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Post-holiday returns of low-value items threaten retail margins, Qlik research finds

Qlik®, a global company in data integration, data quality, analytics, and artificial intelligence (AI), revealed the results of a survey on American consumers' post-party item return habits. The results highlight a major challenge for retailers: managing an increase in returns that overloads supply chains and affects profitability, while balancing consumer expectations for fast and cost-free processes.

The research reveals key consumer behaviors during the peak return season, highlighting both operational challenges and opportunities for retailers to adopt smarter strategies. Returns of low-value items are particularly predominant, intensifying the burden on retail operations.

Main Research Results:

  • Consumers act quickly: 68% of shoppers return gifts within a week of the holidays.
  • In-store returns increase loyalty: 91% of consumers are more likely to shop online with retailers that offer in-store return options, such as Amazon's Whole Foods Returns Center.
  • Impulse purchases add value: 20% of consumers typically spend more than the value of the item they return, creating opportunities for brick-and-mortar stores that have e-commerce return locations.
  • Shipping fees create frustration: 54% of consumers cite shipping or restocking fees as their biggest frustration with returns, a number that rises to 60% among high-income consumers who earn more than $100,000 per year.
  • Low value returns predominate: 55% of shoppers return items worth less than $100, while 87% report returning merchandise worth $500 or less.

The January return season highlights the urgent need for retailers to rethink their strategies. Dealing with post-party returns involves significant logistical and financial challenges, but also presents an opportunity to strengthen customer loyalty and discover new revenue streams.

"The holiday season exposes a growing problem for retailers: a large number of returns of low-value items that significantly impact after the celebrations," says Mike Capone, CEO of Qlik. With the right insights, retailers can turn January returns, which are an expensive headache, into an opportunity to protect margins and manage resources more effectively. The wave of returns won't stop, but smarter, data-driven strategies can help retailers reverse this situation.

The research results point to the potential of predictive analytics and data-driven tools to help retailers optimize their operations. Insights ranging from identifying peak return periods to the most frequently returned items can empower companies to manage resources more efficiently and plan for the January sales period.

Research Methodology:

Qlik's research was conducted by Wakefield Research with 1,000 adults in the United States aged 18 and older, between December 11 and 15, 2024, using an email invitation and an online survey. The data were weighted to ensure accuracy.

High demand for IT professionals and shortage of qualified talent

The growing digital transformation across various sectors of the economy has increasingly expanded the demand for technology specialist professionals. A reflection of this is in the survey by the Association of Information Technology and Communication Companies and Digital Technologies (BRASSCOM), which shows that the macrosector of Information Technology and Communication (ICT) in Brazil currently employs more than 2 million professionals.

Runtalent's data, a digital services company that is a reference in IT professional placement, reveals that hiring during the past year was significant not only for organizations in the technology sector. Although the area still concentrates the largest number of job opportunities (37%), sectors such as retail (22%), services (11%), and finance (9%) already represent a significant share of the jobs.

Runtalent's COO, Gilberto Reis, explains that the movement is a reflection of the need for digitalization for companies' survival. "The implementation of technology in organizational processes is increasingly less a matter of choice for businesses, regardless of size or area of activity. As companies need to stay in tune with the main solutions in the technology field, the logical consequence of this is the rising demand for professionals capable of meeting these demands," he explains.

The digitalization trend is also expanding to traditional industries, such as healthcare, with the implementation of digital medical records, teleconsultations, wearables and even more accurate diagnoses; in education, with Distance Learning (EAD), virtual teaching platforms and digital laboratories; and in agribusiness, with the use of drones, IoT (Internet of Things) sensors and data analysis to optimize planting, irrigation and harvesting.

This demand has intensified the search for professionals with skills in emerging areas such as artificial intelligence, cybersecurity, and data science. "Professionals with hybrid skills, combining technological knowledge with strategic business vision, have been highly valued," highlights Gilberto.

The executive also emphasizes that technology is a transformative factor for sectors seeking to optimize processes and enhance the customer experience, for example. He also notes that this scenario represents a window of opportunity for those who wish to enter or reinvent themselves in the job market. "With competitive salaries and remote work opportunities, careers in technology remain attractive. However, it is essential to stay updated and invest in qualifications to keep up with digital transformations," she adds.

“The coming years will be marked by great opportunities for those who want to enter the technology sector. The demand for qualified professionals continues to grow and companies are looking for talent willing to innovate and keep up with digital transformations. This is the ideal time to invest in training and build a solid career in the area,” concludes the executive.

Simpress has more than 80 job openings throughout Brazil

SimpressIT equipment outsourcing company has over 80 job openings across Brazil. There are opportunities in areas such as sales, operations, marketing, and human resources. The state with the highest demand for hires by Simpress is São Paulo, with 26 vacancies, 21 of which are in the capital.There are vacancies for people with disabilities.

Currently, the company meets the outsourcing demands of more than 4,200 out of 5,570 Brazilian municipalities, representing 75% of the cities and 95% of the country's population. Simpress currently has over 600,000 devices, such as notebooks, smartphones, and printers, allocated in companies like Pague Menos, Cobasi, Yamaha, Hermes Pardini, Dasa, and Harald. In many cases, Simpress equipment is used in critical operations, where a device being offline can impact sales, patient care, or business continuity.

To apply, interested parties should clickin this linkand search for available vacancies. It is possible to select opportunities by state, city, and area of expertise. Among the benefits offered by Simpress are health and dental plans; partnerships with gyms (also for dependents); birthday day off; profit sharing; remuneration for referring professionals; an online store with new and used equipment (such as cell phones, laptops, and tablets) available for purchase at a discount through payroll; an interactive platform with courses; discounts at educational institutions; and meal or food vouchers.

"We invite everyone who wants to start the year 2025 with new work to explore the opportunities at Simpress. The company aims to be an inspiring agent of great changes and deliveries with excellence, and is driven by pride in working for a market-leading company. Simpress also values plurality, diversity, and respect for all, in addition to encouraging the exchange of experiences for a better world," says Daniela Santos, Human Resources Director at Simpress.

Transformative technologies: what to expect by 2025

The technological innovations expected for 2025 promise to profoundly transform various sectors, bringing greater efficiency, connectivity, and new business models. The advancement of technologies such as artificial intelligence (AI),machine learning, 5G andblockchainis remodeling markets and creating opportunities in areas such as health, logistics, and finance.  

"The impact of these technologies will be felt across all spheres of the economy. In healthcare, for example, artificial intelligence will be capable of providing personalized diagnoses and treatments with greater accuracy. In industrial production, advanced automation and predictive maintenance will optimize processes, reducing costs and increasing operational efficiency," says Vagner da Silva, coordinator of the Technology courses at Cruzeiro do Sul Virtual.  

Connectivity will continue to be enhanced by 5G technology, which, due to its maturity, will bring significantly higher internet speeds and greater connection stability. These features will enable advances in areas such as autonomous vehicles and telemedicine, facilitating remote medical consultations with exceptional video quality. Furthermore, the Internet of Things (IoT) promises an evolution in real-time data collection and analysis, with applications ranging from precision agriculture to intelligent inventory management in logistics.  

THEblockchainIt also emerges as a pillar of innovation, offering security and transparency in financial transactions and supply chains.A notable example is Drex, a Brazilian digital currency regulated by the Central Bank, which will use blockchain to represent assets such as real estate and vehicles quickly, securely and efficiently.", highlights Silva."

In the job market, automation and AI are driving an inevitable transformation. Although some traditional roles are being replaced, new professions are emerging at a rapid pace. Cybersecurity, data analysis, and software development are expanding fields, while creative and interpersonal skills are becoming increasingly valuable. According to the coordinator, machines can perform repetitive tasks efficiently, but critical thinking, creativity, and empathy are irreplaceable human skills that will be differentiators in the future market.  

The integration of these technologies into organizations presents challenges, such as resistance to change and the need for training. According to the specialist, overcoming these barriers requires a human-centered approach.Companies must invest in continuous training and create a culture of innovation that allows employees to feel part of the transformation process.", explain."  

By 2025, the landscape is one of a technological revolution that redefines both economic opportunities and human interactions. Companies and professionals who adapt quickly will have a significant advantage in this new digital landscape.  

The year of Pix: payment model processed 42 billion transactions and consolidated its leadership in Brazil with innovations and advances in security

The Instant Payment System (SPI) has solidified its absolute leadership in Brazil in 2024, redefining the way Brazilians conduct financial transactions. To give an idea, according to data from the Central Bank, 76.4% of the population adopted Pix as the main payment method, surpassing debit cards (69.1%) and leaving physical cash in third place (68.9%). With impressive numbers, the payment method processed around 42 billion transactions in the year, moving more than R$ 17.2 trillion.

This historical performance reflects not only the massive adoption by Brazilians but also Pix's ability to keep up with the country's main demands. Proof of this was the new record set on November 29th, when the payment method reached 239.9 million transactions in just 24 hours, driven by the payment of the first installment of the thirteenth salary.

In this context, the year 2024 was also marked by innovations in the instant payment ecosystem, with a focus on facial recognition, which brought even more security and convenience to the system. In addition to enabling quick payments, technology has revolutionized the onboarding process for new clients, allowing users to verify their identities quickly and efficiently. When capturing the face image, the system validates the information in seconds, eliminating the need for traditional and time-consuming methods, thereby increasing inclusion and confidence in the use of Pix.

For Ariel Salles, Vice President of Technology at Avivatec, a company renowned for technology solutions for business and the financial market, the implementation of facial biometrics is a milestone in the security of instant payments. "This method provides authentication that makes attempts at fraud, such as the use of stolen or forged passwords, more difficult. Its application in instant payments ensures that only the legitimate user can authorize the transaction, making the process safer and more efficient. This is essential as the volume of digital transactions grows, as it strengthens consumer trust and helps maintain the integrity of financial systems," he comments.

In addition to these innovations, other cybersecurity measures were essential to protect digital transactions. Multifactor authentication (MFA) has been widely adopted, reducing the risk of fraud by up to 99.9% and ensuring data protection during transmission and storage. In addition, continuous real-time transaction monitoring was also crucial, allowing for the quick identification and neutralization of threats.

Regulation and Pix by proximity

Another important milestone for the instant payment system in Brazil was the regulation and approval of Pix by approximation, which is already in the testing phase and will be available for use by all users from February 5, 2025.

With NFC (near field communication) technology, contactless Pix will enable quick and secure transactions simply by bringing devices like smartphones or cards close together, without the need for a password. Ideal for low-value payments, this new modality will bring more speed and convenience, further increasing the adoption of the tool as the main payment method in the country.

“NFC technology allows devices to communicate quickly and efficiently when brought close to each other, without the need for physical contact. This makes the payment process much faster, especially in everyday situations, such as shopping in stores or on public transport. The absence of a password or PIN also makes transactions more convenient and faster, meeting the growing demand for simple and efficient solutions in the payments market,” he concludes.

With these security measures and new technologies, 2024 has established itself as a year of transformation for instant payments in Brazil. Pix remains the main payment tool, providing Brazilians with more speed, security, and convenience in their daily lives.

LWSA opens applications for Internship Program focused on technology and business

LWSA, a digital solutions ecosystem for companies, announces the opening of registrations for its 7th Internship Program, an initiative aimed at attracting young talent in the fields of technology and business. Registration is open from January 6 to 20on the company page

With nationwide coverage, the program offers in-person, hybrid, and remote vacancies, providing flexibility for participants. The duration is 12 months, with the possibility of extension for another year for students who are still enrolled in undergraduate studies.

Intended for undergraduate students (bachelor's or technologist) in the fields of technology and business, the program is aimed at those between the 2nd and penultimate semester. The selection process includes online applications, tests, group dynamics, and interviews with HR professionals and managers. The selected candidates will undergo a comprehensive training and development program.

Among the benefits offered are a stipend, medical and dental insurance, transportation voucher, meal voucher, and life insurance. Furthermore, interns will have the opportunity to experience the daily life of a dynamic and innovative corporate environment, with a focus on practical learning and professional development.

Our Internship Program is an important step for young people who wish to enter the job market. We aim to attract talented individuals committed to learning and professional development, offering a transparent selection process focused on each candidate's potential," emphasizes Nathalia Tupinambá, Director of People, Culture, and ESG at LWSA.

ESPM launches professional doctorates in consumer behavior and creative economy

Aiming for flexibility for market professionals, ESPM, a reference school and authority in Marketing and Innovation focused on business, is launching two recently approved doctoral programs this year by the Coordination for the Improvement of Higher Education Personnel (CAPES) of the Ministry of Education. The classes take place biweekly, on Fridays and Saturdays, allowing for better adaptation to students' routines.

ESPM continuously invests in courses that offer an experience aligned with market demands and professionals' routines. "These courses represent a strategic advantage, enhancing professionals' ability to lead change and add value to the market in an innovative and well-founded way," says Denilde Holzhacker, academic director of ESPM. Our model was designed so that the professional can adapt their studies to their daily life, making academic development feasible and aligned with their reality.

The ESPM Professional Doctorate in Consumer Behavior, starting on February 12, 2025, will be held biweekly on Fridays and Saturdays at the ESPM Tech campus in São Paulo, lasting six semesters. Registrations are open until January 21, 2025. This program offers two research lines. "Person, Society, and Consumption" focused on investigating the consumption practices of individuals, groups, and organizations, understanding how they choose, buy, use, and dispose of products, services, ideas, and experiences. And Consumption, Intelligence, and Strategy that focus on the study of obtaining and applying information about consumer behavior, addressing how people build their role as consumers and their relationships with brands, generating insights into decision-making processes and purchasing and disposal experiences.

In Rio de Janeiro, the Professional Doctorate in Creative Economy, Strategy, and Innovation at ESPM will be offered at the ESPM Glória Villa-Aymoré campus, with classes on Saturdays and a duration of eight semesters, starting on March 15, 2025. The registrations close on February 3, 2025. This course also includes two research lines: Strategic Management of Sectors, Businesses, and Creative Territories, which explores how knowledge, innovation, and entrepreneurship interact to create value and generate competitive advantages in creative ventures, and Design and Innovation of Creative Processes and Products, which investigates design both as an independent creative industry driving the economy and in its relationship with other creative and cultural sectors. It involves the development of projects, methodologies, empirical research, and reflections in the field of design and innovation, focusing on creative processes and products.

Service

Professional Doctorate in Consumer Behavior

Start: February 12, 2025

Deadline for applications: January 21, 2025

Onde: Campus ESPM Tech – Rua Joaquim Távora, 1240, Vila Mariana – São Paulo

Registration and information:here

Professional Doctorate of the Postgraduate Program in Creative Economy, Strategy and Innovation

Start: March 15, 2025

Deadline for applications: February 3, 2025

Onde: Campus ESPM Glória Villa-Aymoré – Ladeira da Glória, 26, Glória – Rio de Janeiro

Registration and information:here

Top 3 trends that will shape self-service in 2025

According to the reportGlobal Self Service Technology Market Size, Forecast 2023 2033, The self-service technology market is expected to register a Compound Annual Growth Rate (CAGR) of 8.3% until 2033, reaching a value of USD 80.4 billion. In this context, as self-service continues to rise, Guilherme Mauri, CEO of theMy Little Farm,Retail technology startup operating under the autonomous convenience store franchise model states that by 2025, significant advancements are expected for these technologies, highlighting customer loyalty programs such as shopping clubs and cashback, as well as a potential reduction in costs for solutions that utilize cameras, artificial intelligence, and sensors.

“In Brazil, although we do not yet have the most advanced technologies on the market, we have very efficient solutions with low friction for the consumer. The trend is for technologies used in markets such as China and the United States to become more accessible, allowing for wider adoption. The combination of efficiency and cost-benefit will continue to be a differentiator,” says Mauri.

According to the executive, three technologies will be trends in self-service in 2025, check it out:

Artificial Intelligence (AI)According to the Artificial Intelligence in Retail research, 53% of retailers still do not use AI in their operations, and of these, only 7% intend to continue without implementing the technology in their businesses. At the same time, the study revealed that 84% of players using AI reported increased efficiency, while 39% observed improved customer satisfaction and 36% recorded increased sales.

In this scenario, Mauri states that AI will be essential to optimize the self-service experience. "Technology will enable advances such as product identification by cameras, innovations for authentication, and even store openings. These features, integrated into the operating system, will bring greater security, efficiency, and agility for both operators and consumers," he explains.

According to the executive, integrated AI systems can understand customers' shopping habits, offer specific promotions, and even optimize the store layout to enhance the experience.

Customization softwareAccording to data released by Salesforce, 73% of customers expect more personalization as technology advances. In this way, Mauri emphasizes that personalized service will be more evident due to the analysis of data provided by software that captures and organizes information in a structured manner. "Through understanding the profile of consumers, their preferences, and purchasing habits, it will be possible to make more targeted suggestions and promotions for each customer," explains the CEO of Minha Quitandinha.

Frictionless purchasingFinally, Mauri states that improving the customer shopping experience through more user-friendly systems with fewer steps to complete in self-service systems is something that can change the game in the supermarket sector. "The models adopted by supermarkets in general are still self-service software based on Windows, which is a less user-friendly system compared to Android and iOS, which are more modern. In addition, the excessive number of steps the customer has to go through to complete the purchase, along with the various errors that appear during the process, discourage consumers from using these systems at the time of purchase," explains.

Recently, Minha Quitandinha launched QPay to the market, a custom-made software for the autonomous store sector aimed at improving the buying and selling journey for both the shopper and the retailer. According to Mauri, the system had to be created in a more user-friendly and frictionless way for the customer, since the customer does not have access to a store attendant to assist them. "This model has proven to be a great success compared to the previous model. The truth is that the self-service market is an irreversible path, and therefore, proximity and convenience models will be increasingly demanded by consumers. Companies that manage to integrate accessible, efficient, and secure technologies will have a significant competitive advantage. In Brazil, the ability to adapt global solutions to our economic and cultural context will be essential for success in this market," concludes Mauri.

Recovery survey shows that half of debts correspond to credit cards

A Recovery, a company of the Itaú Group and a national reference in the purchase and management of defaulted credits,Currently manages a total of R$ 134 billion in overdue credits. This amount includes debts from individuals (CPF) and companies (CNPJ). In the case of individuals, half of the outstanding issues are related to credit card usage. Among companies, this type of debt accounts for only 9% of the total.

“Nowadays, access to credit is easier thanks to the large number of banks and fintechs on the market – which boosts the economy, but can also lead many Brazilians to lose control of their finances. The sooner debts are settled, the better, as the person or company can negotiate better payment terms and even reduce the total amount of the debt. This is especially important in the case of credit cards, which have high interest rates,” he says.Camila Poltronieri Flaquer, head of Digital Collections at Recovery.

According to the survey, the average debt of Brazilians on credit cards is R$ 4,309.00. Regional distribution shows that 46% of indebted people in this category are in the Southeast, 30% in the Northeast, 11% in the South, 6% in the North, and 7% in the Midwest, highlighting a significant concentration in the most populous regions of the country.

The second main category of debts in the Recovery database includes banking products such as loans, payroll-deductible credit, and personal loans, representing 29% of individual debts and 34% of corporate debts. The rest involves debts related to retail, education, and telecommunications. "These data reflect debts sold to the market and currently under Recovery's management," explains Camila.

The second category of financial pending issues in the Recovery database, which accounts for 29% of individual debts and 34% of corporate debts, includes other types of banking products such as loans, payroll-deductible credit, personal loans, among others. The remaining corresponds to banking products linked to retail and sectors such as education and telecommunications services. "All these data are of debts that were sold to the market and are now under Recovery's management," concludes Camila.

To make it easier for people to renegotiate debts, including credit card debts, the tip is for consumers to take advantage of theMega Clean Name Recovery Fair. The campaign, which runs until 12/20, offers discounts of up to 99% and installments of up to 48 times, with a minimum value of R$50.00 per installment.

Those interested in renegotiating must check their CPF number on the websitehttps://renegocie.gruporecovery.com, via WhatsApp (11) 4765-8402 or through a free call at 0800 772 3331. The company's customer service team will also actively contact clients through phone support.

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.

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