Start Site Page 235

How to boost e-commerce in 2025?

If you want to expand your business in 2025, know that e-commerce can bring excellent results for that. According to data released by the Brazilian Association of Electronic Commerce (ABComm), e-commerce is expected to grow even more this year, reaching a total revenue of R$ 224.7 billion. If the perspective becomes a reality, Brazil will be in its eighth consecutive year of sector growth – demonstrating a very positive outlook and ample space for business establishment and prosperity. Yes, as long as they pay attention to important strategies and trends to achieve this goal.

In recent years, many actions have been standing out in the country and being heavily invested in by companies on their online platforms, becoming essential to not fall behind in this great marathon ahead of all e-commerce. Getting to know them thoroughly is essential to understand which one makes more sense for your reality and objectives, so that you can explore the sea of opportunities that the digital environment offers.

For those who do not have extensive knowledge of more advanced strategies in this universe, entering marketplaces is an excellent way to start this journey. They are great spaces to showcase your products to an audience that generally looks for more common items, almost to the point of being called "commodities" nowadays; in addition to already having the purchase intention. In these channels, it is important to put effort into maintaining good communication within the platforms, answering potential customers' questions, and maintaining a good rating, so that they have a high number of sales and reliability.

Another quite interesting movement already established in other countries but not yet fully explored here is live commerce, which is nothing more than the use of live audiovisual broadcasting tools with the aim of selling products. This modality was already widely seen in the past in other formats, such as the famous case of Shoptime, which was always on air with salespeople presenting various products and promotions.

Within the digital sphere, however, we still do not see this strategy being used in a widespread manner, something that could be explored further by various brands and establishments – whose key to success that will make it work and bring exceptional results will be the tripod of humanization, connection and transparency that will be transmitted to the consumer.

Forming partnerships with influencers is also likely to be a great action to boost sales in e-commerce this year, directing more targeted communication focused on a specific target audience and a "loyal follower" of that public figure. If there isn't a large budget to invest in these more famous people, one point to consider is hiring micro-influencers, which can be a move within this big "game" capable of boosting people who are, definitely, your audience, at relatively lower prices.

Based on the strategies presented above, it is important to have discernment about the pros and cons of each to understand which one best aligns with your business model and is viable within your current economic and structural scenario. Instead of creating mass marketing plans, opting for targeted campaigns at an audience with a strong interest in the products offered in your store can increase the conversion rate, while also making it easier to use influencers and reducing expenses on paid media.

Finally, it is of utmost importance to understand that increasing your orders and customers is pointless if the company does not yet have an infrastructure base to support an aggressive increase in the number of orders and after-sales service for potential consumer needs in special cases. So, to scale your e-commerce business, consider the points and tips highlighted above that will certainly guide a very promising path to achieve wonderful results in this online universe.

5 essential solutions and strategies for e-commerce in 2025

According to the Brazilian Association of Electronic Commerce (ABComm), by 2026, Brazil will have more than 100 million online buyers. To keep up with this demand and strong trend, companies feel compelled to adopt technologies that ensure efficiency and innovation within the digital realm. It is no coincidence, therefore, that the World Economic Forum indicates that next year, increasing digitalization will contribute approximately US$100 trillion to the global economy, consolidating investment in digital tools as a strategic necessity for brands.

According to Gabriel Lima, CEO and founder ofENEXTSpecialized full digital consulting, accelerated transformation goes beyond the possibility of enhancing results, also providing clear competitive advantages such as higher customer retention, increased revenues, and resource optimization. From the executive's perspective, companies that do not invest in digital strengthening risk falling behind.

"Solutions such as artificial intelligence, data analytics, and intelligent logistics systems demonstrate tangible benefits by enhancing operational efficiency, reducing costs, and accelerating decision-making," he states. "In an increasingly dynamic market, relying on these innovations has become decisive for companies that wish to stand out and prosper," he adds.

With that in mind, the specialist listed 5 digital solutions deemed essential for brands aiming to stand out in the market next year. Check it out

Automated retail media

Retail media is gaining ground as a strategic tool to increase ROI within marketplaces. Market data indicates that about 73% of purchasing decisions are influenced by personalized ads. Companies that invest in this solution can boost sales and strengthen their connection with consumers by offering products and conditions more aligned with their interests.

"In the current scenario, retail media is consolidating as one of the main tools to increase ROI in the country's leading marketplaces such as Mercado Livre, Amazon, and Magazine Luiza," says Lima. "The solution not only boosts sales but also creates a more targeted and enjoyable shopping experience for the user," he points out.

AI for Customer Experience Personalization

AI-based tools elevate the level of personalization in e-commerce, enabling better product suggestions and recommendations based on each user's individual shopping behavior. According to McKinsey data, AI-powered personalization solutions can generate up to a 40% increase in company revenues.

“Technology goes far beyond basic personalization. Through its high data analysis capacity, it is able to understand consumer purchasing behavior at an extremely detailed level, allowing for better recommendations and more robust strategies,” explains Gabriel Lima.

Advanced SEO and performance optimization

Search engine optimization online should also establish itself as a central pillar in 2025. Advanced SEO strategies, combined with performance analysis, ensure that companies achieve more organic traffic, reducing customer acquisition costs, and also help brands gain greater organic visibility within these search channels.

Cross-channel media management

Integrated campaigns between different and diverse channels, such as social networks,searchandretail media, they are responsible for ensuring a more consistent brand presence. For the specialist, with the expansion of AI and the possibility of omnichannel personalization, it is already possible to increase the sales conversion rate by up to 25% thanks to this strategy.

“Cross-channel media management keeps consumers engaged and delivers consistent results. Omnichannel personalization is crucial to increasing customer retention and conversion across different touchpoints,” highlights ENEXT’s CEO.

Integrated CRM and Marketing Automation

The use of robust CRMs integrated with marketing automation solutions will also be essential in 2025. Thanks to the help of these tools, brands are able to manage leads, build customer loyalty, and automate personalized communications, contributing to improved conversion rates and optimizing the customer experience and business results.

“Automating customer relationships is essential to ensure efficiency and offer a personalized experience on a large scale. In 2025, this will be essential for companies seeking sustainable growth,” concludes Lima.

5 Tips to Improve Customer Experience in 2025

According to a Bain & Company survey, increasing the retention rate by 5% can boost profits by 25% to 95%. Furthermore, for 73% of respondents, the customer experience was a key factor influencing their purchasing decisions, according to a PwC study. In other words, theCX(Customer Experience) is the main trend in 2025.

5 Tips to Improve Customer Experience in 2025

The dynamism of the business world requires competitive strategies to stand out. Among the options, enhancing the customer experience should always be the focus. Because it is the best way to retain the audience, boost the company's progress, and increase positive results. In this scenario, Carlos H. Mencaci,CEO Total IP has provided some tips on how to use technology as the greatest ally. Veja: 

1) Data analysisUse data analysis tools to better understand behavior and preferences. We have solutions capable of automating offers, which can be sent by amailling extensive contacts”, comments Mencaci.

2) Chatbots intelligentThis is the best strategy because they operate 24 hours a day, any day of the week. "With Total IP's Dynamic Robots, it is possible to provide instant and personalized support, enhancing the customer service experience," he adds.

3) PlatformsomnichannelIt is essential to be present on all communication channels, engaging with the audience. With Total IP, the executive can integrate different channels, such as social media, email, and phone, to provide a consistent and seamless experience, regardless of who is on the other side of the screen.

4) Continuous feedback: Requestfeedback regular of the clients. Additionally, with the Dynamic Research Robot, it is possible to gather opinions after each active call. "These insights are valuable for continuously adjusting and improving the products offered," emphasizes theCEO from Total IP.

5) ExperiencemobileMore and more, Brazilians spend their time on their phones. Therefore, it is essential to optimize thesite and mobile applications to ensure their interactivity and responsiveness, facilitating navigation and completing purchases viasmartphones.

Finally, investing in modernizations with the goal of enhancing the customer experience is not an expense, but an investment. According to Harvard Business Review, satisfied consumers spend an average of 140% more compared to dissatisfied ones. Furthermore, 86% are willing to pay more for a better experience, according to RightNow. That's why having the right partner to take your business to the next level is the best strategy!

Expert explains how to create emotional connections with consumers

The consumer experience has never been more crucial to a brand's success. In a saturated digital world with increasingly demanding consumers, companies need to go beyond simply selling – they need to create authentic emotional connections.

For Talita Watanabe, CEO of 4us, 2025 will be marked by this necessity. "Experiences have ceased to be a differentiator and have become a strategic necessity for customer loyalty," he/she/they states. But how can companies offer something truly memorable to their consumers?

The pandemic has transformed the way people view consumption. Previously, the focus was on accumulating material goods; now, consumers seek authenticity and personalized experiences. "We no longer want the same. Consumers value brands that understand their needs, care about exclusivity, and create unique moments," explains Talita.

Personalizing means understanding the consumer deeply, from their product preferences to their emotions and memories. Small details, like remembering a specific choice or creating surprising interactions, make all the difference. McKinsey studies indicate that brands that invest in personalization increase customer loyalty by up to 40%.

Artificial intelligence and augmented reality are strategic tools to enhance experiences. Whether through immersive interactions, personalized services, or digital engagement strategies, technology has the power to bring brands and consumers closer together. "Technology, when well used, optimizes the delivery of experiences and makes the consumer's journey more exciting," emphasizes Talita.

Creating impactful experiences means building a long-term relationship with the consumer. Talita differentiates between fidelity and loyalty: "Fidelity is related to advantages, such as discounts. Loyalty is related to emotions. Even if another brand offers something better, a loyal customer remains because they identify with the company's values."

A good example of this are football fans. Even when your team loses, they continue to support. The same logic applies to brands – when a consumer feels part of a company's story, they become a true ambassador.

Companies that want to invest in the customer experience in 2025 need to start understanding their own values. "Authenticity is the key. The first step is to know exactly what the brand wants to convey and then map out how it connects with the desires of your audience," advises Talita.

Other strategies include:

  • Create engaging narratives:Storytelling is a powerful tool for generating emotional identification.
  • Map touchpoints:The customer experience must be consistent from the first to the last contact with the brand.
  • Listen and adjust constantly:Collecting feedback and adapting strategies is part of the process.

For Talita, the future belongs to brands that understand that selling goes beyond the product. "The experience must be surprising and meaningful. In 2025, the winners will be those who can move people."

Artificial intelligence is already adopted by 65% of companies

Companies of all sizes are betting on artificial intelligence (AI) to transform their internal and external processes. According to a 2024 study by McKinsey, 65% of companies are regularly using AI in at least one business function. The percentage shows a significant increase compared to the previous year, when 40% of organizations had adopted the tool.

The survey also revealed that 50% of companies that adopted artificial intelligence experienced an increase in productivity. The businessman Frederico Stockchneider, Technology Director at InfoWorker, states that AI is reshaping management and corporate routines. "It's an irreversible process. Companies that do not adapt to the new resources will lose competitiveness to their rivals because what is at stake is the speed of resolving demands and cost reduction," he comments.

Stockchneider explains that there are various AI solutions on the market and that the choice of the best resource depends on factors such as the company's profile, area of operation, volume of available data, purpose, among others. He cites, for example, Microsoft's tools, which it offers to its clients. "Demands change according to the needs of each organization," he/she/they points out.

SMEs

Whether in a small business or a multinational, integrating AI into corporate routines is more than a trend: it is a necessity. Stockchneider emphasizes that the AI revolution is not limited to large corporations. Affordable and flexible solutions also enable small and medium-sized businesses to adopt technology. "Whether in customer service with intelligent chatbots or in inventory management, AI is helping to level the playing field," he emphasizes.

Among Microsoft's most sought-after products, according to him, are Power BI – which uses AI to provide comprehensive data analysis, allowing companies to visualize data intuitively to guide strategic decisions – and Azure Machine Learning, which is a machine learning platform that enables building, training, and deploying AI models at scale. "Azure is recommended for organizations that want to leverage the power of machine learning to solve complex problems," he clarifies.

According to him, artificial intelligence has been a tool used for several years, but it has recently become popular mainly thanks to solutions like ChatGPT and Microsoft Copilot, which help automate tasks, provide insights, and improve team collaboration. "They are resources indicated to automate repetitive tasks, analyze large volumes of data, and provide valuable insights that aid in decision-making," he states.

ADDED VALUE

Another major advantage, highlights Stockchneider, is that artificial intelligence helps improve operational efficiency by optimizing processes and reducing human errors. McKinsey's research indicated that AI is being more commonly adopted in functions where it can add value, such as marketing, sales, and product and service development.

However, despite the advances, the implementation of artificial intelligence is not without challenges. The need for employee training, integration with existing systems, and issues related to ethics and privacy are some of the points that require attention. "More than technology, it is essential for companies to invest in education and the creation of an organizational culture adapted to this new moment," he/she/they assess.

The Tech Director of InfoWorker states that this is even a niche where AI has been widely used. Copilot, for example, is a feature that helps employees work more intelligently and collaboratively, allowing them to focus on higher value-added activities.

Red Hat In-Vehicle Operation System Receives International Security Certification

Another international certification has been achieved by the Red Hat In-Vehicle Operation System in recent days. The new recognition of mixed criticality functional safety is related to the Linux Math Library license, achieved in July of last year, bringing the functional license closer to ISO 26262 Automotive Safety Integrity Level B (ASIL-B) for the operating system, which allows the solution to be launched in the market. The framework highlights Red Hat's commitment to providing innovative, native Linux functional security for automobiles.

The mixed criticality demonstrates the platform's ability to run Automotive Safety Integrity Level B (ASIL-B) applications together with Quality Management (QM) software on a single chip (SoC) and within a single operating system. This advancement is made possible through robust evidence of "Freedom From Interference" (FFI) in the layers of the operating system, paving the way for direct application integration for security in next-generation automotive systems.

In collaboration withexida, Red Hat has developed and validated anew approachto meet the objectives of functional safety standards, including ISO 26262, and which aims to overcome the challenges associated with complex legacy open source software.

For Francis Chow, Vice President and General Manager of In-Vehicle Operating System and Edge at Red Hat, the certification represents an important step toward establishing open software as a benchmark for autonomous vehicles. "By combining edge computing with Linux's proven reliability, we are building a foundation that not only meets critical security standards but also enables automakers to offer personalized, connected, and adaptable driving experiences at scale," he said.

Agribusiness marketplace that connects producers and consumers in an innovative way projects half a billion traded in the 2024 balance sheet

It dawned in the countryside. And with the arrival of the day, the gates open for the future and innovation. In a scenario where agribusiness continues to be one of the main driving forces of the Brazilian economy, moving around R$2.5 trillion in 2023, JPA Agro has been standing out as an essential pillar for the sector's sustainable and technological development, already projecting a GMV of R$500 million in the 2024 balance sheet.

With a pioneering vision and comprehensive solutions for producers and companies, the company has established itself as the largest and most innovative e-commerce platform in agriculture in Brazil, bringing a new perspective to a traditionally physical market. "We created the largest solutions hub for the national agribusiness, combining convenience and security for the sector that is the heart of Brazil's economy," says Leandro Avelar, Founder and CEO of Grupo JPA.

However, to understand this story, it is important to take a step back and start with a little context of this sector that is so powerful on the national scene, and then explain how JPA Agro works to transform it day after day.

Brazilian agribusiness: a national economic force

Brazilian agribusiness is one of the engines of the economy, contributing approximately 27% of GDP and employing millions of workers across all regions of the country. Data from the Center for Advanced Studies in Applied Economics (CEPEA) show that, only in 2023, Brazil produced more than 300 million tons of grains and solidified its position among the largest exporters of soybeans, coffee, beef, and other agricultural products. In a robust and increasingly digitalized, efficient, and connected market, JPA Agro positions itself as a facilitator and accelerator of this transformation.

In the midst of this robust market, which demands efficiency, connectivity and technological innovations, JPA Agro has been meeting the demand with a complete digital platform that facilitates marketing and financial support, promoting access to inputs and credit in an unbureaucratic and accessible manner.

“JPA Agro offers an innovative platform that meets the needs of modern producers, who seek agility, security and technology to enhance their performance in the field. Our complete digital platform facilitates marketing and financial support, promoting access to inputs and credit in a straightforward and affordable manner,” highlights Leandro, emphasizing the company’s commitment to the growth of Brazilian agribusiness.

JPA Agro: innovation and connection at the heart of national agriculture

Founded 15 years ago as a commodities brokerage, JPA Agro has expanded its operations to become the only Brazilian agro marketplace that offers a complete range of products and services, ranging from the sale of inputs to strategic financial solutions through JPA Cred.

The company not only connects producers and consumers but also operates from the sale of supplies to the provision of a set of integrated financial solutions through JPA Cred, optimizing the user experience and enhancing the reach of rural businesses. "Our purpose is to revolutionize the sector, providing the producer with a complete and hassle-free shopping experience on a robust and innovative e-commerce platform that elevates rural businesses in Brazil to new heights," complements Avelar.

With a business model based on sustainability and an approach of conscious capitalism, JPA Agro invests in the growth of producers, encouraging practices that benefit them and bring good results for Brazil's economy as a whole. For example, through an action front called JPA Intelligence, the company has been developing innovative initiatives such as the Milk Exchange Index – a novel tool that helps producers manage costs, margins, and better understand market trends to make better purchasing decisions – and the "milk-verso" platform, aimed at training and educating rural workers.

JPA Cred: enhancing agriculture with unique financial solutions

To meet the financial needs of the rural producer, JPA Agro created JPA Cred, a financial arm that provides the producer with quick and streamlined access to financial resources. In 2023, JPA Cred granted R$100 million in credit, with the expectation of reaching R$180 million by the end of this year, boosting agribusiness and strengthening the national production chain.

With services such as receivables anticipation and operational credit, JPA Cred facilitates access to capital so that producers can invest in technology, equipment and expand their operations.

“With JPA Cred, we bring credit and agility to rural producers, allowing them to buy now and pay later. It is the type of flexibility and support that transforms rural business and contributes directly to the growth of Brazilian agriculture,” concludes Leandro.

Driven by the service sector and changes in consumer habits, food retail is becoming more heterogeneous, details NRF 2025

The food retail sector has been undergoing profound transformations in the way it exists over the past ten years. Due to changes in consumer habits and technological advancements, the previously clear division between dining out and grocery shopping has been blurred, making the sector more heterogeneous. According to the research "Retail Reinvention: A Framework for Future Growth," conducted by Euromonitor in partnership with the National Retail Federation (NRF) and presented exclusively at NRF Retail’s Big Show 2025, although in 2023, 72% of global food sales came from supermarkets, grocery stores, and local hypermarkets, these sectors have shared space with discount wholesalers, buying clubs, food e-commerce, and food delivery, pickup, or takeout services.drive-thru.  

"Youdrive-thrusare expanding beyond traditional networks offast foodand now they are adopted by coffee shops, bakeries, and even casual restaurants. Another important trend is the merging of retail with food services. This includes the increase of ready meal stations in supermarkets and the integration of kitchens‘ghost kitchens’in large supermarket chains. These are culinary operations that prepare meals exclusively for delivery or takeout, often sharing space with other brands to reduce costs," explains Michelle Evans, Global Lead, Retail and Digital Consumer Insights at Euromonitor International, and author of the study, who dedicated a lecture at the event to the research.  

According to her, consumers' pursuit of convenience, cost-effectiveness, health, and sustainability, especially in North America, is transforming the way they buy and consume food. An example of this is the fact that, worldwide, 60% of customers say they prefer brands that demonstrate a commitment to sustainable practices. They are also willing to pay more for more nutritious and better-tasting products, as well as preferring locally produced foods. In this scenario, the challenge for retailers is to ensure convenience for the consumer in everything they want and need, and at this point, digitalization takes a central position.   

Michelle suggests that technology will be essential for the continuous growth of the food retail sector, whether in physical or digital space, as it helps improve the customer experience. The study conducted by her shows that 58% of consumers already research on their cell phones before making food-related purchases, which did not happen ten years ago. Furthermore, by 2025, there is an expected 5% growth in online food purchases. This is already happening in larger stores, where the purchase starts online but ends in the physical store. The customer searches on the restaurant's website or app, but goes to the store to see the product and have the experience of being there, sitting there, and spending some time. The physical space then becomes a hubof experiences, which provides the opportunity to try products and have someone to serve and ensure personalized, assisted service," comments Pedro Albuquerque, co-founder and Director of New Business at RPE – Retail Payment Ecosystem, a company specialized in payment solutions.

This movement suggests a new dynamic in retail, which is investing in private labels, while brands are acting more like retailers, a strategy used to build customer loyalty and create more identity, as well as to offer higher profit margins when well implemented. In addition to being possible to practice it at all stages of the purchase journey, it has a special role in the payment stage. "A smooth, frictionless payment journey can be the icing on the cake for a positive purchasing process. The retailer can also offer their own cards that guarantee discounts or easier payment options, such as larger installment plans. Depending on the customer's needs, it is also possible to secure lines of credit or loans," explains Albuquerque.

For the specialist, the most interesting thing for the retailer is to create a business plan tailored to their reality to ensure financial structuring, risk mitigation, and a strategy that takes into account the specificities of the food retail market. The RPE can assist the retailer in developing a business plan for financial structuring and provide a comprehensive end-to-end technology platform so that they can operate a product in retail. Additionally, we provide full support for him to manage the operation. The platform iswhite label, so it can operate in supermarkets, hypermarkets... This will ensure operational efficiency, technology, and a smoother, more convenient shopping experience for the customer, without friction.  

Aramis uses AI to elevate the shopping experience with virtual fitting room

Fashion is entering a new era, and theAramis, one of the most innovative Brazilian brands, is leading this transformation. With the implementation of virtual fitting rooms equipped withArtificial Intelligence (AI)in your store atMorumbi Shopping, in São Paulo, the brand is redefining the retail shopping experience.

The novelty allows customers to try on clothes entirely digitally, without queues and with an impressive level of personalization. The technology captures the customer's image and, in a few seconds, simulates how different clothing items look on the body, in various sizes and colors. It is a technological leap that promises not only to make shopping for fashion easier but also to transform the way we do it.

How does the Aramis virtual fitting room work?

The operation is simple and intuitive. A camera captures the customer's image in 360 degrees, creating a virtual avatar. This avatar is then combined with a database filled with available items in the store, allowing the customer to see in real time how each outfit fits their body. It's like testing the pieces without having to take them off the rack.

Why is this technology so innovative?

The Aramis virtual fitting room goes beyond convenience. It brings benefits that make the shopping experience more practical, sustainable, and immersive. Check the main points

  • Full customization:Each customer can visualize how the clothes fit their specific body, increasing the chance of finding the perfect fit.
  • Agility and convenience:No long lines or constant exchanges. The customer tries on several pieces in a few seconds, saving time and optimizing the purchase.
  • Sustainability:By reducing the handling of physical parts and the excessive use of packaging, technology helps minimize waste, aligning the shopping experience with more conscious practices.
  • Immersive experience:The fitting room transforms shopping into a fun and immersive activity, bringing the virtual experience closer to the real one.

Aramis as a pioneer in technological fashion

With this initiative, Aramis reinforces its commitment to innovation and the modern customer. The application of artificial intelligence in retail demonstrates how technology can be an ally in the search for solutions that combine practicality, personalization, and sustainability.

Whether for those looking to refresh their wardrobe or explore the future of fashion, virtual fitting rooms are more than a tool: they are the beginning of a new era in the relationship between consumers and brands. Stop by the store ofMorumbi Shoppingand discover how Aramis is changing the way we experience fashion in Brazil.

Koin to invest R$30 million in anti-fraud solution to expand in Brazil and Latin America in 2025

In a globally expanding market, Koin, a fintech specializing in simplifying digital commerce, will invest around R$30 million to advance its anti-fraud solutions in Brazil and Latin America in 2025. Driven by the increase in digital transactions and the sophistication of fraud attempts, the fintech aims to expand its portfolio and introduce new technologies to ensure increasingly secure transactions in e-commerce.

“Our goal is to provide retailers with access to quality anti-fraud solutions with features such as biometrics and 3DS, an e-commerce authentication protocol, which increases transaction security and generates a better shopping experience, to prevent losses in online purchases,” explains Dieter Spangenberg, Chief Payments and Fraud.

Developed to prevent fraud in e-commerce transactions and maximize sales conversion rates, Koin's solution uses artificial intelligence and machine learning to analyze transactions in real time, identifying suspicious patterns and fraudulent behavior.

Studies indicate that, in just the first nine months of 2023, R$ 41.4 billion in losses were avoided in the country thanks to authentication and fraud prevention tools. According to theGlobal eCommerce Payments and Fraud Report, by 2024, retailers in Latin America spend almost twice the global average to manage payment fraud (19% versus 11%), especially SMEs with revenues between US$50,000 and US$5 million in annual e-commerce sales.

For the consumer, the lack of security when shopping online also brings losses. A recent survey by Koin itself on the landscape of scams and virtual frauds showed that consumer vulnerability remains a threat. According to the survey, 62.4% of Brazilians have experienced some attempt of a virtual scam, most of them (41.8%) on shopping websites.

Therefore, the evolution of anti-fraud solutions is essential to simplify transactions and provide a smoother shopping experience for the brand partners' consumers. "We are leaders in Argentina and are steadily growing in Brazil, offering essential tools to ensure consumer safety and protect companies against financial fraud," highlights Spangenberg.

Koin operates in Brazil, Argentina, Colombia, Mexico, Peru, Uruguay and Chile, and already has major clients such as Decolar and Jetsmart, Nike, Frávega, Indrive, Simmons, Clickbus and Reebok, helping to offer secure and flexible payment solutions in several countries.

Focus on transactions in the Koin app

In parallel, the fintech invests in transactions through its own app. Since its launch just over a year ago, the app has surpassed 1.5 million downloads and is experiencing a monthly growth rate of over 50% in transaction volume. According to Lucas Iván Gonzalez, Chief Product Officer and Chief Commercial Officer of the Company, "60% of Koin's daily operations come from the app, which has been increasingly used by consumers when seeking credit to make installment purchases in their favorite stores."

"With the variety of payment methods, in addition to the benefits provided to the consumer in our app, we expect to triple the transaction volume in 2025," highlights the executive.

In 2025, Koin aims to consolidate its presence in BNPL with an increasing diversification of segments, such as tourism, education, clothing, cosmetics, sports, and pets. According to the fintech executive, the goal is to expand the democratization of credit to new areas of consumption in Brazil.

The continuous strengthening of the client portfolio, combined with the growth of the app and the expansion of anti-fraud solutions, aims for Koin to establish itself as a leading player in digital financial inclusion. "Our goal is to chart a solid path to lead the anti-fraud market in Latin America and BNPL in Brazil, developing products and partnerships that bring accessibility and flexibility to merchants and consumers," completes Gonzalez.

[elfsight_cookie_consent id="1"]