Start Site Page 250

With an eye on customer safety, Vivo expands its value proposition with “Safe Mode”

Vivo has just launched the "Safe Mode" platform, which reinforces its commitment to customers' digital security. In addition to the best internet connection, the company aims to provide customers with confidence in using electronic devices peacefully through a hub that centralizes information and useful tips, as well as a new portfolio of services focused on protecting devices and personal data.

Safe Mode platformBring up a special page on the operator's website and digital content in the Vivo App with guidelines to prevent scams and invasions, as well as the possibility of subscribing to services like Cell Phone Insurance directly through the app. With this initiative, Vivo is leading by offering solutions to ensure that its customers have a smoother experience in the digital world. Safe Mode contains information and practical solutions for issues such as settings to increase device protection, safe Wi-Fi usage, fraud prevention information during technical visits, as well as tips to protect data and configure access codes.

“Digital security is an increasingly present concern in people’s lives, as they spend a large part of their time online, whether on social networks, messaging apps or shopping online. In this scenario, adopting protection for devices and personal information is essential. More than offering the best network and connection for customers, we want to ensure that they have a safer experience when it comes to their cell phones and the digital environment,” says Marina Daineze, Vivo’s Brand and Communications Director.

Safe Mode campaign, created by Africa, will feature content on social media, films, and other activities that will address the topic in a didactic and straightforward manner. The campaign activation will be broad and multichannel, ensuring presence at various touchpoints with the audience. The promotional pieces will be broadcast on open TV, pay TV, and cinemas, as well as having a strong presence in outdoor, print, and digital media. To strengthen the connection with the audience, the campaign features Julia Iorio, a digital influencer and lead actress in the films, who embodies the authentic and approachable tone of the message.

With "Safe Mode," we turn digital security into an engaging, accessible experience focused on the needs of the audience. This campaign reinforces Vivo as a technology company that not only offers services but also security and trust, always with a touch of closeness and innovation," concludes Heloisa Pupim, co-COO of Africa Creative.

Reputation far beyond crises

One day, a company (also any company) discovers that it is the target of an unusual number of complaints from customers, users or consumers, whether on social networks, specialized services and portals, or government agencies.

The red alert goes on: it is necessary to alleviate the discomfort, find ways to get around the situation, solve the problems and (or) often, just try to hush up the case so that it does not get bigger and end up, I don't know, on a Sunday TV program with a large audience as a negative example of the actions of evil companies.

A crisis of this type falls into the category of harmful events, with a high chance of damage. It's not the only one, of course. Risk management areas can focus on issues ranging from executive kidnappings to large-scale fires, hacker attacks, and increasingly, climate disasters. All of this goes through evaluations, insurance company analyses, and the like.

Reputation is built brick by brick

In this context, reputation takes a leading role. But the thing is, suddenly building a good guy face out of nowhere doesn't work.

Reputation is not something that comes overnight. It is built slowly and steadily, brick by brick, with attention to details often overlooked in everyday life. Imagine a company whose receptionist is in a bad mood and greets (or treats) clients with roughness or indifference. Even though, in most cases, it is an outsourced professional, the disappointment is already present. A mistreated consumer at the call center, a delay in delivery (or payment), clumsy technical support... every small touchpoint can become a benefit or a detriment to the reputation.

Here at Percepta, one of our partners reports that years ago, they had a problem with the car rental company Localiza. "I'm upset and that's it," he says. But this year, he had to use the spare car and was directed by the insurance company specifically to Localiza.

“No matter the details, another problem occurred. Instead of using Reclame Aqui, I went to the store where I picked up the car and explained the problem, and the lady helped me wonderfully. What’s more, I needed the answer to my question to be sent by email. I contacted Localiza, explained this need and, once again, I was surprised by the quality of the service”, he says.

This is one of the best examples of how small things have the power to change an assessment.

When she becomes even more necessary, during a moment of crisis, it is this "balance" (or "debit") of reputation that will work in favor of resolving the conflict, whatever it may be (or not, in the case of "debit"). Without further exploring this favorable capital, management already incurs losses, forced to build overnight what should be sown daily, compelling the teams on the field to perform virtual juggling to keep everything on track.

Honestly comparing it is like literally trying to put a band-aid on a broken leg. Of course, there are professional teams with enough experience to replace the band-aid with orthopedic surgery, but the cost is high. The time required is long, the results come later, but by then the damage has already been done. Therefore, here are sayings as old as they are valid: in reputation, it is also grain by grain that the hen fills her belly, and slow and steady wins the race.

5 fundamental points, among many others that can be explored to avoid a crisis:

One day, a company (also any company) discovers that it is the target of an unusual number of complaints from customers, users or consumers, whether on social networks, specialized services and portals, or government agencies.

The red alert goes on: it is necessary to alleviate the discomfort, find ways to get around the situation, solve the problems and (or) often, just try to hush up the case so that it does not get bigger and end up, I don't know, on a Sunday TV program with a large audience as a negative example of the actions of evil companies.

A crisis of this type falls into the category of harmful events, with a high chance of damage. It's not the only one, of course. Risk management areas can focus on issues ranging from executive kidnappings to large-scale fires, hacker attacks, and increasingly, climate disasters. All of this goes through evaluations, insurance company analyses, and the like.

Reputation is built brick by brick

In this context, reputation takes a leading role. But the thing is, suddenly building a good guy face out of nowhere doesn't work.

Reputation is not something that comes overnight. It is built slowly and steadily, brick by brick, with attention to details often overlooked in everyday life. Imagine a company whose receptionist is in a bad mood and greets (or treats) clients with roughness or indifference. Even though, in most cases, it is an outsourced professional, the disappointment is already present. A mistreated consumer at the call center, a delay in delivery (or payment), clumsy technical support... every small touchpoint can become a benefit or a detriment to the reputation.

Here at Percepta, one of our partners reports that years ago, they had a problem with the car rental company Localiza. "I'm upset and that's it," he says. But this year, he had to use the spare car and was directed by the insurance company specifically to Localiza.

“No matter the details, another problem occurred. Instead of using Reclame Aqui, I went to the store where I picked up the car and explained the problem, and the lady helped me wonderfully. What’s more, I needed the answer to my question to be sent by email. I contacted Localiza, explained this need and, once again, I was surprised by the quality of the service”, he says.

This is one of the best examples of how small things have the power to change an assessment.

When she becomes even more necessary, during a moment of crisis, it is this "balance" (or "debit") of reputation that will work in favor of resolving the conflict, whatever it may be (or not, in the case of "debit"). Without further exploring this favorable capital, management already incurs losses, forced to build overnight what should be sown daily, compelling the teams on the field to perform virtual juggling to keep everything on track.

Honestly comparing it is like literally trying to put a band-aid on a broken leg. Of course, there are professional teams with enough experience to replace the band-aid with orthopedic surgery, but the cost is high. The time required is long, the results come later, but by then the damage has already been done. Therefore, here are sayings as old as they are valid: in reputation, it is also grain by grain that the hen fills her belly, and slow and steady wins the race.

5 fundamental points, among many others that can be explored to avoid a crisis:

  1. Be the strategic guardian of your brand: monitor the health of your brand over time, follow what is being said about the company on social media, in the press, by your business partners and on review sites:
  2. Proactively manage customer and employee feedback: there is no point in encouraging customers and employees to provide feedback if complaints are not responded to quickly and problems are not resolved in a timely manner;
  3. Communicate directly with each of your stakeholders, personalize your messageEnsure that the company's communication is clear, honest, and transparent with all stakeholders, including clients, partners, and employees. Avoid promises that cannot be fulfilled;
  4. Employee training and values alignmentEnsure that all employees are aligned with the company's narrative and prepared to represent the brand appropriately. Employee behavior has a significant impact on external perception;
  5. Take Care of Your ESG Narrative: develop actions that have synergy with the company's values and that are maintained in accordance with the brand's purposes and the expectations of its audience.

Stablecoins on the Rise: 5 Sectors That Will Lead Payments Innovation in 2025

As stablecoinsThey have established themselves as an economical, transparent, and agile alternative to simplify payments and mitigate volatility risks across various sectors. The recent study by Bitso Business,“Stablecoin Ecosystem in Latin America: A Guide for Global Business Leaders”, developed by PCMI, highlights how stablecoins are becoming preferred methods for global value transfers. By eliminating intermediaries, they reduce costs and speed up transactions.

The use ofstablecoinsIt advanced significantly, reaching a market capitalization of $168 billion in October 2024 and moving trillions of dollars annually. The total supply exceeded US$ 150 billion in 2024, and the outlook for 2025 indicates that these currencies will continue to enhance functions traditionally attributed to money, such as payments in strategic sectors:

  1. International shipments:The World Bank estimates that the remittance flow reached US$ 685 billion in 2024, with Latin America accounting for a significant share of this amount. However, high costs and delays due to multiple intermediaries remain challenges for financial companies and users. As stablecoinseliminate these barriers, making international transactions more economical and agile.
  2. Games and digital entertainment:The gaming industry continues to expand rapidly, with projections to reach $321 billion by 2026, according to a PwC report. As stablecoinscan drive this growth by solving issues of payment fragmentation and incompatibility across games, platforms and providers, ensuring fast and transparent transactions integrated into global ecosystems.
  3. Import and export:Sectors dependent on global supplier networks face challenges such as fragmented regulations and payment complexities. As stablecoinsemerge as an efficient solution, offering 24/7 availability, instant and secure transactions, in addition to reducing fraud and increasing the efficiency of supply chains.
  4. Companies expanding into Latin America:The Latin American cross-border B2B market, valued at $600 billion, could reach $1.37 trillion by 2030. However, companies entering the region need to deal with challenges such as currency volatility, limited access to banking systems, lack of liquidity, and complex regulations. To assist in this process, they are using stablecoin-based solutions on platforms like Bitso Business to access the Latin American market in a regulated manner and with connection to local payment systems.
  5. Global Payroll:The globalization of the labor market, intensified by the pandemic, has expanded opportunities for professionals to work remotely. However, paying these collaborators without a local financial institution or connection to payment systems is a challenge. As stablecoinsfacilitate this process by offering lower fees, more security and financial inclusion, eliminating geographical barriers.

Different sectors are realizing the potential ofstablecoinsto make international payments faster, safer, and more economical. The adoption of these currencies offers competitive advantages, especially in markets that require high efficiency and transparency.

¹ https://www.pwc.com/gx/en/issues/business-model-reinvention/outlook/insights-and-perspectives.html

Internationalization of information products boosts digital businesses in Brazil

The global information products market, expected to generate US$480 billion by 2027, opens its doors for Brazilian producers to reach new audiences and diversify their sources of income.

Companies like Ticto, one of the leading online sales platforms for digital businesses in Brazil, are leading this advancement by offering technologies that simplify international transactions, enabling the sale of courses, mentorships, and other digital products in multiple markets. In 2024, Ticto plans to double its revenue with this global expansion, with an average monthly growth of 20%.

Technology that opens frontiers

However, the internationalization of info products is not limited to translating their content. It involves tools that enable transactions in different currencies, compliance with local laws, and technical support tailored to the needs of global producers and consumers.

Ticto invested in international certifications and technologies that enable multi-currency payment processing, as well as multilingual support. This structure enables Brazilian entrepreneurs to expand their businesses without barriers, reaching audiences in the United States, Europe, and other Latin American countries.

“Our priority is to facilitate the process so that Brazilian producers can focus on what they do best: creating content that impacts lives. We offer solutions that guarantee security in transactions and efficiency in delivery, regardless of the market,” he says.Renatto Moreira, CMO and co-founder ofTick.

Ease for producers and consumers

Among the features supporting international expansion is the integrated checkout system, which adjusts the shopping experience to the target market, avoiding friction in the payment process. Additionally, tools like "Boleto and Pix Infinito" offer the necessary flexibility for consumers, while automation features minimize cart abandonment, increasing the conversion rate.

Another advantage is the support for member areas with intuitive organization and simplified management. These features meet the growing demand for online educational content and allow infoproduct creators to keep their audiences engaged, regardless of location.

Seas never before sailed

Moreira emphasizes that this internationalization is an inevitable movement for digital producers seeking sustainable growth. "The possibility of selling globally broadens horizons and diversifies sources of income. Our goal is to offer a reliable and tailored platform for each market, delivering the best experience for producers and consumers," he comments.

The platform is also preparing to serve international producers, offering robust technical support tailored to the requirements of different countries. This includes compliance with regulations such as GDPR in Europe and the implementation of anti-fraud tools to ensure transaction security in any region.

Impact

The infoproduct market is advancing rapidly worldwide, mainly driven by the pursuit of online education. In Brazil, this market moved approximately R$12 billion in 2021, with an expected annual growth of 20% until 2025. This advance reflects the change in consumer behavior, who seek practical solutions for professional training and personal development.

Ticto has already helped launch products that stood out in the market, such as the "Millionaire Nomad" course, which reached R$128 million in sales in 50 days. This success demonstrates the sector's potential and the platform's effectiveness in turning ideas into profitable businesses.

For the future, the company plans to expand its operations in Latin America and Europe, establishing itself as a reference in the segment. "We are ready to meet high demand and offer solutions that drive businesses anywhere in the world," concludes Renatto.

The essentials for legal security in companies

Labor compliance has become a fundamental pillar in companies, especially in times of constant updates to labor legislation and the pursuit of a more ethical and safe work environment. He not only ensures that companies comply with current regulations but also reduces the risk of labor liabilities and improves the relationship between employers and employees.

According to Juliana Stacechen, an employer labor lawyer, "labor compliance is a set of rules and procedures aimed at ensuring that companies comply with labor legislation, avoiding legal conflicts and promoting an ethical work environment." She highlights that one of the biggest benefits of this practice is the mitigation of labor lawsuit risks, since many lawsuits originate from failures in routine procedures, such as time tracking and benefit payments.

The role of a labor lawyer in implementing a business plan goes beyond simply reviewing contracts. "It is essential for the professional to be involved in all phases of the process, from the creation of internal policies to the formation of compliance committees," says Stacechen. This action allows identifying possible violations of regulations and creating customized solutions for each type of company.

Another crucial point is organizational culture. According to Stacechen, "a company that invests in labor compliance also strengthens its culture, creating an environment of trust between employees and managers." This directly reflects in increased engagement and the reduction of turnover and absenteeism rates.

In a scenario of increasing litigation in labor relations in Brazil, labor compliance presents itself as an essential tool to ensure not only legal conformity but also a healthy and productive work environment. The work of a specialized lawyer, as Juliana Stacechen explains, is essential to guide companies along this path of prevention and legal security.

Work in Finland presents opportunities for Brazilian talents and startup founders

In an effort to attract experts and founders of innovative startups to Finland, Work in Finland, official Finnish talent attraction organization, will hold next Wednesday, January 22, 2025,onefree online webinarto present career opportunities and startups available in the happiest country in the world and how to establish yourself in one of the most promising ecosystems for startups.

In addition to the capital of the country, Helsinki, representatives from other Finnish cities such as Tampere, Oulu, Espoo, and Vantaa will be present at the event. Salla Hirvonen, Talent Specialist at the recruitment startup BusinessOulu, comments on which sectors are most prominent in the search for international talent. High-tech areas such as IT, software development, and telecommunications are the most prominent. Currently, besides Nokia, other companies in the financial sector are recruiting international talent. The specialist also stated that Oulu was awarded the title of European Capital of Culture for 2026 and, despite being compact, has an internationalized ecosystem with around 13,000 foreign residents.

During the event, specialists from AlphaSense, one of the most interesting AI startups in the country, will talk about what it's like to work at a Finnish technology company and how to build a career in the country. The Finnish technology industry needs 130,000 new specialists by 2030. Therefore, the interest of Brazilian talent in Finland, combined with the expanding technology sector, presents an excellent opportunity for collaboration.

"We want to promote diversity in Finnish companies because we believe that multicultural teams are more innovative, productive, and can open international connections. The Work in Finland events are an excellent opportunity for Brazilian talents to find interesting careers in Finnish companies, especially in the ICT and technology sectors," emphasizes Laura Lindman, senior director of Work in Finland.

Katri Raevuori, event manager at Work in Finland, also recalls that the team from the official Finnish talent attraction organization, from Oulu and other cities in the country, will be at Web Summit Rio, from April 24 to 27, and are eager to meet Brazilian talent.

Opportunities in Finland

Finland is a small country in northern Europe, with 5.677 million inhabitants, and is looking for professionals to serve the various sectors that are growing, such as Information and Communication Technology, digitalization, clean technologies, electronic games, engineering, health, bioeconomy, renewable energy, quantum computing, telecommunications and others.

Work Culture

The happiest country in the world is a benchmark in work-life balance. In the country, most people work between 7 and 8 hours a day and still have time to spend with family and pursue their own hobbies. The work culture is characterized by a horizontal, humane, and participative hierarchy, with a strong focus on gender equality.

Salaries

The levels and structures of remuneration vary according to the sector and the role, but Finnish legislation and collective agreements establish the standard. Bonuses for workers are also common in Finland. The average annual salary of, for example, a Software Development Engineer can be €51,622, and that of a Senior Software Development Engineer is €63,618. Beyond the salary, there are several other benefits for workers.

Career mentor gives tips on the podcast 'Communication is Everything' and talks about the importance of press relations

The podcast "Communication is Everything," with Vera Lucia Rodrigues, hosted career mentor, consultant, and author Gabriel Ferraz last Thursday (16th) at 7 p.m., who explored how press office services enhanced the impact of his message. During the conversation, Gabriel shared his journey and explained how a deep understanding of what news is, combined with the right choice of communication channels, can turn ideas into significant results.

The consultant emphasized that press relations are not just about appearing, but about understanding what is relevant and how it can be presented to the right audience. "Through a structured approach to press advisory, I was able to expand my message of self-development and progress, taking my articles, lectures, and projects to over 20 states, also aligning all of this with my experience in areas such as Enneagram and Positive Psychology, which brought tangible results in the press and society," said Gabriel Ferraz.

The episode, which is part of a project by the journalist and director of Vervi Assessoria, 'Communication is Everything', features executives who share their stories and life experiences and how press relations can boost their image.

“Each guest I bring to the podcast is very special, as they share knowledge and experiences that prove how the work of a good press office can bring extraordinary results. Gabriel Ferraz is an example of self-development and innovation in the digital environment and who used the resources of the press office to transform his life story and work into a powerful message, impacting people and building real connections. I invite everyone to watch this enriching episode”, highlighted Vera Lucia Rodrigues.

The full episode of the podcast “Communication is Everything” with Vera Lucia Rodrigues is available on the YouTube channel @VeraRodrigues and on the streaming platforms, Spotify and Deezer, Communication is Everything.

The podcast is aimed at the press office area and welcomes executives from various sectors and communication and marketing experts, every Thursday at 7 pm.

It's from Brazil! App for dating between couples and open-minded singles grows 43% and expands to the USA

The applicationYsos, specialized in connecting single people or those in non-conventional relationships interested in fulfilling fantasies, closed 2024 with significant growth. The number of registrations increased by 10.5%, while revenue jumped an impressive 43%. Furthermore, the company consolidated its international presence, with a focus on the North American market, where it completed its first year of operations.

According to Gustavo Ferreira, head of marketing at Ysos, “the growth reflects a younger audience that is open to exploring new forms of interaction, challenging stigmas about sexuality and relationships.”

Ysos's annual report revealed significant changes in the profile of its users. In terms of gender, the highlight is the growth of women on the platform, which increased from 14.19% in 2023 to 18.01% in 2024. The "he/she" couples still make up the majority, with 49%, remaining virtually unchanged compared to the previous year.

In the age group distribution, there was a noticeable rejuvenation in the audience. Users aged 18 to 24 increased from 10.6% to 13.78%, and those between 25 and 34 also grew from 20.50% to 21.84%. Despite a decline in the 35 to 44-year-old group, which still remains the majority (42.90% compared to 48.51% in 2023), age groups above 45 years also experienced moderate growth.

For Gustavo Ferreira, the age distribution of APP users is one of the most notable points of 2024. "A certain rejuvenation is noticeable in the audience who, regardless of sexual practice (since research has shown that younger people have less interest in sex than the previous generation), are more open to non-conventional interactions and relationships in a more fluid manner," he analyzed.

Regional Growth

Brazil remains the main market for Ysos, with a focus on regions that showed accelerated growth. Below are the main details by region and state:

  • North: Highlight for Acre (117.08%) and Pará (23.09%).
  • North East: Bahia (12.04%) and Maranhão (18.36%) led.
  • Midwest: Goiás presented 14.21% growth.
  • Southeast: São Paulo remains at the top, with 18.16%, followed by Rio de Janeiro (16.15%).
  • On the: Santa Catarina surprised, with 27.01%, followed by Rio Grande do Sul (18.17%).

The data shows that the app has consolidated its presence in practically all Brazilian states, even in smaller markets.

International Expansion and Technology Update

Gustavo also highlighted the importance of the app redesign, which brought significant improvements. With refact, our users now have a more effective technology tailored to the needs of each operating system, continuing to provide a reliable experience that is now even smoother for everyone.

The year 2024 also marked the global expansion of Ysos, with the United States market showing strong adoption of the platform. Although still a developing territory, the company already perceives trends similar to those seen in Brazil, with a diverse audience and growing interest in unconventional relationships.

For Gustavo, consistent growth, the consolidation of new markets, and an innovative approach allow Ysos to position itself as one of the most influential platforms in the non-conventional relationship segment. Our expectation for 2025 is to maintain the pace and further expand its global presence. We are working on the next release for new countries, he concludes.

Even with PIX inspection revoked, these 5 tips can save your company from the fine mesh

After a flood of misinformation about false PIX taxes and the historic drop in the use of the modality, the Federal Revenue revoked the normative instruction RFB nº 2219/2024 that established rules to monitor operations of this model and those made using a credit card.

However, the advancement and retreat of these requirements, combined with the large volume of doubts among the Brazilian population about fiscal health, raises an alert about the care that must be taken permanently in tax management.

Transparency and caution in controlling financial documentation are essential measures to avoid problems with the tax authorities, especially for small businesses, freelance professionals and law firms.

Although, for now, banks no longer need to report to the Federal Revenue data on financial transactions via PIX and credit card exceeding R$ 15,000 for companies and R$ 5,000 for individuals, this monitoring was already in place and will continue to be conducted in the case of TEDs, DOCs, and SACs. So, it is important that you keep the financial control of your company, save the issued invoices for all fees, and the tax documents received from all suppliers.

Financial organization is always a decisive factor for the success of a business. There are strategies that free entrepreneurs from the suffocation if the IRS asks for clarification about their operations and, mainly, from problems with the dreaded tax authorities.

  1. Keeping the issuance and receipt of invoices up to date

Issuance of invoices is a legal requirement for law firms and companies in any sector. Each service provided or received must be accompanied by a corresponding fiscal document to avoid questions from the Federal Revenue regarding amounts moved without proof.

Common mistakes made by lawyers, freelance professionals and small business owners include practices such as receiving fees or payments without issuing an invoice, declaring amounts lower than those actually received or not recording refunds correctly.

A simple administrative mistake can lead to tax assessments and hefty fines. Therefore, training employees to follow good accounting practices is essential. Other possibilities include the use of technologies that streamline processes and outsourcing of business financial management.

  1. Always separate personal and business accounts

Mixing individual (PF) and legal entity (PJ) bank accounts is a serious mistake that can result in problems with the Federal Revenue Service and harm the company's financial organization.

When personal and professional expenses are on the same bank statement, it is more complex to justify financial transactions. In addition to maintaining separate bank accounts, properly record all pro-labore withdrawals and avoid using company resources for personal expenses such as rent, personal purchases, and private trips.

  1. Beware of the tax regime

The wrong choice of tax regime can result in overpayment or underpayment of taxes. Law firms and companies can choose between

  • Simples Nacional (for revenues up to R$4.8 million/year, with reduced tax rate, but with some restrictions).
  • Presumed Profit (taxation on a fixed profit margin, ideal for medium-sized offices).
  • Real Profit (mandatory for high revenues. It calculates taxes on actual profit, which can be advantageous for companies with reduced margins).

A business's revenues change frequently and it is even healthy for them to expand, so review your tax regime annually to ensure that your company always pays taxes as efficiently and correctly as possible.

  1. Did you make a financial transaction? Register!

The lack of documentation on financial transactions is one of the main reasons companies fall into the tax audit net. The Tax Authority cross-references banking, fiscal, and accounting data to identify inconsistencies. Still, due to inexperience or lack of knowledge, entrepreneurs make large transactions without justification, do not issue receipts for received payments, or neglect service contracts.

There are also those who split a large payment into several smaller transactions to avoid Federal Revenue monitoring, use third-party accounts to move money, or make frequent deposits without a fiscal justification. All these stances can cause losses, sanctions, and damage to your business's reputation. It is always better to plan financial operations in a structured way and to store all documents that prove the origin and destination of the moved funds.

In addition, keep strict control of all receipts and payments, keeping invoices, contracts, deposit receipts and bank transfers.

  1. Pay attention to deadlines for tax obligations

Failure to meet deadlines for submitting declarations and paying taxes can result in fines, interest, and even legal sanctions. Many companies have their financial and tax health threatened by delays in paying the Simples Nacional, omission of mandatory declarations (DCTF, ECF, DIRF), or errors in filling out the company's Income Tax return. One solution is to create a fiscal calendar, rely on accounting or tax management specialists, and use automation tools to schedule payments and declarations, so you don't have to worry about forgetting.

If you take these precautions and keep everything in order with your tax control, your business will always have sustainable growth, without headaches with the Tax Authorities and free from administrative or even judicial sanctions. Take advantage of the beginning of the year to revisit all your strategies and diagnose the level of risk in your company's or law firm's finances.

Optimism and strategy: lessons from NRF'25 for Brazilian retail

The NRF '25, the world's largest retail trade show, concluded today in New York with an optimistic tone that permeated all the speeches, debates, and interactions of the event. In times of economic uncertainty, the global retail sector has shown that there are opportunities in both positive and challenging scenarios, depending on the strategic positioning adopted. This is a crucial moment to rethink the future of the sector.

One of the main points discussed at the fair was the centrality of the customer. Understanding consumers' needs and desires has never been more essential for retail success. People — customers and employees —, along with data, form the two main assets that will shape the future of Brazilian retail.

These assets are the foundation for any successful strategy. Valuing employees means investing in the development of their skills and creating an environment that encourages innovation and productivity.

On the other hand, having a deep understanding of customers allows for personalized service and the creation of experiences that resonate with their desires and needs. Intelligent data analysis is the link that connects these two assets, providing valuable insights for more accurate decision-making.

Another recurring theme was the increasing complexity of managing physical stores. It is evident that executives and entrepreneurs dedicate a large part of their time to solving operational issues. However, it is imperative to balance these demands with a greater focus on long-term strategies and alignment with the brands' purpose.

Furthermore, artificial intelligence (AI) emerges as an essential tool to alleviate these routine tasks. With automation, leaders gain space to focus on the decisions that truly drive success.

Geolocation was also a highlight at NRF'25. This technology is being explored more broadly, going beyond traditional customization. Here in Brazil, we already use geolocation to analyze revenue potential by category and SKU within the store's areas of influence.

Leading the future

We left NRF'25 with the certainty that Brazil holds a prominent position in terms of innovation and technology in retail. Our ability to adopt creative and efficient solutions puts us at the forefront of the global wave. This is the time to reinforce our focus on essential assets — people and data — and align our strategies with the trends that are reshaping the global market.

The NRF is always a space for reflection and learning, but this year left us with an even stronger feeling that we are on the right path. Retail is dynamic, and opportunities are ahead of us. It is up to us, industry leaders, to leverage these lessons to build a more innovative and resilient future for the Brazilian market.

[elfsight_cookie_consent id="1"]