Start Site Page 203

Dual regulation brings more protection to Brazilian investors and consumers

E-Commerce Update
-
0
Dual regulation brings more protection to Brazilian investors and consumers

Brazilian companies that have headquarters or are publicly traded in the United States are subject to dual regulation, both by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) in the United States, as well as by the Securities and Exchange Commission (CVM) in Brazil. According to the Institute Empresa, an organization that defends minority investors, this regulatory overlap, although it presents compliance challenges, provides additional protection to Brazilian investors.

The recent case of Avenue Securities illustrates this reality. The brokerage was fined $300,000 (approximately R$1.77 million) by FINRA due to deceptive advertising practices targeting Brazilian investors. Between 2020 and 2023, influencers paid by Avenue promoted investments without clarifying the actual risks involved. Some content promoted financial products with unrealistic promises of guaranteed returns, while others suggested that certain assets were free of costs, omitting information about additional fees. The investigation also revealed failures in the brokerage's supervision of the communication made by these influencers, violating transparency standards of the financial market.

“The involvement of foreign regulatory bodies in cases that affect Brazilian investors represents an extra layer of protection. While in Brazil oversight may be limited, in the United States, it is subject to strict compliance standards,” says Eduardo Silva, president of Instituto Empresa.

He notes that the system ofclass actionNorth American also stands out as a more efficient mechanism for investors seeking redress for potential damages. Unlike individual lawsuits or arbitrations in Brazil, which can be lengthy and costly, class actions allow multiple investors to be represented in a single case, increasing the chances of compensation and ensuring greater bargaining power against infringing companies.

In the wrong direction, Silva warns about the risk of Bill No. 2925 of 2023, which is listed as one of the Ministry of Finance's priority agendas for the current year. "With your approval, it would be much safer for the investor to buy securities abroad rather than in Brazil." Under the guise of "defending minorities," the project practically hinders the exercise of claims and exempts companies from responsibilities after issuance on paper. "If it were in effect, IRB and Americanas, for example, would be protected."

In addition to Avenue Securities, other cases demonstrate the importance of applying American regulation for Brazilian companies. In 2018, the SEC fined Petrobras $853 million for bribery and corruption, securing compensation for foreign investors affected by the Lava Jato scandal. "Paradoxically, a Brazilian who acquired paper in the USA was compensated through an agreement. Those who bought on B3 face the resistance and high combativeness of Petrobras in ongoing arbitrations," says Silva.

More recently, StoneCo, a Brazilian fintech listed on Nasdaq, was the target of investigations due to failures in disclosing operational risks, reinforcing the importance of transparency required by US regulations.

Several Brazilian companies have already faced class actions in the USA. Among them is Braskem, which faced a class action in the USA for allegations of misleading information about its internal controls and accounting practices. Vale was also the subject of a class action after the Brumadinho dam break in 2019, resulting in lawsuits filed by investors who claimed losses due to the company's lack of transparency regarding environmental and operational risks. Another was Eletrobras in light of allegations of corrupt practices and inadequate disclosure of financial information. Investors who purchased the company's ADRs sought compensation for losses attributed to these practices. Gerdau and Bradesco were also accused in American court of involvement in corrupt practices and inadequate disclosure of information.

“The dual regulation imposed on Brazilian companies with a presence in the United States not only reinforces the commitment to transparency and good practices, but also benefits Brazilian investors who often face difficulties in obtaining compensation for damages in the national legal scenario. With a more rigorous regulatory environment and a more agile judicial system, Brazilian investors can count on more guarantees and greater security in their investments,” he notes.

Instagram tests 'dislike' button: Camila Silveira explains what this means for entrepreneurs and content creators

E-Commerce Update
-
0
Instagram tests 'dislike' button: Camila Silveira explains what this means for entrepreneurs and content creators

Camila Silveira, a specialist in entrepreneurial development through social networks, says that the new resource can bring a series of implications for companies and individuals

In recent days, a new feature in the digital universe has caused a stir on social media: Instagram announced that it is testing a new feature, the "Dislike" button, specifically for comments on Feed and Reels posts. The platform, already the favorite of millions of entrepreneurs, influencers, and brands around the world, is seeking ways to enhance interaction and ensure that its users experience a healthier and more organized environment.

Business development and digital entrepreneurship specialist, Camila Silveira views this change with a critical but optimistic perspective. After all, social media, especially Instagram, has become an essential tool for brand growth and community strengthening. However, this new feature can bring a series of implications, both for the average user and for entrepreneurs who rely on the platform to expand their businesses, he analyzes.

According to Instagram, the "Dislike" button was designed to help filter unwanted interactions. The feature allows users to "untag" or "mark negatively" comments from others, without this being publicly visible to other users. In other words, instead of seeing a count of "dislikes" as happens on other platforms, Instagram prioritizes the invisibility of this action, but uses these signals to adjust the algorithm, reducing the visibility of comments that have been "undisliked," explains Camila.

According to the specialist, this makes perfect sense at a time when we are trying to create more positive communities on social media. Entrepreneurs, in particular, benefit from this change, as it can help reduce the impact of negative interactions and focus on more relevant and constructive comments that truly contribute to building a solid business and an engaged community.

Implications for Entrepreneurs and Content Creators

Now, the question that many entrepreneurs must be asking themselves is: *how can this change impact my online presence?* Camila points out that if you use Instagram to promote your brand or services, it is essential to understand how the new features influence the reach and engagement of your posts.

“At first glance, this feature can be seen as a tool to improve the social network environment, promoting more positive interactions. However, for those who are constantly managing their social networks, the new “Dislike” button also presents challenges,” she highlights, detailing them:

1. **Redefining Feedback:** The "Dislike" button may change how followers interact with your posts. For many creators and entrepreneurs, constructive feedback is one of the most valuable ways to evaluate and improve the content being produced. However, by allowing an "unlike" to be done anonymously, there is a risk that users may lack a true understanding of why a content was not well received.

2. **Impact on Comment Visibility:** Although Instagram does not publish the number of "dislikes," the algorithm will process these disapproval signals. This means that, even without a visible counter, your followers' negative perception of certain content can affect your visibility and your positioning in the feed. In other words, what might have previously been an irrelevant comment can become less relevant when "unliked," directly impacting how the algorithm ranks the post.

3. **Monitoring and Crisis Management:** For entrepreneurs, managing crises on social media is a key factor for success. The "Dislike" button can be a double-edged sword. On one hand, it allows users to express their displeasure without creating an open discussion, but on the other hand, it can potentially amplify the spread of negative interactions in a more discreet way, requiring entrepreneurs to pay more attention to managing their content.

How Can Entrepreneurs Take Advantage of This New Resource?**

With the changes, new opportunities also arise to optimize digital presence. Camila Silveira listed some ways entrepreneurs can benefit

1. **Focus on Quality Content:** Instagram is constantly refining its algorithm to showcase what is relevant and positive. This means that the more engaging and constructive your content is, the greater the chances of reaching a qualified audience. Focusing on producing genuine content that brings real value to your followers can minimize negativity and increase organic engagement.

2. **Monitoring Public Reaction:** With this new feature, it is important for entrepreneurs to monitor how their followers are interacting with their comments. Brands can use this information to adapt their approach and improve their relationship with the community, creating closer and more assertive communication.

3. **Enhance the Interaction Strategy:** This change also provides an opportunity to further humanize the relationship with the audience. It is crucial for entrepreneurs to use their influence to guide the discussion constructively. Creating a space where followers feel heard and respected, even in criticism, is an important competitive advantage.

The specialist points out that Instagram remains a vital platform for entrepreneurs and content creators, and the "Dislike" button highlights the need for more careful and strategic interaction with the audience. According to her, although this feature is still in the testing phase, its implementation could be a game-changer in the way we communicate and interact on social media.

“As entrepreneurs, it’s essential to embrace change with a critical eye, adapting to new tools and making the most of the opportunities that arise. Instagram is constantly evolving, and the way we handle digital interactions reflects not only the evolution of a platform, but also the maturation of the digital market as a whole. By focusing on authenticity, quality content and positive engagement, you can ensure that your brand not only survives, but thrives in this new social media landscape,” concludes Camila.

Daten invests in new markets and announces e-commerce for the corporate segment

E-Commerce Update
-
0
Daten invests in new markets and announces e-commerce for the corporate segment

A Data, one of Brazil's leading computer industries, announces investments in expansion into new markets and the launch of an e-commerce platform aimed at the corporate segment, offering options for micro, small, and medium-sized companies to access various technologies that were previously targeted at large corporations. The e-commerce will feature a wide portfolio of computers and will offer solutions for various segments, ranging from simpler equipment for restaurant and bakery cash registers to high-performance computers for architecture and engineering offices, for example. With over 23 years of experience and established as a reference in robust computers for the government, educational, and corporate sectors, Daten is developing this initiative as part of a broader plan to strengthen the brand and expand its range of products and services.

“We are investing to reach new and diverse audiences in the corporate market, such as retailers andfood service, clinics and medical area, architecture and engineering, advertising agencies, among other sectors that are important pillars of the Brazilian economy. We also seek to strengthen the connection with our clients and partners by offering a digital experience aligned with Daten's innovation vision. We will deliver cutting-edge technology and affordable solutions that optimize operations and enhance the competitiveness of these businesses in their respective markets," says Paulo Pacheco, Channels Head at Daten.

According to the executive, because it is a genuinely Brazilian brand, Daten has a strategic vision aligned with that of the local entrepreneur, which causes the company to adopt a differentiated positioning in the market, aiming to provide greater cost-benefit. "When it comes to technology, whose investments are usually significant, Brazilians focus on the price but do not neglect the quality of the product, as they know this can negatively impact operations and generate even higher costs in the future. That is why Daten aims to provide the best technologies at affordable prices," he says.

The launch of the e-commerce reinforces Daten's strategy to democratize access to high-quality technology and facilitate the purchasing journey from large organizations to small entrepreneurs. The platform was designed with a focus on the customer experience, offering a user-friendly interface, intuitive navigation, and a segmented portfolio that allows for quick identification of solutions that meet each business's specific needs.

Among the available products are desktops, notebooks, mini PCs, and other machines that help manage payment systems, biometrics, inventory control, and even reservations, streamlining processes and improving the experience of employees in corporations and their end customers. Thus, it is possible to maximize operational efficiency and drive business growth.

In addition to providing a direct and simplified channel for acquiring technological solutions, e-commerce also represents an evolution in Daten's service model to the corporate market, integrating technology and consultative support. E-commerce allows customers to contact consultants directly to clarify doubts and receive guidance, providing a personalized experience for an intuitive and efficient shopping journey. In this way, Daten will be closer to its new audiences through technical support, assisting throughout the purchasing process and understanding market demands up close. This creates a feedback loop: current solutions meet customer demands and, at the same time, contact with them will allow Daten to develop new solutions that the market will seek in the future.

To enable this expansion, Daten has been investing in innovation, infrastructure, and product development. Currently, the company allocates 5% of its annual revenue to Research and Development, ensuring the continuous evolution of its portfolio and alignment with the demands of emerging markets. These efforts are complemented by a rigorous commitment to quality and sustainability, demonstrated by certifications such as ISO 9001, ISO 14001, ISO 45001, and ISO 37001, which reinforce operational excellence and corporate ethics in all of the company's activities.

"Data has always aimed to be a strategic partner for businesses, going beyond product delivery to provide complete solutions that generate real value for our clients. With this investment in new markets and the launch of e-commerce, we are reaffirming our commitment to innovation and creating opportunities for companies of all sizes to grow and thrive in an increasingly competitive business environment," explains Paulo.With the launch of the new website, Daten reaffirms its position as a company committed to leading technological evolution in Brazil. The platform is another step towards building a connected future, where technological solutions create opportunities for companies of all sizes and sectors.

To learn more about Daten and explore the solutions available, visit the new website athttps://empresas.daten.com.br

New platform rescues customers lost in sales

E-Commerce Update
-
0
New platform rescues customers lost in sales

Recicla Lead CRM startup announces the nationwide launch of a customer relationship management (CRM) platform with marketing automation and F&I. (F&I is the abbreviation for Financial and Insurance, which in Portuguese means financing and insurance), which besides recovering potential abandoned customers, turns them into business and exponentially increases store revenue.

Initially focused on the automotive sector, the solution, which has already demonstrated significant results in a pilot project at dealerships, now arrives with the promise of optimizing sales processes and boosting revenue for multi-brand dealerships across the country. The inclusive platform is already being used in a pilot project at some Audi dealerships.

The CEO Daniel Carvalho Cruz is in charge of the company Recicla Lead CRM, and he has the expertise of participating in the growth project of iFood, where he was one of the responsible for implementing the system, among other startups in more than 14 countries in South and Central America. And it highlights the passion for working with emerging brands. We use the same techniques to help expand these businesses. We work for small businesses with the same energy.

Overcoming Lead Management Challenges

In the competitive automotive market landscape, efficient lead management – potential customers – is a constant challenge. "Many companies still use spreadsheets to organize sales data, a method that proves vulnerable to information loss and customer abandonment who do not make a purchase initially. On the other hand, existing systems on the market do not have multi-platform integration, so stores need to use multiple platforms to complete the sales process," evaluates the executive.

Faced with this challenge, the Recicla Lead CRM system was developed as a platform that aims to “recycle” these leads, that is, to restore contact with customers who did not close a deal immediately and keep them engaged in the sales funnel.

Proven results and national expansion

The pilot project, implemented in over 60 stores and dealerships, showed a growth of up to 30% in the revenue of these participating companies. From then on, the expansion began to over 3,500 car dealerships across all states of Brazil. The impressive result validates the platform's effectiveness and drives expansion across the entire country. In March, negotiations begin for entry into Mexico, Colombia, and Portugal.

The success of the platform has sparked the interest of two retailers, Dahkar from Rio de Janeiro and Panorama from Ribeirão Pires, to invest and become partners.

We saw that many shared ideas had good synergy. As soon as we started operating, I realized that it was, in fact, a system born for the retailer and that focused on generating not only leads but value. Anyone familiar with the project quickly realizes that this CRM is here to stay. Mauro Cheister, a dealer of sales and rentals of vehicles for 22 years

CRM for the automotive sector: features and differences

Recicla Lead differs from other customer service platforms by being the only one focused on the automotive segment that, in addition to being omnichannel, offers F&I by providing complete and integrated solutions. In addition to the basic features of a CRM, such as contact management and sales funnel, the platform offers:

  • Multichannel Integration:Unified service via WhatsApp Business, Instagram and Facebook, centralizing communication with the customer on a single store number, through which the manager also has access to all negotiations, avoiding communication noise and possible errors.
  • Team Management:Tools for distributing leads, controlling tasks, managing service time and monitoring team performance in real time.
  • Integration with Advertising Portals:Connection with the main vehicle advertising portals, facilitating the capture of leads and the dissemination of offers.
  • F&I (Finance and Insurance):Complete platform for simulating financing with different banks, in addition to consortium solutions, car insurance and other financial products.
  • Reduce bureaucracy: Renave, license plate consultation, precautionary inspection, licensing and others to facilitate the legalization of vehicle documentation
  • Customer Remuneration:Recicla Lead CRM offers a remuneration program to customers, providing an opportunity for extra earnings for dealerships and resellers.

The company's differential, according to Daniel Cruz, is that “in the pilot project we realized the difficulties that the sales teams had in supplying data and that they abandoned leads that did not close the deal immediately, so we did the entire project together with the clients, creating a tool to recycle abandoned potential clients and make the sale, or even leaving everything automated so that the client receives the messages at the most appropriate time so that the opportunity is not lost and the commercial transaction occurs, leaving the sales team free for negotiations that are closer to closing the deal”.

It was necessary to offer multiple solutions, not just the CRM. So we highlighted F & I, as a differentiator. You can evaluate direct financing on the platform, increase revenue with the consortium, and insurance. In this way, there is also personalized service, firm monitoring of results, and dedication from everyone. We understand that a small store loses an average of R$ 25,000 in revenue per month without an F&I department.

Digital payment systems integration hub grows 60% and targets the betting and ERP sectors

E-Commerce Update
-
0
Digital payment systems integration hub grows 60% and targets the betting and ERP sectors

Shipay Technology,Digital payment systems integration hub, started the year motivated by an impressive performance. In 2024, the startup registered aaverage growth of 60%in three indicators: number of customers (44%), financial volume transacted (62%) and number of transactions processed (62%) – still in December, almost R$4 billion were processed, through 13.5 million transactions.

Driven by partnerships with major banks such as Itaú, Banco do Brasil, Bradesco, Santander, Sicredi and Sicoob, in addition to market-leading software such as TOTVS and SAP, Shipay has consolidated its position as aa complete payment solutionfor the companies. Founded in 2020, the startup integrates digital payment systems with various transaction formats such as Pix, digital wallets, and cryptocurrencies to ensure that businesses operate with simplicity and security, with immediate payment confirmations and the elimination of improvised cash reconciliation processes.

Large clients, such as Burger King and Porto Seguro, are also part of Shipay's portfolio, which also offers benefits including savings on transaction fees and the freedom to choose the preferred bank for receiving payments. "With the platform, our clients have the security that transactions are being processed quickly and without fraud risks, as the payment confirmation is directly validated by the bank. The flexibility to integrate multiple financial institutions also ensures operational continuity in case of any instability in a single bank's system," he emphasizes.Charles Hagler, former director of TOTVS, VP of Embraer and CEO of Shipay.

The services and technology of the hub reflect a broad movement in the digital payments market in Brazil. An Ebanx study indicates that Pix could surpass credit cards in e-commerce by 2025, accounting for 44% of online transactions, compared to 41% for credit cards. However, despite this growing adoption, 65% of companies still use bank slips as the main payment method, according to a survey by Qive, with support from Endeavor.This demonstrates that there is a significant space for reliable solutions that, in particular, integrate different forms of payment within corporate operations.

“With an increasingly significant transition from physical money to digital means, companies and consumers are more attentive to security and agility. Therefore, our focus for this year is to create a model that can be useful for companies in any sector, with a model that combines trust, flexibility and integration in payment and transaction processes”, he explains.Luiz Coimbra, president of Shipay and former director of Citibank and Itaú.

With bold goals for 2025, targeting the betting sector and ERPs (Enterprise Resource Planning), Shipay aims to further contribute to the modernization of this market. In the case of thebetsThe goal is to achieve 70% penetration and process approximately R$ 60 million in monthly transactions. Meanwhile, in the ERP sector, the goal is to integrate with at least 50% of the market, reaching 10 million transactions per month.

The future of retail: artificial intelligence as an ally in operations and service

Henrique Carbonell
-
0
The future of retail: artificial intelligence as an ally in operations and service

I have been closely monitoring the transformation happening in retail, driven by two pillars: operational efficiency and personalized service. These trends are already shaping the way retailers conduct their business and have been generating significant impacts.

Another topic that has been gaining increasing relevance is Artificial Intelligence (AI) and how technology can provide solutions that assist both in internal management and in the customer experience. These advances can be categorized into two main axes: operational efficiency and personalized service.

Operational efficiency: the impact on internal processes

One of the biggest challenges in retail is optimizing internal processes that involve everything from financial management to communication between store teams and distribution centers. AI-based solutions have proven to be promising in reducing stockouts and excess inventory, as well as improving return management. These changes are still in the initial stage, but they already point to a future where resource allocation and operational efficiency can be significantly enhanced.

In the back office, AI has also shown potential in automating financial and tax processes, providing more accurate data cross-referencing and contributing to faster and more informed decision-making. This type of technology is essential for retailers who want to stay competitive in an increasingly dynamic and complex market.

Personalization: the key to winning over consumers

The second major axis is the AI's ability to elevate the consumer experience to a new level. Today, there are already use cases that include everything from sending personalized offers based on purchasing behavior to creating more connected experiences between online and offline channels.

Imagine entering a store and receiving personalized recommendations in real time directly on your phone, or browsing an e-commerce site where the offers and suggested products exactly reflect your preferences. This is possible when there is a consolidated database and a robust architecture to support customization. However, the success of such initiatives still depends on advances in data collection, processing, and security of consumer data.

The next steps for retail

It is very clear that the use of AI in the sector goes far beyond a trend; it is a strategic necessity. Whether to reduce costs, optimize operations, or win consumer loyalty, companies need to invest now in solutions that integrate efficiency and personalization in a balanced way.

Digital transformation in retail is just beginning, and those who can implement these technologies efficiently will certainly be one step ahead of the competition.

High-performance leadership: discover strategies used by great leaders for engaged and productive teams

E-Commerce Update
-
0
High-performance leadership: discover strategies used by great leaders for engaged and productive teams

Well-led teams are 21% more productive, according to a global survey conducted by Gallup, a global research and consulting company. The study highlights that the leader's role is a determining factor in employee motivation and performance, which directly influences a company's results. This reality has driven the search for well-rounded leadership professionals, with technical, human, and strategic skills. In Brazil, this scenario is experienced firsthand by major entrepreneurs like Reginaldo Boeira, president of KNN Group, who applies a methodology focused on developing engaged and high-performance teams.

Boeira's leadership is based on recognition and continuous development of employees. Leading a group that includes nearly 20 companies, among them one of the country's largest language franchise networks with over 110,000 students and around 450 franchisees, he implements continuously adjusted processes that promote individual and collective appreciation. In this way, annually launches award programs based on performance metrics analysis, regular training according to market trends and new technologies, and an open culture forfeedbacks e suggestions.

The businessman, who has also written a book about "how to make money and succeed" and annually gathers thousands of entrepreneurs at his congresses and conferences, believes that investing in human potential is the key to success, including in dealing with new technologies like Artificial Intelligence, which, according to him, can be effective depending on the "human who operates it." These procedures not only improve operational results but also increase team satisfaction and commitment. "The success of a company is inevitably the result of the development of the people who are part of it," he says.

From talent identification and job alignment, based on the employee's experience and profile, and results analysis, there is the fundamental recognition process that sometimes goes unnoticed in organizations. However, when he is producing, generating results, and perceives that he is recognized and encouraged to grow, he becomes even more committed and becomes an active part of the business's purpose," highlights Boeira.

In addition to internal human resources initiatives, the entrepreneur adopts strategies that strengthen communication between the leadership of his companies and the employees. For this, it promotes in-person meetings, lectures, and conventions that bring managers closer to the operational reality and the team's needs. These actions are reinforced by internal organizational climate surveys, which help identify areas for improvement and anticipate challenges. According to a Deloitte study, 75% of business leaders believe that leadership quality is the main competitive differentiator in a transformation scenario. For Boeira, this perception is confirmed in everyday life.

"It's not enough to master processes and tools. Today's leader needs to inspire, listen, and understand the team's motivations. When there is this genuine connection, work flows, results appear, and people grow together," emphasizes the businessman. With this vision, KNN Idiomas, one of its companies, has been gaining prominence in the educational sector, maintaining high levels of internal satisfaction and constant expansion. Practical experience shows that well-prepared leadership, with a close and empathetic approach, has the power to transform the organizational environment and enhance results.

Financial protection: relief for the impact of temporary loss of income

Tatiana Martins
-
0
Financial protection: relief for the impact of temporary loss of income

As with every beginning of the year, extra expenses can compromise the family budget and lead to debt. Accounts such as property tax (IPTU), vehicle tax (IPVA), vehicle licensing, school supplies, insurance, and other seasonal expenses arise simultaneously, creating a significant financial challenge. To prevent these expenses from becoming a burden, organization and financial planning are essential.

Planning finances is not about accumulating wealth, but about maintaining balanced financial health to avoid unnecessary debt. Many families go into debt because they do not adequately prepare for predictable expenses such as those at the beginning of the year, which, although 'shocking', are already part of the routine. Creating a financial strategy means planning the budget in advance, saving money throughout the year, and avoiding costly financial solutions such as loans and installment plans with high interest rates.

Recent data indicates that in 2024, the percentage of indebted families reached record levels. According to the National Confederation of Commerce of Goods, Services, and TourismCNCAbout 77% of Brazilian families are in debt, with a large part of these debts linked to credit cards, followed by financing and personal loans. The scenario highlights the need for better financial planning and strategies to avoid excessive income commitment.

The main causes of indebtedness include high inflation, which reduces purchasing power and forces many families to resort to credit to cover basic expenses; high interest rates, which increase the cost of credit; and unemployment, which jeopardizes the financial stability of many households. Furthermore, the lack of financial education causes many consumers to make decisions without properly assessing the long-term impacts. Impulsive spending, excessive installment plans, and the lack of an emergency fund further worsen the situation.

To avoid debt and ensure greater financial security, some solutions can be adopted. Financial planning is essential, allowing families to monitor their expenses and adjust the budget as needed. Creating an emergency fund that covers at least three to six months of expenses can prevent loans during times of hardship. Another strategy is to control excessive use of revolving credit and seek interest-free installment alternatives whenever possible.

In addition to these measures, the purchase of financial protection products helps prevent debt. This type of protection provides support during times of adversity. With these coverages, policyholders can rely on resources to cover their basic expenses without resorting to loans or compromising their budget. In this way, the smart use of these solutions helps maintain financial balance and provides greater peace of mind for Brazilian families.

Without a doubt, protecting oneself financially is essential to avoid debt and ensure a balanced financial life. Planning ahead, creating an emergency fund, and avoiding installment payments with high interest are essential steps to start the year without stress. Organization and discipline help keep accounts up to date and avoid financial worries in the future.

PIX payments grow in e-commerce and stores seek solutions to increase sales

Felipe Rodrigues
-
0
PIX payments grow in e-commerce and stores seek solutions to increase sales

Imagine that on any given day you decide to check the prices of a new coffee maker and find a good deal that offers an additional discount for payments made via PIX. Immediately, you decide to make the purchase. Add the product to your shopping cart, enter the delivery address, but when it comes to completing the payment, you realize that your smartphone is out of battery, meaning you'll need to wait before making the payment. It happens that after 30 minutes, you no longer remember that you left the coffee maker in the shopping cart and did not complete the purchase of the product.

The scene described above is more common than one might imagine. Yes, because PIX has already become one of the favorite payment methods of Brazilian consumers. According to a survey conducted by Worldpay, a global leader in payment solutions, technology already accounts for 30% of the value transacted in digital commerce, and projections indicate it will reach 50% by 2027. Furthermore, it is common for consumers not to complete their online purchases and even forget to return to them due to mere distraction or some other situation that occurs at the crucial moment for e-commerce.

The increasing use of this payment method is, of course, interesting for e-commerce. After all, besides being another option for consumers, it also opened an interesting opportunity for real-time receipt of the full value of the offered products. As an incentive, many stores even choose to offer additional discounts to those who select PIX at checkout.

However, since not everything is perfect, there are cancellations before the transaction is completed, and due to this consumer behavior – as well as a series of others – the need for the development of special solutions also arises, which can help online stores increase sales conversion and reduce payment abandonment rates.

These tools operate automatically through customized triggers that monitor orders with PIX as the selected payment method in order to send personalized reminders to the consumer if they do not complete the purchase of that specific product or service, thus preventing the e-commerce from losing sales. The activation occurs whenever the payment is not detected within a 20-minute interval. Consumers are notified by the platform through automatic reminders via email, SMS, or WhatsApp. In many cases, online stores offer additional advantages, such as free shipping, discounts, or cashback, to encourage the consumer to complete the purchase.

The solution even delivered impressive results during Black Friday 2024. Online stores specializing in women's fashion, streetwear, and artisanal soap-making, which started using the solution about three days before the official global event date, recorded an average of 67% of message views with reminders about uncompleted purchases, and the most positive aspect is that about 32% of transactions were completed via PIX after sending this reminder. The result is significant and positions the solution as a positive option for Brazilian e-commerce.

The evolution of native advertising combined with artificial intelligence

Edu Sani
-
0
The evolution of native advertising combined with artificial intelligence

The numbers for native advertising are quite encouraging. A study conducted by Sharethrough/IPG Media showed that consumers look 53% more at native advertising than at display ads. The same research showed that native ads increase purchase intent by 18% and that 32% of respondents would share a native ad with a friend or family member, while only 19% would do so for display ads.

According to Global Growth Insights, the global native advertising market was valued at $111.67 billion in 2023, with an outlook of reaching $127.52 billion in 2024, reaching $368.9 billion by 2032, representing an annual growth of 14.2% from 2024 to 2032. This report also highlighted that the use of AI and machine learning in native advertising is one of the most relevant trends in the coming years, as these technologies help better understand customer preferences and behaviors and offer more personalized campaigns, in addition to optimizing ad placement according to what is best received in a given inventory.

The adoption of artificial intelligence is also quite important because one of the main challenges of native advertising, since it gained prominence in digital media, is precisely adapting the same creative to different inventories, each with its own characteristics. It's a relatively simple job, since it follows a pattern, but it takes some time. Before AI, changes had to be made one by one by the agency professional in order to deliver the same message to various different outlets with the same editorial content characteristics.

Thanks to these new technologies, it is now possible to make all these adjustments automatically, regardless of the vehicle in which the part will be used; it is adapted in seconds by the tool itself. At ADSPLAY, we use Native 3.0, which allows simultaneous delivery of native ads across multiple inventories.

Alongside Programmatic Media, the solution has intelligent algorithms that optimize publications 24/7. Without the advertiser needing to worry, it will appear where it is most suitable to achieve their goals with their consumers.

Among the advantages of using AI to create native ads are the exponential learning of the algorithm and automatic optimizations. After the machine learns, which usually takes about 90 days, the improvement in performance is immense.

This is one of the great benefits of artificial intelligence: doing the repetitive work that would take up a lot of professionals' time. While the machine works with its algorithms, these professionals can be developing other activities, less tedious and more creative, in which they are truly needed.

1...202203204...526Página 203 de 526

LATEST ARTICLES

POPULAR TOPICS

POPULAR CATEGORIES

ABOUT US

E-Commerce Update is a leading company in the Brazilian market, specialized in producing and disseminating high-quality content about the e-commerce sector.

Contact contato@ecommerceupdate.com.br

© E-Commerce Update 2024 - All rights reserved.

[elfsight_cookie_consent id="1"]