2024.

It was the first time the company adopted this incentive format, allowing consumers to purchase selected products and receive back 100% of the amount paid, in a limited-time promotional strategy. For Fábio Fadel, CRO (Chief Revenue Officer) of MadeiraMadeira, the action reflected how the company has been dedicated to offering innovative alternatives to improve the customer experience.

This year, we decided to invest in an initiative that combines technology, commercial intelligence, and a keen eye on consumer behavior. More than just boosting our sales, the goal was to enhance our users' experience, giving them back the power of choice. In our sector, we understand that the purchase value is often a decisive factor, but the long-term relationship we build with our customer base creates much more value and further strengthens loyalty, he comments.

With over 1,000 participating products, the promotion had strong appeal to the public, accounting for approximately 70% of sales during the first week of the month. The results show that the company has the capacity to create its own actions that are truly right. Among the most chosen items, some items stood out such as:

This result reinforces that when we invest in bold campaigns that generate value for our entire ecosystem, we go beyond sales: we offer real opportunities for more people to achieve their dream home, concludes the executive. Until the end of July, the company still offers free shipping, 20% OFF with PIX, and discounts of up to 60% on thousands of products on the website and app. To stay updated on all the brand's special birthday promotions, just download the MadeiraMadeira app, available for Android and iOS viaGoogle PlayandApple Store.

Simply Tech and Rakuten Symphony arrive in Brazil to unify operations and transform retail competitiveness with Rakuten Cloud

Simply Tech announces the arrival of Rakuten Cloud solutions to Brazil and Latin America, a hyper-competition platform designed to unify physical and digital retail operations, in partnership with Rakuten Symphony. The technology promises to reduce operational costs by up to 40% and deployment time by 80% compared to traditional systems, addressing critical industry challenges such as channel integration, inventory management, and customer experience personalization.

The platform operates by integrating e-commerce systems, ERPs, CRMs, and in-store fronts into a unified cloud, providing a holistic and real-time view of the business. The model has already been tested and has proven effectiveness in Rakuten's own retail operation in Japan, where a 25% reduction in time was achieved.fulfillmentand a 30% decrease in stock errors. Additionally, the solution offers a 50% savings in capital investments and a 30% superior performance in virtual machines.

According to Sam Freitas from Simply Tech, for retail networks operating with tight margins, these improvements represent a leap in competitiveness, focusing on efficiency, automation, and interoperability. "The solution can be compared to an orchestra conductor: instead of each retail sector operating in isolation, the platform synchronizes all the 'instruments' for a harmonious performance, resulting in a smoother customer experience and more efficient operations for the retailer," he comments.

According to Anirban Chakravartti, Vice President of Global Sales at Rakuten Symphony, digital transformation is a global priority, but access in many regions is still limited by the high cost of native cloud solutions from major providers. In partnership with Simply Tech, we are bringing powerful and cost-effective cloud solutions to companies in South and Central America, enabling them to modernize and compete on a global scale.

Simply Tech will provide Rakuten Cloud-Native Platform, Rakuten Cloud-Native Orchestrator, and Rakuten Cloud-Native Storage solutions to resellers and businesses. This collaboration aims to accelerate digital transformation in key sectors, including retail, making cloud technology more accessible and cost-effective.

The Rakuten Cloud-Native Platform provides these solutions using an intuitive and declarative interface, with advanced automation, which reduces deployment complexity, deadlines, and human error, with high availability ensuring there is no single point of failure. Rakuten Cloud-Native Storage offers high-performance, scalable features for various applications, including AI/ML, retail, IoT, and gaming. Rakuten Cloud-Native Storage stands out from competing solutions by offering true application awareness without requiring extensive knowledge of Kubernetes and storage.

Brazil's e-commerce: 70% of LATAM Cargo deliveries in the first half were made within 48 hours

LATAM Cargo, the cargo division of the LATAM Group, ended the first half of 2025 with a significant logistical advance in Brazil: 70% of its e-commerce orders originating from Congonhas and Guarulhos airports (SP) were delivered to customers' homes within 48 hours. The number represents more than double the amount recorded in the same period of 2024.

The progress is the result of the company's strategic investments in infrastructure and technology. One of the main ones was the 50% increase in operational capacity in thehubGuarulhos Connection Center, which now has over 2,900 m² dedicated especially to the e-commerce segment. In parallel, LATAM Cargo launched a new product portfolio in the domestic market, including the éFácil service, aimed at small packages with fast home delivery in thousands of Brazilian cities.

In 2025, the company also signedpartnership with Amazonfor the delivery of products in 11 states of the North, Northeast, and Central-West regions.

E-commerce demands increasing agility and efficiency. The combined use of our air network, which integrates cargo and passenger aircraft, along with structural investments, allows us to shorten distances and deliver an excellent logistics experience for companies and consumers., saysOtávio Meneguette, director of LATAM Cargo Brazil.

Brazilian customer satisfaction also increases

Operational improvement has been directly perceived by LATAM Cargo customers in the domestic market in Brazil. In the first half of 2025, the company recorded a 25 percentage point increase in its NPS score.Net Promoter Score), driven by advances in service, communication, tracking, and deadline compliance.

GREATER CAPACITY TO CONNECT SÃO PAULO TO THE ENTIRE BRAZIL

LATAM Cargo is today the company with the highest available capacity (in tons) to connect São Paulo to all regions of Brazil. Between January and June 2025, it offered the possibility to send up to 67,300 tons of cargo in the holds of LATAM passenger aircraft on departures from Congonhas and Guarulhos airports – an 8% increase compared to the capacity offered in the same period of 2024.

Currently, the company serves 46 Brazilian airports and 4 cargo terminals in locations without regular flights, with home deliveries in over 1,800 municipalities.

The company also leads the capacity offered to strategic destinations in the North and Northeast regions, such as Teresina (PI), João Pessoa (PB), Macapá (AP), and Rio Branco (AC) – the last two served exclusively from the São Paulo capital.

New portfolio boosts e-commerce

The new service portfolio launched in 2024 has boosted LATAM Cargo's performance in the e-commerce segment in Brazil. The service éFácil, aimed at small shipments with quick delivery, recorded a 79% increase in issuance volume and a 6 percentage point improvement in the FAB indicator in the first half of 2025.Voado conforme reservado), when compared to the same period of the previous year.

Consolidated leadership in Brazil and abroad

LATAM Cargo has maintained its leadership in domestic air cargo transported on passenger flights in Brazil since April 2025. According to the June 2025 statistics published by the National Civil Aviation Agency (Anac).the company achieved a 37.3%* market share.

Your national logistics network covers 51 operational bases, in addition to routes with cargo planes such as Guarulhos-Manaus, Viracopos-Manaus, and Guarulhos-Fortaleza-Manaus – the latterinaugurated in May 2025.

In the international market, LATAM Cargo also leads air freight transportation to and from Brazil, with operations in 23 international destinations, through cargo flights and lower compartments of passenger aircraft. Among the recent updates are the Miami–São José dos Campos, Miami–Brasília, Amsterdam–Curitiba, and Europe–Florianópolis routes.

Idiom or truth? TikTok Shop and the new chapter of Brazilian e-commerce

TikTok has already been influencing content consumption and the way brands engage with the audience. Now, with the official arrival of TikTok Shop in Brazil, the platform promises to go beyond: transforming entertainment into revenue. But with the novelty comes the inevitable doubt: is this a passing fad or are we facing a global trend that is here to stay?

The TikTok Shop proposal is simple in theory and ambitious in practice. Wants to integrate the entire purchase journey within the app itself. The user discovers a product in a video, becomes interested, views reviews, interacts with creators, and completes the purchase in a few clicks, all without leaving the home screen. All of this, with the appeal of light, creative, and engaging content that made the network a global phenomenon.

According to data from the platform itself, 90% of users who purchased through TikTok Shop were satisfied with the experience. In Brazil, one in three users has already bought something they saw there. The movement is clear: consumer habits are changing and brands need to keep up.

It's true that social media constantly set trends. But TikTok Shop has already surpassed this phase. The immersive and real-time shopping model, which combines live broadcasts with digital storefronts and organic content, is already a well-established reality in China and Southeast Asian countries. And the behavior observed there begins to repeat itself here.

In Japan, where TikTok Shop has just launched, the expectation is of a direct impact on the local e-commerce. In Brazil, the potential is even greater. We are talking about a platform that already reaches millions of active users, with a very high level of engagement and an extremely receptive base to new consumption formats.

TikTok Shop demands more than just listing products for sale. It is necessary to understand the platform's logic, produce native content, identify influencers with genuine synergy, and be agile in response to trends. Those who treat the tool as a traditional channel, copying strategies from old marketplaces or social networks, will hardly achieve significant results. The good news is that there are already complete solutions for brands that want to enter this game in a structured way.

If it is true that consumers are increasingly connected and demanding, it is also true that they seek faster, more authentic, and integrated shopping experiences. TikTok Shop precisely meets such demand. It's not a passing fad, but an adaptation to the behavior of a generation that shops the same way it consumes entertainment: in the flow, touch, and now.

There is still a path to be traveled, of course. Infrastructure, logistics, and strategy maturity are points of attention. But the outlook is promising. And more than keeping up with change, it is necessary to understand it and act. In the end, TikTok Shop is not just changing the storefront. The consumption logic is changing.

PagBank completes its second public issuance of Financial Notes and raises R$ 920.3 million

THEBanking, a full digital bank in financial services and payment methods, elected the best corporate account by the iDinheiro portal and one of the main digital banks in Brazil, completed its second public issuance of Financial Letters (LFs), amounting to R$ 920.3 million. With a single series with a 2-year term, the issuance had Banco UBS as the lead coordinator of the operation, and Itaú BBA as the coordinator.

The total demand was R$ 2.2 billion, equivalent to 3.2 times the supply, with a final remuneration of CDI +0.45% per year, representing a success of a -12 reduction.basis pointsregarding the cap rate of the initial offer. The funds raised will be used for corporate purposes, such as financing the growth of the digital bank's acquiring and credit operations.

"Our goal was to raise R$ 700 million, with a ceiling rate of CDI +0.57% per year, and due to strong demand, we managed to issue 30% more than expected. The success of this second issuance reinforces the market's confidence in the solidity of our business model and the consistency of our growth strategy," says Artur Schunk, CFO of PagBank.

Just like in the first issuance, the digital bank received a brAAA rating, the highest on the national scale, reinforcing its financial health and discipline, and a clear long-term vision for PagBank.

One of the largest digital banks in the country by number of customers, PagBank offers tools for in-person and online sales (such as card machines; Tap On – which turns the phone into a card machine with the PagBank app; payment links; checkout options for e-commerce, among others), a complete digital account for individuals and businesses, as well as features that contribute to financial management, such as Payroll. At PagBank, the credit card has a guaranteed limit, and investments become a limit for the card itself, enhancing customers' earnings.

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