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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.

PagBank closes 2024 with record net profit of R$2.3 billion

THEBanking, a full-service digital bank offering financial services and payment methods, whose purpose is to make the financial lives of people and businesses easier, ended the fourth quarter of 2024 (4Q24) with anet revenue of R$5.1 billion, an increase of 18% compared to the same period last year, andnet profit of R$ 631 million, reflecting a 21% year-over-year increase, reaffirming its capacity for sustainable growth and resilience in the face of a challenging macroeconomic scenario. Still in this context, the return on equity (ROAE) reached 15.2% in 2024, which reinforces the robustness of the results.

“PagBank’s performance in the last quarter of 2024 proves our ability to navigate different economic cycles with consistency. Even in the face of challenges such as high interest rates and exchange rate volatility, we maintained our growth strategy, expanding business, acquiring new customers and strengthening our financial services platform,” highlights Alexandre Magnani, CEO of PagBank.

In 4Q24, PagBank reached the milestone of33.2 million customersa growth of 2.1 million customers in the year. The total volume processed in payments(TPV) reached R$ 146 billion, which represents a 28% increase over the fourth quarter of 2023. In the year, the TPV was R$ 518 billion, a 32% increase compared to 2023.

The Company invested R$2.3 billion in technology throughout 2024, launching new products and services, improving the quality of service to our customers and expanding business.

The expanded credit portfolio also stood out, reachingR$ 48 billion,a 46% year-over-year growth. The total volume of deposits amounted toR$ 36.1 billion,an increase of 31% y/y, reflecting customer confidence in the Institution.

PagBank is a full digital bank, offering our clients access to a diversified portfolio of financial and payment products and services, ranging from acquiring solutions, as well as credit products, investments, insurance, among others. We are present throughout the country, currently boasting the largest acceptance network for payment solutions, with6.3 million traders. The robustness of our financial ecosystem is also evidenced by the almost 18 million active customers who choose PagBank as their main Banking platform”, points out Gustavo Sechin, Director of IR, ESG, Market Intelligence and Economics at PagBank.

Financial discipline and the pursuit of greater operational efficiency resulted in a 74 basis point increase in operational leverage during the quarter. The share buyback program, which totaled R$ 784 million in 2024, reinforces PagBank's commitment to creating value for shareholders. "We remain focused on maximizing returns for our investors by combining solid growth with disciplined financial management. In this regard, PagBank is not only growing in scale but also strengthening its profitability consistently," says Artur Schunck, CFO of PagBank.

Outlook for 2025: keeping an eye on market movements and focusing on growth

PagBank maintains a positive outlook for 2025. The bank aims to continue expanding its customer base, broadening its product offerings, and increasing its market share, always guided by financial solidity and innovation.

“We remain committed to our purpose of making the financial lives of people and businesses easier, delivering an experience that consolidates and simplifies our customers’ financial relationships. Our expectation for 2025 is to expand our presence in the market, reinforcing our commitment to our customers, shareholders and business partners,” concludes Magnani.

In addition to business expansion, PagBank continues to advance its ESG initiatives, consolidating itself as a reference in the financial sector in good environmental, social and governance practices.

To access PagBank's financial statements for 4Q24,Click here.

Pix, young population and taste for innovation should take Brazilian e-commerce to US$ 585.6 billion in 2027

Driven by the success of Pix and a large young population enthusiastic about technology and open to a digital innovation culture, Brazilian e-commerce is expected to reach US$ 585.6 billion in 2027, representing a 70% increase compared to 2024. This progress should be recorded even on a strong base, considering that the local e-commerce has already been growing at double-digit rates in recent years. The findings are from the 2nd edition of thestudy “Global Expansion Guide for High-Growth Markets, produced by Nuvei, a Canadian fintech specializing in payment solutions. The survey focuses on Brazil and South Africa, an emerging country with similar characteristics that is also expected to expand e-commerce by 2027.

The report is part of a series of studies that analyzes e-commerce in eight high-growth markets mapped by Nuvei — Brazil, South Africa, Mexico, Hong Kong, Chile, India, Colombia and the United Arab Emirates.

By mapping the local landscape and the characteristics and preferences of consumers in Brazil and South Africa, Nuvei's report serves as a kind of guide with insights and strategies for foreign companies interested in selling online in the local market, as well as for Brazilian companies looking to offer their products in other high-growth potential countries. In other editions, the research focuses on several countries with high-growth markets, capable of leading the global e-commerce surge to surpass the trillion-dollar mark by 2027 – reaching an estimated US$ 1.23 trillion, an unprecedented milestone. The previous edition covered Colombia and the United Arab Emirates, and the upcoming ones will focus on Mexico and Hong Kong, followed by Chile and India.

According to Nuvei's study, e-commerce in Brazil moved US$ 346.3 billion in 2024. To give an idea of the recent progress, in 2018 this volume was US$ 85.5 billion. Based on factors such as Brazilians' high adherence to new technologies and, consequently, innovations in payments – as demonstrated by the success of Pix, now used by 90% of the adult population, according to the Central Bank – e-commerce in the country is expected to reach a 585% increase over the 2018 figure by 2027 – that is, in less than ten years.

Emerging markets, such as Brazil and South Africa, are not only keeping up with global e-commerce trends: in fact, they are driving these trends, with their large populations and the constant development of new payment technologies, such as Pix in Brazil and PayShop in South Africa, says Daniel Moretto, senior vice president of Nuvei Latin America. The series of studies analyzes e-commerce in eight high-growth markets mapped by Nuvei. "These are all markets with innovative payment ecosystems that are at the forefront of global e-commerce advancement," he adds.

Cross-border sales

And it's not just internally that Brazil has been growing in e-commerce. Nuvei's data shows that cross-border online sales (the so-called cross-border online commerce) are expected to jump from $26.6 billion in 2024 to $51.2 billion in 2027—a 92.5% increase over the period. Considering the compound average growth of cross-border online commerce from 2023 to 2027, the increase is 28%. In 2023, Brazil had a 7% share of the global e-commerce market. Among emerging countries, Chile accounts for the largest share of operations, with 23%, followed by Mexico with 20%.

Featured sectors

Looking at the domestic market, the retail segment had the highest volume of e-commerce transactions in 2024, totaling US$ 137.3 billion. Next, highlights include travel ($56.7 billion), betting ($39.3 billion), delivery and ride-hailing apps ($16.8 billion), and streaming services ($10.7 billion). Various categories totaled another $67.8 billion.

Payment methods and instruments

In terms of payment methods, Nuvei's estimate is that Pix will be the preferred choice of consumers in 50% of e-commerce transactions in 2027 – up from 40% in 2023. It is interesting to note that domestic credit cards, although they have lost market share, still account for around 30% of online purchase payments in 2024 (34%) and are expected to remain at 27% in 2027. This resilience of credit cards is related to the possibility of installment purchases. This cultural inclination towards installment payments on credit cards limits the expansion of the so-called BNPL (buy now, pay later), common in other countries. Here, BNPL accounts for only 1% of transactions, a percentage that is expected to remain the same in the coming years.

Smartphones are Brazilians' preferred tool for online shopping, with over 72% of transactions in 2024 – year after year, the convenience of mobile has been surpassing purchases made on desktops and laptops. "Mobile devices are usually the main platform for shopping, banking transactions, and payments, reflecting Brazilian consumers' preference for seamless and on-the-go digital experiences," observes Moretto.

In the Brazilian case, as in other markets, companies operating with e-commerce must pay attention to consumers' preferred payment methods. "From the seller's point of view, offering the most suitable payment solutions for each market's preferences increases the chances of sales conversion. That's why it is essential to map them so that companies can better direct their efforts," comments Moretto. In this sense, Nuvei supports companies that need to understand markets in depth through payment solutions tailored to each market. Furthermore, it offers services that connect online selling companies with local partners in order to avoid unnecessary costs associated with having their own structures outside the country.

South Africa

Another focus of the second edition of the report, South Africa is also experiencing strong growth. In the country, e-commerce moved US$ 10.1 billion in 2024, a volume that is expected to increase to US$ 15.8 billion in 2027 – a growth of 56.4%. Most of the purchases in 2024 were paid with debit cards, accounting for 41% of the total. Although the expectation is that this payment method will maintain this share in the coming years, the study estimates that bank transfers will gain ground.

Brazilian startup accelerates e-commerce results with Generative Artificial Intelligence

Generative Artificial Intelligence is already a transformative reality for e-commerce, and ShopNext.AI is proving this with concrete numbers. In just six months of operation, the startup has already delivered significant results for online retailers, establishing itself as a reference in the use of AI for personalization, engagement, and management in the sector.

Since its debut, ShopNext.AI has been revolutionizing digital retail with its advanced solutions. The highlight is ShopNTalk, a suite of conversational tools that significantly improves the shopping experience and operational efficiency. The platform, which allows searches by natural language and integration with WhatsApp for cart recovery and campaigns, has already demonstrated a direct impact on its clients' revenue.

The results speak for themselves: an average monthly ROI of 28 times the investment in ShopNTalk, an average revenue increase of 7%, and a 70% reduction in the volume of inquiries generated via the website. Additionally, the solution has a 95% accuracy rate in responses, optimizing customer service and increasing conversion rates.

"Our goal has always been to make Artificial Intelligence accessible and effective for digital retail. These first months of operation show us that we are on the right track, delivering solutions that directly impact our clients' sales and operational efficiency," says Pedro Duarte, CEO and co-founder of ShopNext.AI.

In addition to ShopNTalk, the startup is preparing new launches for 2025, including tools for catalog management, digital media, and data intelligence. The goal is to expand the customer base and reach 2,000 retailers by the end of the year, establishing ShopNext.AI as a strategic partner for the sector.

With a portfolio of solutionsplug and playFor platforms like Vtex and Shopify, the company already has brands such as Ad Lifestyle, Parcelex, and Dorel Juvenile among its clients. And the plans don't stop there: the startup is also developing customized projects for major brands, applying Generative AI to solve specific market challenges.

“We are building the future of e-commerce with intelligence and innovation. Generative AI can become the center of a retailer’s operations, connecting all essential areas of the business into a single solution. Our initial results are just the beginning of what we can achieve,” concludes Duarte.

Seasonality and strategy: How special dates can boost sales

Seasonality is a phenomenon that affects various sectors of the market, and generating revenue during certain periods can serve as a plan for businesses. The first step is to plan important dates for the target audience and map out possible strategies to increase sales, such as the Carnival period, for example. According to the National Confederation of Commerce of Goods, Services, and Tourism (CNC), in 2025 the date is expected to generate R$12.03 billion in revenue. One of the sectors benefited during this period is fashion, which is experiencing increased demand for clothing and costumes. Businesses focused on the circular economy also stand out and are expected to see a positive increase in sales. For Michelle Svicero, a fashion specialist and director of Release, a premium thrift store chain, it is essential to get ahead of the sales strategy. "For the months of February and March, we have a promising projection, with a 20% increase in sales compared to last year," he comments.

For the network director, planning ahead allows for more creative and organized actions, which is a significant advantage. "THEtimingPerfect, it makes the customer think of you as the first brand in mind, getting ahead of the competition. For this, always start working on the date 15 to 30 days before the event. The correct approach is to create an annual plan that, while being well-structured, is flexible enough to accommodate unforeseen events that may arise throughout the months. Planning and flexibility must go hand in hand, and not be opposing paths," he explains.

To attract the audience, social media is one of the main sources of marketing dissemination. In addition to being within reach at all times, it also enables result metrics that specify the audience, allowing for testing various forms of communication. For Michelle, from a precise analysis of the audience and well-applied marketing, the consequence is an increase in demand. "Another important point is to use the moment as a way to retain customers beyond the dates. The key is to do the simple things well. In other words, excellent and humanized service will make the customer want to experience the pleasant experience again," concludes the businesswoman.

The Future of Payments: How Technology is Redefining the Way We Shop in 2025

A few years ago, imagining a world without cash seemed like science fiction. However, today we are already used to paying with a simple tap on the phone or even imperceptibly, with transactions happening automatically in the background. In 2025, this transformation continues to accelerate, shaping new consumption habits and challenging companies to offer faster, safer, and more personalized experiences.

In Brazil, the impact of this evolution is evident. Pix, which quickly gained the favor of consumers, has established itself as the preferred payment method for online and in-person purchases. With the arrival of Automatic Pix, which allows recurring payments without the need for manual authorization, and International Pix, which promises to facilitate global transactions, convenience has never been so present in Brazilians' daily routines. This change not only accelerates consumption but also forces companies to rethink their strategies, ensuring they offer options compatible with this new reality.

At the same time, digital wallets are gaining even more space. With a simple gesture on the phone or even on wearable devices, consumers can make effortless payments. In addition to convenience, these wallets become true financial hubs, integrating services such as instant credit, cashback, and even investments. The shopping experience becomes more seamless, without the need to insert cards or fill out lengthy forms, eliminating barriers that previously led to cart abandonment.

Another determining factor for the future of payments is the advancement of artificial intelligence and machine learning. These resources not only optimize transaction security by identifying and preventing fraud in real time but also personalize the consumer's journey. It is already possible for a payment system to suggest the best way to complete a purchase based on the user's history, offering flexible installment plans, discounts on certain options, or even pre-approved credit at the exact moment of need.

The expansion of "buy now, pay later" (BNPL) also reconfigures people's relationship with credit. This model, which has already become popular among the younger crowd, allows consumers to purchase products without the need for a traditional credit card, dividing the payment into interest-free installments with instant approval. In 2025, the trend is that this format will diversify, catering from small amounts in e-commerce to more substantial purchases in sectors like tourism and education.

Meanwhile, the advancement of digital currencies issued by central banks (CBDCs) promises to further revolutionize the global financial system. Countries like Brazil, China, and the United States are already testing their versions of official digital currencies, paving the way for a future where international transactions can be made without intermediaries and at reduced costs. For companies operating in foreign trade, this means greater efficiency and increased competitiveness in markets previously inaccessible.

Looking at this horizon, one thing is certain: paying has never been so easy, fast, and invisible. The future of payments is not just digital, but smart, intuitive, and adaptable to each consumer's lifestyle. And for companies that understand this movement and prepare for it, the opportunities are endless.

By Walter Campos, General Manager of Yuno

Increase in cyberattacks in the country leads companies to adopt urgent protection measures

In an increasingly digital world, cyberattacks are becoming a growing threat to companies of all sizes. To give an idea, according to information from Check Point Research (CPR), the number of cyberattacks in Brazil increased by 95% in the third quarter of last year. Among the most common types of invasions are ransomware, phishing, and DDoS, which target both large corporations and small to medium-sized businesses.

Given this scenario, digital security has become a strategic priority for organizations, requiring continuous investment in technology, training and threat monitoring.

For Evandro Ribeiro, Head of Information Security at Avivatec, an ecosystem of digital solutions and end-to-end technology for businesses, “most cyberattacks exploit basic vulnerabilities, such as configuration errors and weak passwords. This means that prevention is often within the reach of all companies, despite there still being a lack of awareness and good security practices in companies,” he comments.

Strategies to prevent cyberattacks include implementing robust layers of protection, ranging from firewalls and antivirus to advanced threat detection solutions based on artificial intelligence. Furthermore, employee training is essential to mitigate risks. Phishing attacks, for example, occur when cybercriminals impersonate trusted sources to deceive users and induce them to reveal sensitive data or download malicious files, exploiting human vulnerability very effectively. Without proper training, a single click on a malicious link can open the doors to a systemic invasion.

Between 2013 and 2015, Google and Facebook were victims of a fraudulent scheme that resulted in a loss of $100 million. The scammer impersonated the Quantum supplier and issued false invoices, which both companies paid without suspecting the fraud. The crime was discovered later, leading to the arrest of the responsible party, who was eventually extradited from Lithuania. After legal actions, the companies recovered $49.7 million, less than 50% of the diverted amount.

Another critical point is the quick response to incidents. Many companies do not have a structured containment and recovery plan, which can amplify the damage of an attack. "Having a well-defined response plan is essential to minimize impacts and safely resume operations. This includes updated backups, clear procedures for threat isolation, and efficient communication protocols," comments the specialist.

With the advancement of data protection regulations, such as the General Data Protection Law (LGPD), which establishes guidelines for the collection, storage, and use of personal information, companies need to strengthen their efforts to ensure compliance and security. Negligence in this aspect can result not only in financial losses but also in damage to reputation and loss of customer trust.

“Today, cybersecurity is no longer an option, but a necessity. Companies that do not prioritize this issue run a significant risk of suffering attacks that can compromise their operations and their credibility in the market,” concludes Evandro.

Generation Z drives demand for logistics warehouses and accelerates the sector’s appreciation

The growth of e-commerce and the rise of Generation Z as the dominant consumer force have transformed the logistics market in Brazil. This generation, composed of young people born between 1995 and 2010, who by 2030 will represent 58% of the global workforce, has highly digital and immediate purchasing habits, which has driven the need for more efficient and well-located distribution centers. This movement has increased the demand for logistics warehouses and accelerated the appreciation of these assets. In 2024, the e-commerce sector in Brazil generated R$ 205 billion, a 10.5% increase compared to the previous year, with over 418.6 million orders and an average ticket of R$ 490. By 2025, the projection is that online sales will exceed R$ 234 billion. The data is from the Brazilian Association of Electronic Commerce (ABComm)

Generation Z is the most connected in history, which reinforces its impact on the growth of e-commerce. According to a survey by Kantar IBOPE Media, 98% of individuals from this generation access the internet regularly, spending an average of 6 hours and 45 minutes online per day. This behavior directly reflects in consumption habits, with increasingly frequent and immediate purchases, accelerating the demand for agile and sophisticated logistics. Because of this, the appreciation of these assets continues at an accelerated pace, with a projected growth of nearly 20% by the end of 2025.

“Generation Z is redefining the consumer market and, consequently, the logistics sector. This audience demands speed and convenience, which has driven the growth of e-commerce and increased the demand for more agile and efficient logistics operations. As a result, the demand for modern and well-located warehouses has skyrocketed, making these assets strategic for large retailers and logistics operators. This movement not only drives the sector’s appreciation, but also attracts investors who see logistics warehouses as a safe and highly profitable opportunity, especially in regions close to urban centers and transportation corridors,” highlights Renato Monteiro, CEO of Sort Investimentos.

Currently, the price per square meter already exceeds R$ 5,500 but may reach R$ 6,500 by the end of the year, due to the increased demand for high-end logistics spaces, also called Triple A, which are modern constructions that ensure efficiency and security for storage and distribution. This type of warehouse has a ceiling height above 12 meters, level floors that support more than 5 tons per square meter, advanced fire fighting systems (J4 sprinklers), and a strategic location near highways, ports, and airports.

The vacancy rate of logistics warehouses managed by Sort Investimentos dropped to 0.5% in 2024, with transactions totaling over R$ 100 million, a 30% increase compared to the previous year. "With the rise of Generation Z and the advancement of automation technologies, logistics warehouses are becoming one of the most strategic investments in the real estate market, ensuring high profitability and continuous appreciation in the coming years," concludes Renato.

Havan Group achieves record results in 2024 and consolidates itself as a retail powerhouse

Extraordinary is the word that defines Havan Group's financial results in 2024. With a growth of 22.2%, gross revenue reached a historic mark of R$ 16 billion, establishing itself as one of the largest powers in Brazilian retail.

The gross margin also showed a significant improvement of 3 percentage points (p.p.), rising from 37.9% on December 31, 2023, to 40.9% at the end of 2024. The EBITDA margin registered a growth of 7 percentage points, increasing from 16.9% to 23.9% in 2024.

Another impressive milestone was the net profit, which reached R$ 2.7 billion, an extraordinary increase of 82.4% compared to the previous year, when the group recorded R$ 1.4 billion. The net margin increased significantly by 6.7 percentage points, reaching 22.8%.

Havan's owner, Luciano Hang, makes a point of recognizing that the success of 2024 is a reflection of the commitment and dedication of the entire team.

“Legendary American football coach and commentator Jimmy Johnson said that ‘the difference between ordinary and extraordinary is that little extra.’ There is no other word that comes to mind when we look at Havan Group’s 2024 results: extraordinary! To borrow Jimmy Johnson’s phrase, it was all the ‘little extras’ we did throughout the year that made us achieve such a great result,” he says.

The businessman emphasizes that each of the small actions of each of the more than 22 thousand employees, the dedication and continuous search for excellence were essential to achieve the results.

“Havan’s success is not just about the people ‘in-house’, but each supplier, with each of their employees, is also part of this result. Therefore, I want to thank our customers, employees and suppliers for delivering in 2024”.

In 2024, the ongoing efforts to achieve a competitive and profitable business were also rewarded with an important recognition: the new rating devised by the international agency Fitch Ratings, which awarded Havan the highest grade AAA. "The new rating confirms the safety and strength of Havan's growth, as well as reaffirming our commitment to grow and innovate sustainably," highlights Hang.

With unprecedented financial performance and promising prospects, the Havan Group is targeting new records for 2025, when it intends to surpass the R$18 billion revenue mark and reach 190 megastores in Brazil.

The future of paid traffic in e-commerce: how to sell more while spending less in 2025

In 2025, digital marketing is undergoing major transformations, driven by technological innovations and new ways of consuming content. According to data released by Sebrae, based on research by the Interactive Advertising Bureau (IAB) Brazil, investments in digital advertising in the country reached approximately R$ 32.4 billion. On the other hand, a study conducted by Nielsen revealed that, on average, 34% of digital media investment is wasted in the Brazilian market due to invisible, off-target, and fraudulent results, which amounts to more than R$ 5 billion lost annually.

Artificial intelligence and automation

Artificial intelligence and automation have begun to become part of paid traffic strategies, bringing a more efficient way to manage campaigns. Tools like Google Ads and Meta Ads, for example, are becoming increasingly smarter, allowing real-time adjustments. This helps brands reach their audience more effectively, making the results more relevant.

Luís Gustavo Parrela, CEO of Dbout Mídia, emphasizes that "success in paid traffic lies in understanding how platforms are evolving and using data to make more precise segmentation." He also emphasizes that this technological advancement is not just about automation, but about improving the user experience, making campaigns more effective.

The growth of social commerce

Social commerce has been one of the major bets, such as Instagram, TikTok, and Facebook social networks, which are no longer just spaces for socializing but also for shopping without leaving the platform. In 2024, social commerce accounted for nearly 20% of online sales, and projections indicate massive growth, potentially reaching $8.5 trillion by 2030, according to Vogue Business.

Parrela also states that "we are leaving behind traditional campaigns and moving towards something more immersive, where personalization and automation are key to engaging and generating good results." Consumer behavior is changing, and now they prefer a more direct and practical shopping experience on the social media platforms they already frequent.

Changes in consumer behavior

Consumers are also more demanding. They seek convenience, relevance, and a smoother experience with brands. Advertising content needs to be well targeted and also deliver what customers truly want, at the right time.

Parrela observes: "The digital marketing of the future will be a combination of artificial intelligence, new consumer expectations, and more agile strategies that adapt in real time." In other words, companies need to be ready to respond quickly to the needs and expectations of a constantly changing audience.

The CEO of Dbout Media emphasizes that the secret lies in the intelligent use of data and automation. "Many companies invest without identifying where they are going wrong. With strategic adjustments, it is possible to scale sales without inflating the budget," he says.

With increasingly fierce digital competition, the challenge is not just to invest more, but to invest intelligently. Reevaluating metrics, constantly testing, and adopting a strategic approach can be the difference between growth and waste in e-commerce.

The convergence between platforms and ads

And finally, we have the convergence of social platforms with native ads. Nowadays, consumers prefer to shop directly on social media without having to leave them. Social media has become true sales points, and those who know how to effectively use direct purchase tools and native ads will have a significant competitive advantage.

Parrela concludes: “Social platforms are becoming the new points of sale. Those who know how to take advantage of direct purchasing tools will come out ahead.”

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