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Qlik hosts webinar on key trends that will shape the AI economy

Qlik®, a global leader in data integration, data quality, analytics, and Artificial Intelligence (AI), will share its perspectives on the trends shaping the future of AI and data-driven businesses in 2025 during the webinar "After AI: Reinventing data, insights, and actions amidst noise," which will be held on January 15th at 3 PM. Based on your expertise and in-depth market analysis, Qlik identified three themes and twelve trends for the year. To attend the webinar, registerhere.

The themes and trends were developed by Qlik's Market Intelligence team, led by Dan Sommer, with contributions from the company's Executive Advisory Board (EAB) – a select group of industry leaders who are among Qlik's clients. Dan will discuss the topics at the event together with Qlik's AI Council, which brings together a distinct group of advisors with renowned industry experts who help the company accelerate the responsible development of AI-driven products.

In addition to the main trends that companies need to know to succeed in the post-AI landscape and generate positive market results, executives will explore the challenges and opportunities businesses face in a rapidly evolving AI environment, further emphasizing the impact of these topics and revealing their broader implications. They will also address related developments, such as the open standard authentication architecture across the Internet and the urgent need for global governance that adapts to the diverse demands of different regions, among other important topics.

Attendees will gain valuable insights and actionable strategies to navigate these transformative forces and reshape their industries with intuitive analytics that reveal hidden patterns, empowering companies to address complex challenges and seize new opportunities.

Qlik Webinar – After AI: Reinventing Data, Insights, and Actions Amidst Noise

Data: 15 de janeiro (quarta-feira)

Time: 3pm

Registrations atlink

Airlocker combines innovation and sustainability with recyclable smart lockers

Environmental concern has been a constant topic in society. And, in the corporate environment, it wouldn't be different. A study conducted by the American Chamber of Commerce for Brazil (Amcham Brazil) in 2024 indicates that 71% of companies have implemented or started some sustainable initiative, with 78% of them having an agenda of environmental and social commitments. Among the brands that embed sustainability in their DNA is Airlocker, the first Brazilian franchise of fully self-managed smart lockers, which has just fulfilled its sustainability mission through the launch of a recyclable smart locker.

Unlike its original version, which is made of steel, the solution is produced using 100% recycled plastic polymer, which undergoes a reindustrialization process and reduces waste disposal by up to 35%, as well as pollutant emissions.Overall, the product development took about two years, and the sales forecast for 2025 is 100 units.

"Today we are moving towards an increasingly digital and sustainable world. There is no way to go back in this scenario that is already a reality. Therefore, we believe this is the best time for this launch. Our expectations for the acceptance of the initiative are the best, and this is just the first investment that reflects our vision for the future of the business: delivering more and more responsible innovations that contribute not only to optimizing consumer experiences but also to encouraging a conscious society," says Elton Matos, co-founder and CEO of Airlocker.

Games Global expands presence in Latin America with entry into Brazil and Peru

Games Global, one of the world’s leading iGaming content providers, has announced its entry into the regulated markets of Brazil and Peru, demonstrating its focus on expanding its presence in Latin America by 2025.

The company arrives in the region with the commitment to incorporate Latin American culture into its iGaming innovations. Your office, located in São Paulo, is fully dedicated to the growing local market and has a team of qualified specialists to provide customer service and support.

Additionally, two satellite offices, located in Argentina and Chile, will provide seamless integration and deepen Games Global's understanding of the main characteristics and needs of the Latin American audience.

With a structure of more than 40 studios, including its own and partners, two of which are based in South America, Games Global will promote immersive solutions on demand, adapted according to the context, trends and local identity.

The launch of the operation on January 1, 2025, is planned to coincide with the new regulatory frameworks for the iGaming sector in Peru and Brazil, signaling Games Global’s commitment to complying with local regulations and adopting strict compliance procedures in the sector.

The local team at Games Global will also prioritize promoting partnerships with the main operators in the region to maximize their contribution to elevating the quality of the entire sector's ecosystem.

Walter Bugno, CEO of Games Global, said: “We are excited to be part of the growing markets in Brazil and Peru, two countries thriving in terms of culture and diversity.”

“Games Global will make its leading expertise available to our new partners and looks forward to making a significant contribution to building a new level of expertise for the regional iGaming industry.”

AQPago projects 1000% growth in 2025 with a focus on B2B solutions and digital transformation of companies

AQPago Corp, the financial solutions division of the AQBank holding, is in full strategic expansion, with a forecasted growth of 1000% in its transaction volume by 2025. A fintech, specialized in payment methods, restructures and expands its portfolio of products and services with the aim of simplifying the transformation journey of companies from various sectors into fintechs. When migrating from a B2C to a B2B model, AQPago aims to establish itself as a strategic partner for companies with large transaction volumes.

AQBank, a holding company known for offering low-cost financial solutions to individuals and businesses, expands its operations with AQPago Corp, now focused on White Label Payments and AQBank operating with Banking as a Service (BaaS). With this movement, the company aims to facilitate the digital transformation of businesses, allowing them to offer financial services to their customers with less bureaucracy and operational costs.

According toDenis Deli Alves, Vice President of Marketing and Sales at AQPago, the company positions itself as a strategic partner, offering 100% customizable and highly scalable solutions.Our biggest differentiator is the agility and customization capacity of our solutions, which allows our partners to reduce investments in infrastructure and operate efficiently and quickly.l”, explains Denis, who arrived at AQPago to restructure the Marketing, Sales and Customer Service departments and expand its operations in the B2B market.

The shift to the B2B model represents a significant transformation for AQPago and its partners. By focusing on companies with large transaction volumes, the fintech offers more robust and customizable solutions tailored to each client's needs, without requiring significant investments in infrastructure. Companies can operate with greater flexibility, quickly integrating digital financial solutions that serve a constantly evolving market.

The arrival of Robson Marques as Vice President of Business and Compliance and Elizabeth Pereira as Director of Products and Business Channels reinforces AQPago's growth strategy.Robson Marques, ex-Zoop and Cielo, bring their extensive experience in compliance and risk management, essential areas for expansion in a market that demands maximum security in products and financial transactions. Your experience will be crucial in ensuring that AQPago meets the growing demand for secure and scalable transactions in a highly complex regulatory environment.The Banking platform givesAQPayoffers the security, high availability and flexibility necessary for companies to transform into fintechs, reducing operational and technological costs”, says Robson.

In turn,Elizabeth Pereira, with experience at Cielo and Monetizze, will be responsible for expanding the offering of B2B solutions and White Label Payments. Your focus will be to enable companies from different sectors to quickly integrate digital financial solutions without the need for significant infrastructure investments.Our goal is to act at all stages of the customer journey, especially for marketplaces and companies looking to modernize their financial operations with a unified platform.”, highlights Elizabeth.

Currently, AQPago processes R$ 160 million per year solely through card machine operations, but the company's goal is to reach R$ 1.6 billion in transactions by the end of 2025, projecting a 1000% growth during this period. To achieve this goal, AQPago is betting on expanding its B2B customer base, especially focusing on companies with large transaction volumes. This growth is linked to the digital transformation of companies, allowing them to operate with their own brands and offer comprehensive financial solutions in a simple, efficient, and cost-effective manner.

AQPago's expansion strategy is even more robust with its integration into the AQBank ecosystem, which already includes established brands such as the AQBank +Benefits multi-benefit card, the AQMed telemedicine platform, the AQPass toll tag, and the AQContábil digital accounting. This solutions package strengthens AQPago, which offers its partners a comprehensive portfolio of products and services to transform their business into a fintech.

The company also strengthened its investments in technology and security, aiming to ensure regulatory compliance and protect customer data. AQPago is investing in cutting-edge technology to prevent fraud and handle high transaction volumes, especially with a focus on the high scalability of its financial platform.

AQPago establishes itself as a digital transformation partner for companies, leading the modernization of financial operations and creating simpler and more efficient solutions for large businesses in Brazil”, concludes Denis Delis Alves.

PagBank is ahead of the market and offers Pix via proximity on its terminals and on Google Wallet

THEBanking, a complete digital bank in financial services and payment methods, announced the launch of contactless Pix on its payment terminals equipped with NFC technology and for the Google Wallet, being one of the first acquirers to offer the functionality. The new feature, now available on the digital bank's machines, will make the payment experience more efficient and faster, reducing the average time of a Pix transaction from 36 seconds to just 6 seconds.

To use the new feature, the merchant simply needs to select the Pix payment option on the PagBank card machine. Next, the buyer enables payment by facial recognition or password, brings the smartphone close to the machine, checks the amount, and confirms the transaction. Everything quickly and conveniently in accordance with the rules of Google and the Central Bank. For purchases over R$ 200, the account password will also be required.

"Focusing on providing practical and efficient solutions for our clients' financial transactions, we anticipated the Central Bank's proposal by offering the market an innovative and competitive technology, making Pix a payment with less friction and more dynamism," comments Alexandre Magnani, CEO of PagBank. "A new feature increases sales agility and maintains security in accordance with the rules of the Google wallet and the Central Bank itself," complements Magnani.

The executive also emphasizes that contactless Pix benefits both individuals seeking a faster payment experience for bills and merchants who want to optimize the management of their receivables. "In the PagBank ecosystem, Pix via QR Code on machines was already a reality, offering additional benefits such as sales receipt and unified reconciliation for merchants and customers, as well as ensuring convenience and security. With the arrival of Pix NFC, this experience becomes even faster, strengthening the habit of quick and secure payments on the machines," concludes the CEO.

Both methods, both Pix NFC on PagBank machines and Pix QR Code, are free for the first month for PagBank merchants, with zero fees and instant receipt of the amount in your PagBank account.

The innovation, which represents a significant advancement in the digitization, centralization, and modernization of payment methods and consolidates PagBank as a disruptive and highly digitalized digital bank, reaches in this first phase a sample of PagBank account customers who have smartphones with NFC on the Android solution and on the Moderninha Pro 2 machines, available this month in the New Year clearance sale with an 83% discount. In the coming months, the technology will be extended to other clients and models of PagBank card machines.

One of the largest digital banks in the country by the number of clients, PagBank offers tools for in-person and online sales, a complete digital account for individuals and businesses, as well as features that contribute to financial management, such as Payroll. At PagBank, the credit card has a guaranteed limit, and investments become a limit for the card itself, enhancing customers' earnings*, in addition to generating up to 3% cashback on the bill, one of the highest in the market. At PagBank, those with active and inactive balances in the FGTS can request early withdrawal, and it is also possible to contract the INSS payroll loan for retirees and pensioners directly through the PagBank app. To learn more about PagBank products,Click here.

Runtalent expands its service portfolio and now offers complete technology solutions

With over 20 years of experience in the market, Runtalent, a Brazilian company and a reference in the technology sector, expanded its portfolio of solutions and services in 2024 and intends to continue this growth in 2025, aiming to further strengthen its strong position in the sector. The company has significantly expanded its service offerings, meeting the constant market demands for innovation and technological efficiency, with options ranging from custom software development to ongoing support, helping companies of various sizes and sectors optimize their operations and achieve their strategic goals.

According to Gilberto Reis, the company's COO, the idea is for the organization to continue resolving and addressing the new demands of people and companies. "One of our main missions is to meet and exceed our clients' expectations, providing them with solutions not only for their current pains but also for future ones they are not yet aware of," explains the executive.

From now on, in addition to Multiplatform Professional Services (professional allocation, agile squads, and team and project management), Runtalent also offers special solutions for the financial sector, as well as digital solutions focused on SAP, Microsoft, and Java, artificial intelligence technical support, infrastructure management, among others. "With this new service package, we are ready to meet the needs of companies seeking innovation, efficiency, and competitiveness in the market," adds the COO.

Originating from Essence IT, Runtalent carries in its DNA over 20 years of expertise in the SAP ecosystem. The accumulated experience includes more than 100 SAP projects carried out, a solutions factory, and multiplatform projects, serving major clients in sectors such as pharmaceuticals, retail, and insurance, among others. Now, Runtalent intends to expand its operations into new segments, always focusing on delivering qualified results and boosting clients' businesses.

“At Runtalent, we help companies enhance their projects and businesses through integrated technological solutions, combining agile methods, innovation and highly qualified professionals. Our focus is always on delivering strategic and operational results that add real value, driving the digital evolution of our clients”, highlights Reis.

Throughout its journey, Runtalent has connected over 8,000 highly qualified professionals to more than 200 companies, including major national and multinational brands. This commitment to excellence and its people-centered culture resulted in a standout rating on Glassdoor, with a score of 4.8.

Yuno Launches Complete Platform to Simplify Merchant Payment Flow

Yuno, a global payment orchestration company, has just announced the launch of Payout, a solution created to simplify global payment flows for merchants. With this feature, the platform begins to manage both received transactions (pay-ins) and sent transactions (pay-outs), allowing all financial processes to be administered and optimized through an integrated and user-friendly interface.

Payout enables companies to quickly transfer funds to suppliers and customers worldwide, connecting to a wide network of payment providers through a single API integration. "Now, merchants in Brazil, for example, can pay suppliers from other countries quickly, while European companies can do the same with clients in Latin America and Asia," explains Walter Campos, general manager of Yuno here in the country. This integration eliminates the need to internally manage multiple transaction methods, reducing costs, increasing efficiency, freeing up resources for technical teams, and allowing retailers to quickly expand their presence in different regions.

The Payout is a paradigm shift for companies operating in multiple locations. "We always seek to simplify payment processes, and this new feature broadens our perspective by addressing global transfers. We are excited about the positive impact this will have on merchants worldwide," explains Walter Campos.

James Stack, Yuno's head of products, states that one of the biggest challenges for merchants has been the complexity of integrating multiple payment providers, each with different requirements and API standards. "With Payout, we solve this by offering a single integration that handles all onboarding and offboarding needs. This solution provides operational efficiency, cost savings, and above all, simplicity, allowing retailers to focus on growing their businesses instead of managing transactions," the executive points out.

The Payout is aligned with Yuno's vision of becoming the leading global payment orchestration platform, offering unified solutions for all financial needs. At the beginning of 2024, the company secured $25 million in a Series A funding round led by DST Global Partners, Andreessen Horowitz, Tiger Global, Kaszek Ventures, and Monashees to expand its operations in Europe, Asia, the Middle East, and Africa.

Data Science Specialist: Position is Trending in the Logistics Sector

According to the Future of Work 2025 report, carried out by the World Economic Forum, Brazilian employers predict that the roles of specialist in Digital Transformation, AI andMachine Learningand inSupply Chainand Logistics will grow until 2030.

This growth fills a significant gap in the Logistics and Supply Chain Management sector: the lack of technical skills to implement data science, which has emerged as an essential competency for the industry.

With the increasing dependence on decisions based on accurate information to improve efficiency, it becomes essential to invest in internal talent or hire collaborators who know how to apply good practices in data integration, processing, and analysis.

To create a panorama, data science enables a detailed view of information throughout all stages of the supply chain. Advanced analytical tools bring numerous benefits: through in-depth data analysis, companies can forecast demand, manage inventories, optimize routes, and reduce waste.  

With these analyses, it is also possible to identify patterns, anomalies, and hidden trends, allowing companies to anticipate potential problems and bottlenecks. These practices not only increase operational efficiency but also ensure quick and accurate responses to market changes and internal needs.  

Operations research, in turn, uses advanced methods to solve complex problems and optimize resource allocation. Your applications range from choosing the ideal location for distribution centers to defining routes and optimal inventory levels. This approach also allows simulating scenarios and assessing the impact of different decisions before implementing them, minimizing risks and maximizing efficiency.  

In an increasingly competitive environment, mastering these operations research techniques is a strategic advantage for industry professionals. At the same time, the ability to transform large volumes of data into actionable insights makes data science an essential skill for modern logistics and supply chain management.  

Challenges along the way 

Although promising, these areas are still relatively new, and one of the biggest challenges is the integration between old IT systems and new data science technologies. Many companies still use tools incompatible with modern solutions, making it difficult to collect and integrate relevant data.  

Another challenge is the cultural resistance to data-driven decisions. Many professionals still prefer to rely on experience and intuition, which requires an organizational change led by leadership, promoting the valuing of evidence-based decisions. Furthermore, the quality and integrity of the data are essential to prevent analysis errors that could lead to incorrect decisions, requiring robust governance processes to ensure accurate, complete, and consistent information.  

Despite these difficulties, obstacles can be overcome with investments in technology, training, and cultural change. Data science and operations research are essential skills for modern logistics, not only to optimize efficiency but also to provide a strategic view of the business. Companies that explore the full potential of these disciplines will be better positioned at the forefront of innovation and more prepared to compete in the market.

Partnership between Grupo Bradesco Seguros and the profile @lifeonadraw reinforces, in a playful way, the concept of Planning and the Culture of Protection and Care

Given the relevance of the digital environment, Grupo Bradesco Seguros has expanded its presence on social media, in line with its strategy of getting even closer to its policyholders and business partners, who are increasingly connected.

In partnership with the @lifeonadraw profile, the Group started a collaborative content creation campaign in 2024 to promote reflection on the need for protection and planning, bringing light themes and positive messages through illustrations.

In 2024, these publications alone reached around 500 thousand reactions/engagements, demonstrating that the message has been well received by social media users.

“We work to expand our presence on the main channels, participating in conversations and understanding our audience more and more. We walk hand in hand with innovations in the digital environment, but without neglecting the humanization of relationships, which is why we focus on positive messages that reinforce our purpose of protection and care, always being close to people,” says Alexandre Nogueira, Marketing Director of Grupo Bradesco Seguros.

What are the prospects for the supermarket retail market in 2025?

With the start of a new year, expectations also grow for several sectors of the economy, especially the supermarket sector, which is faced with the analysis of market scenarios in all spheres involving the segment.

From a legal perspective, it is no different, since supermarket retail will need to navigate a changing environment, in which technological innovation and sustainability will be at the heart of regulatory changes, strategic preparation will be key to transforming challenges into opportunities.

Tax Reform

The Tax Reform is scheduled to advance in 2025, with the goal of unifying taxes such as ICMS, ISS, PIS, and Cofins into a dual VAT model. For the lawyer and retail specialist, Daniela Correa, the supermarket sector will have a positive impact: "the simplification of ancillary obligations will bring greater tax predictability. However, the transition to this new regime presents an operational challenge," explains Daniela.

Supermarket retail companies will need to invest in tax management systems to ensure compliance with ancillary obligations and avoid tax liabilities. "This will lead to greater financial predictability, making long-term planning easier," says the lawyer.

Taxation of digital transactions

The increase in online sales in the supermarket sector requires greater attention regarding the taxation of digital transactions. According to Daniela, the ICMS oversight on e-commerce should be intensified, and with the reform and consequent unification of taxes – "for this, tax planning will be essential," she emphasizes.

Daniela further explains that, to face this challenge, supermarkets will need to adopt digital compliance and automated invoice issuing systems, including to deal with the harmonization of state legislation that can generate greater tax complexity.

Taxation on consumption and social impact

Regarding consumption taxes, Daniela warns: “the possible exemption from taxes on essential products can stimulate consumption and alleviate the tax burden on basic food items. For retailers, the impact consists of being prepared for rapid adjustments in pricing and margin control. Tax relief can improve consumers’ perception of the sector, therefore, it is an opportunity for supermarket retailers”.

Sustainability and Green Taxation

"This is a real and global trend," warns Daniela. "With the increasing pressure for sustainable business practices, green taxation is gaining ground. New tax incentives may benefit companies that adopt ESG (environmental, social, and governance) practices, such as waste reduction and the use of renewable energy," the specialist adds.

“Supermarket retailers can be encouraged to invest in eco-efficient infrastructure and with global pressure for sustainable measures, there will be the possibility of sanctions or additional taxation for companies that do not meet sustainability targets,” he concludes.

Labor relations and new forms of hiring

With the advancement of technologies and changes in consumer behavior, such as the growth of delivery, for example, the sector will need to adapt its labor relations.

More flexible hiring, especially on platformsgig economy, can be regulated and there will be a need to review contracts and adapt to emerging labor standards.

Data Protection Regulations (LGPD)

With the intensification of oversight by the ANPD (National Data Protection Authority), compliance with the LGPD (General Data Protection Law) will become even more critical. Supermarkets that operate with large volumes of sensitive data will need to strengthen their privacy policies.

“If this does not happen, the impact will be huge, considering the financial and reputational penalties for companies that do not comply with the legislation,” warns Daniela.

Consumer relations

Daniela also explains that the supermarket sector is undergoing significant transformations in consumer relations, driven by technology and changes in consumer habits. One of the main innovations is the adoption of e-commerce, allowing online shopping and home delivery or in-store pickup. This not only broadens accessibility but also offers personalized experiences through recommendations based on previous purchases.

Another innovation is the implementation of mobile technologies, such as loyalty apps and digital payments, which facilitate interaction between consumers and supermarkets. Furthermore, artificial intelligence is used to optimize inventories, forecast demand, and improve the supply chain. "These innovations improve efficiency, reduce costs, and provide a more convenient and personalized shopping experience," explains Daniela.

Sustainability is also a growing focus, with supermarkets adopting eco-friendly practices such as biodegradable packaging, waste reduction, and promotion of organic products. Furthermore, nutritional transparency and the availability of healthy options are increasingly valued. These innovations not only improve the consumer experience but also contribute to a more sustainable future.

Therefore, investment in compliance in consumer relations, combined with systems that guarantee security in consumer relations, is essential for the segment to keep up with the behavioral changes of its consumer audience and the trends in the sector.

For 2025, Daniela projects some expectations: “the year 2025 promises significant transformations for supermarket retail, with a direct impact on the legal areas involved. Companies in the sector must invest in compliance, technology and adaptation to new regulatory models to remain competitive in a constantly evolving market”, she concludes.

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