Retail sector closes November with a 28% increase in omnichannel store revenue.

Brazilian retail results in November point to a more robust end of the year, according to a survey by Linx, a retail technology specialist. Omnichannel operations, which integrate physical and digital stores, recorded a 28% increase in revenue, a 21% growth in the number of orders, and an 11% higher average ticket compared to November 2024.

According to Cláudio Alves, Executive Director of Enterprise at Linx, the performance shows that the maturity of omnichannel strategies in Brazil is advancing steadily and does not depend exclusively on major promotional dates. “Retail is reaping the benefits of more integrated processes between physical and digital stores. Companies that have unified inventory, payment methods, and customer journeys with a focus on the consumer continue to perform above average, bringing confidence to December, a naturally strong period due to Christmas,” he states.

In digital retail, brands' own e-commerce sites grew 6% in revenue, with a 28% increase in the number of sales and an 11% increase in the number of items sold. In marketplaces, Linx's clients recorded a 23% increase in revenue and a 22% increase in order volume compared to November 2024.

According to Daniel Mendez, Executive Director of E-commerce at Linx, the movement reflects more active consumers and more efficient operations. "The sustainable growth of the proprietary channel shows that brands are evolving in the digital experience, with performance distributed throughout the month, signaling greater predictability and consolidation of e-commerce strategies," he comments.

With this set of positive indicators, the retail sector begins December with good expectations. The combination of a strengthened omnichannel approach, a more mature e-commerce platform, and expanding marketplaces should boost Christmas shopping, demonstrating a consumer willing to buy and a sector increasingly prepared to capture this demand.

Amazon Brazil celebrates milestone of over 1 million gifts shipped in 2025.

With the approach of the holiday season, Amazon Brazil announces a significant achievement: in 2025 alone, more than 1 million orders on Amazon.com.br were delivered using the company's gift wrapping service. This unique feature has already connected customers throughout the country, totaling more than 5 million gifts sent since 2022. The option to gift wrap items at the time of purchase and include messages is a convenience offered by Amazon in the country, making the delivery of products a personalized way to express affection and celebrate.

To celebrate this milestone, the company launched a new institutional film that reinforces its role in connecting people and bridging distances throughout the year, highlighting convenience and customer focus, as well as transforming each delivery into smiles and connections. In the film, Amazon details the entire journey of a gift, from the moment of purchase in the online store, through the care of its employees in handling orders, the efficiency of the company's logistics centers and the delivery route, to the emotion of its arrival at the door. To watch the full video, click here .

For customers who still wish to give gifts to loved ones during the holiday season, Amazon includes an estimated delivery date showing how many days before Christmas their order will arrive. For those who choose the gift wrapping option and want to write a personalized message, this feature can be found before finalizing the purchase, at the bottom of the checkout page, in the same section where the customer chooses the payment method and selects the delivery address. In this area, it is possible to:

  • Add gift wrapping to your order.
  • Write a personalized message to accompany the product.

This feature allows customers to personalize the gift-giving experience, making each delivery more special and meaningful, especially for those sending gifts to loved ones who live far away.

High-performance planning: how to transform strategies into continuous results.

Between the birth of an idea and the realization of a project, there is a stage that defines the future of any company: execution. It is not the most robust planning that determines success, but rather the ability to transform strategy into daily practice. Planning is important, but consistent execution is indispensable. It is this discipline that separates ordinary businesses from those that grow exponentially.

The first step in bringing any initiative to life is establishing strategic clarity. Teams perform at a high level only when they precisely understand the actions and priorities. For practices to become natural, the plan needs to be simple, objective, and measurable—something that allows each person to know exactly how to contribute, what to deliver, and how to measure progress. 

With clarity established, what truly sustains high performance is rhythm. Continuous action is not the result of intense moments, but of consistency. Organizations grow when they establish periodic alignments, short goal cycles, and frequent reviews to correct deviations before they become irreversible. Sustainable growth stems from the ability to succeed, fail, and adjust quickly. 

However, no strategy progresses without leadership prepared to drive the team forward. A high-performing leader doesn't concentrate tasks, but removes barriers, establishes priorities, and keeps the team focused; in other words, they guide, simplify, and unlock potential. This approach creates an environment where everyone knows what to do and feels secure enough to act. Focus is another crucial element; companies lose momentum when they accumulate initiatives that are never completed. It's necessary to choose the essential, eliminate the superfluous, and direct energy toward what truly moves the strategic needle, which goes beyond time management and is, above all, emotional discipline.

Another crucial element is the intelligent use of metrics. Indicators are not bureaucracy; they provide direction, and when well-defined, they show whether the strategy is working, reduce noise, and speed up decision-making. Companies that monitor the numbers methodically can anticipate trends, correct course, and accelerate the impact of their planning.

Finally, maintaining continuous execution requires adaptability. A strategic plan should serve as a guide, but never as a rigid obligation. The scenario changes, needs evolve, and the company needs to adjust its actions quickly. Operational maturity lies in balancing discipline with flexibility, following the plan, but adjusting course whenever reality demands it. Consistent growth doesn't arise from isolated moments of effort, but from a process that makes action inevitable. When execution becomes culture, expansion ceases to be just an ambition and becomes a method.

Ycaro Martins is a specialist in expansion and high-performance businesses, CEO and founder of Maxymus Expand, a company focused on strategic structuring, acceleration, and growth of commercial operations in various segments. With over 20 years of experience in entrepreneurship, he has built a solid career with innovation and excellence in management. Through his expertise, he brings to the market the methodology and mindset of transformation and expansion. Founder of Vaapty, one of the largest companies in the automotive intermediation segment in the country with over R$ 2.6 billion in commercial operations. In 2025, he will join, as a mentor and investor, the Anzol de Ouro program, an initiative of FCJ Group, official sponsor of the 10th season of Shark Tank Brasil, the largest entrepreneurship and innovation reality show in Latin America.

Startup launches first 100% online journey to purchase health insurance.

The number of Brazilians with health insurance plans reached 52.8 million in June 2025, the highest level ever recorded. The sector generated approximately R$ 190 billion in the first half of the year, consolidating the country as the largest private healthcare market in Latin America . Click Planos projects reaching R$ 6 million in revenue by 2026 and achieving a valuation of R$ 50 million , driven by the expansion of digitalization in access to health insurance plans. However, the sector's expansion contrasts with a persistent contradiction: the contracting process remains slow, complex, and dependent on human intervention. In this scenario, the advancement of digital platforms is beginning to break a historical cycle of inefficiency.

According to Gustavo Succi, President of Click Planos, digitalization is not just a matter of convenience, but of access. “Consumers no longer accept waiting days for a response or filling out dozens of forms to get a plan. They want clarity, comparison, and savings, with decisions made in minutes, not days or weeks. Technology shortens the path between the desire for protection and the contracting of a plan,” he states. This movement reflects a broader market trend, in which digital transformation is reshaping how essential services reach the population, from education to the financial system, and now to healthcare. The digitalization of the sector, previously seen as a technological advancement , has become an economic and operational necessity, driven by increased demand, an aging population, and the operators' pursuit of efficiency. Click Planos connects consumers directly to health insurance providers, offering a 100% digital that combines speed, security, and humanized service, placing itself at the heart of this structural change that is redefining access to private healthcare in Brazil.

The traditional model, still centered on brokers and manual steps, faces a fragmented and opaque approval system. Today, someone wanting to purchase a health plan is forced to wait for a broker to contact them, gather information, and only then receive quotes. Furthermore, the sheer volume of information for each plan makes it difficult to understand. “Most people want to understand if the plan fits their budget, if it covers the main hospitals in the region, and if the contracting process is quick and without bureaucracy. This clarity is what Click Planos delivers in a much more agile way.” The platform works not only by creating comparisons but also by highlighting plans with the biggest discounts for the user's profile, which reduces costs and increases the transparency of the process. “The big turning point is returning control of the process to the consumer. Healthcare should be simple, direct, and accessible, and this is only possible with technology. It took two years between market research and platform development. Today, we have a patent for the solution in Brazil and are in the process in Switzerland. Internationalization for 2028,” adds Succi.

Click Planos' founding team includes individuals from diverse fields with complementary expertise in healthcare, technology, law, and finance. In addition to Gustavo Succi, entrepreneur, founder, and President, the company's ownership structure includes Caio H. Adams Soares, COO and lawyer specializing in healthcare law; Victor Reis, president of the Med+ Group; José Lamontanha, CTO and responsible for the platform's technological development; and Fabrizio Gueratto, partner at Banco Modal, who provides strategic and communication support.

The digitalization of access to healthcare signals a new cycle for the sector, which now combines technological efficiency with empathetic service . In practice, by accessing the website  clickplanos.com.br , the consumer provides their basic information, such as city, age, and type of coverage desired, and in a few seconds sees on the screen the available health plan options that serve their region. The system uses artificial intelligence to cross-reference information on price, accredited network, and user profile, facilitating comparison between operators. The platform currently brings together 1,039 plans and a network of 1,135 accredited hospitals throughout the country. Contracting is done entirely online, with specialized real-time support and validation of operators registered with the ANS (National Agency for Supplementary Health). "The model allows a process that previously took days to be completed in about 2 minutes , bringing agility and transparency to one of the most bureaucratic stages of the sector," concludes Succi.

The Central Bank is foregoing consumer protection by not regulating credit linked to Pix.

The Brazilian Institute for Consumer Protection (Idec) considers the Central Bank's decision not to regulate credit operations linked to Pix, popularly known as "Pix Parcelado," unacceptable. The choice to abandon the creation of rules and allow each institution to operate "as it pleases" creates an environment of regulatory disorder that tends to amplify abuses, confuse consumers, and deepen over-indebtedness in the country.

Although the Central Bank decided to veto the use of the brand “Pix Parcelado”, allowing institutions to adopt variations such as “parcelas no Pix” or “crédito via Pix”, the change in nomenclature does not eliminate the central risk: the consumer will continue to be exposed to highly heterogeneous credit products, without any minimum standard of transparency, without mandatory safeguards and without predictability regarding interest rates, charges, provision of information or collection procedures.

By backing down from regulatory complexity, the Central Bank makes it clear that it has chosen not to confront a problem that is already underway. Instead of establishing rules to protect millions of Brazilians, it transfers the responsibility to the "free market," leaving families unprotected in a scenario where banks and fintechs have complete freedom to define conditions, formats, and costs, including the most abusive ones.

This choice is especially serious in a country where over-indebtedness has already reached alarming levels. The type of credit linked to Pix, precisely because it is present at the moment of payment and associated with the most trusted brand in the Brazilian financial system, creates unique risks: impulsive contracting, confusion between payment and credit, little or no understanding of charges and the consequences of non-payment. Without standards and oversight, the risk of financial traps grows exponentially.

Idec warns that Brazil is heading towards a scenario in which the same product will function in completely different ways at each bank, with its own rules, distinct contracts, varied forms of collection, and divergent levels of protection. This fragmentation compromises transparency, hinders comparison, prevents social control, and makes it almost impossible for the consumer to know, in fact, what they are contracting.

It is unacceptable that, when faced with an issue that directly affects millions of people, the regulatory body abdicates its responsibility. It is not enough to "monitor the development of solutions"; it is necessary to regulate them, oversee them, and guarantee minimum standards of financial security. To abandon this is to abandon the consumer.

Pix was created as a public policy to democratize payments. Transforming it into a gateway for unregulated credit, without addressing the risks and without protecting those who need it most, jeopardizes this achievement. Idec will continue to work to demand standardization, security, and transparency.

WhatsApp: How to scale sales in 2026?

Being online today is no longer enough for a company to thrive and stand out. The modern consumer demands fast and personalized service from their brands, without excessive bureaucracy or difficulty in completing their purchases – something that can be provided very effectively through WhatsApp.

In addition to being one of the most used channels for personal purposes in Brazil, it has also become a powerful tool for communication between companies and their customers, offering a range of features that optimize and enrich each customer's journey, while maintaining maximum security regarding the data shared there.

Its WhatsApp Business API version was specifically developed for organizations that need scalability, integration with internal systems, and governance over message flow. It allows for centralized customer service, control over who sends messages and how they are sent, configuration of authentication layers and user permissions, and integration with CRMs, automation, and chatbots with end-to-end encryption, for example.

In this way, instead of relying on personal accounts or physical cell phones to conduct this communication, brands begin to operate in a structured, secure, and auditable environment, which is fundamental for privacy, compliance, and the LGPD (Brazilian General Data Protection Law). Structured processes lead to a more reliable and predictable operation, which reduces rework, prevents data loss, and increases the efficiency of the sales team, decreasing response time and facilitating large-scale personalization, while maintaining brand consistency and the message used.

The results of these efforts go far beyond just increased profits. This year's Opinion Box survey revealed that 82% of Brazilians already use WhatsApp to communicate with businesses, and 60% have already made purchases directly through the app. This data shows how operational efficiency on the platform not only contributes to greater optimization of customer service, but, above all, to greater customer satisfaction through the clarity, speed, and continuity of the journey within the same environment.

What happens, on the other hand, when these precautions are neglected? Instead of acting as a strategic channel for a close relationship between the parties, its improper use makes it a vulnerability to the prosperity of the business, opening the door to risks of data leaks, cloning or theft of the account, loss of service history, among many others that will impact its credibility with the market, blocking of the business number and, in the worst case, termination of operations.

Avoiding these risks depends not only on the technology itself, but also on paying attention to the structured processes within that channel, creating a culture focused on this perspective, and, of course, implementing continuous training that keeps teams capable of conducting strategies with maximum effectiveness in the channel.

Security and scalability will always go hand in hand. Without the former, operations become a bottleneck. However, when ensured, it becomes an engine for continuous growth. In this sense, some of the best practices that all companies should value include using their Business API version instead of personal accounts, managing access permissions per employee, and creating clear internal policies for communication and data handling.

Regarding the security of its use, it is essential to adopt multi-factor authentication (MFA) for all access accounts, in addition to integration with CRMs to avoid loose data or manual exports, and the development of chatbots and guided flows to standardize the first stage of customer service. Continuously monitor each stage conducted by consumers, and perform ongoing audits of the conversation history, tracking these interactions and identifying how they can be improved.

Companies that treat WhatsApp as a strategic channel, and not just as a messaging app, create a real competitive advantage in a highly connected market. Ultimately, it will always be the details and care in personalizing customer service that make the difference in building customer loyalty.

FedEx releases Global Economic Impact Report and highlights its continued investment in innovation.

FedEx Corporation (NYSE: FDX) announces the publication of its Annual Global Economic Impact Report, which showcases the reach of its network and its role in driving innovation in fiscal year 2025 (FY25). Produced in partnership with Dun & Bradstreet (NYSE: DNB), a leading provider of data and analytics for business decisions, the study presents the positive impact of FedEx — also known as the “FedEx Effect” — on people, businesses, and communities around the world. 

“For more than 50 years, FedEx has been shaping global commerce through innovative transportation services that connect communities,” said Raj Subramaniam, Chairman and CEO of FedEx Corporation. “Our culture of innovation, coupled with our team’s commitment to excellent service and visionary ideas, has enabled the FedEx network to continue driving global progress in a rapidly transforming landscape of commerce and supply chains.”

According to the report, FedEx contributed approximately US$126 billion in direct and indirect economic impact worldwide in FY25. This result reflects the scale of the FedEx network and its ongoing efforts to optimize its operations.

Contribution in Latin America and the Caribbean (LAC) 

FedEx employs more than [number] people in over 50 countries and territories in the Latin America and Caribbean (LAC) region. The FedEx air gateway at Miami International Airport is the primary connection point between the region and the rest of the world and houses the largest cold chain facility in the FedEx network globally, serving the growing demand for transporting perishables such as flowers and food, as well as medicines and therapies.

“At FedEx, our true impact is measured by the difference we make in the lives of the people and communities we serve,” said Luiz R. Vasconcelos, President of FedEx for Latin America and the Caribbean. “We are proud to contribute to strengthening the economy of Latin America and the Caribbean, connecting entrepreneurs and businesses to global opportunities, facilitating trade, supporting job creation, and promoting a more prosperous future throughout the region.”

In FY25, FedEx directly contributed approximately 0.7% to the net economic output of the Transportation, Warehousing, and Communications sector in the LAC region, and generated an estimated indirect impact of $1.1 billion to the regional economy—including $275 million to the Transportation, Warehousing, and Communications sector and $246 million to the Manufacturing sector. Adding the direct and indirect impacts, FedEx's total contribution to the region's economy was approximately $5 billion.

In 2024, the company invested US$743 million in suppliers in the region, with 60% going to small businesses. In total, 89% of FedEx's suppliers in Latin America are small businesses, demonstrating the company's commitment to strengthening local entrepreneurship and the resilience of supply chains.

Transactional fraud and data breaches are the main occurrences in Brazilian companies, according to research by Serasa Experian.

The frauds that most affected Brazilian companies in the last year involved transactional payments (28.4%), data breaches (26.8%), and financial fraud (for example, when fraudsters request payment to a fraudulent bank account) (26.5%), according to the corporate segment of the 2025 Identity and Fraud Report, produced by Serasa Experian, the first and largest datatech company in Brazil. This scenario increases the sense of urgency for companies, with 58.5% of them being more concerned about fraud than before, reflecting an environment where every transaction can become a target and every click can be an entry point for attacks. 

In the first half of 2025 alone, Brazil recorded 6.9 million attempted scams, according to the datatech Fraud Attempt Indicator. To respond to this risky environment, organizations have prioritized layered prevention. According to the report, 8 out of 10 companies already rely on more than one authentication mechanism, a figure that reaches 87.5% among large corporations.

Traditional methods continue to predominate in security strategies: document verification (51.6%) and background checks (47.1%) are still the most widely used. However, other solutions are gaining ground, such as facial biometrics (29.1%) and device analysis (25%). The industrial sector, for example, leads in the adoption of biometrics, with 42.3%. The consistency in the choice of security mechanisms across different segments reinforces a collective movement of adaptation, albeit at different speeds.

According to the Director of Authentication and Fraud Prevention, Rodrigo Sanchez, "biometrics has stood out in the most recent regulations and, since it is already part of the Brazilian consumer's routine, it tends to be increasingly adopted by companies as a central element in identity verification and fraud prevention strategies." See below a graph detailing the national average and the view by segment:

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“There is a clear evolution in the understanding that preventing fraud is not a one-off action, but rather an integrated strategy that combines technology, data, and customer experience. What we observe today is a growing movement towards the use of multiple protection resources, applied intelligently and adapted to the reality of each business. These layers are strategically orchestrated to ensure the best balance between security and fluidity in the digital journey,” comments Sanchez. “We know that fraud attempts will happen, and our role, as leaders in prevention solutions, is to protect businesses so that they remain just that: attempts,” adds the datatech executive.

Algorithm-Driven Consumer: The Impact of AI Recommendations on Purchase Decisions

The advancement of AI-based recommendation technologies has transformed the consumer journey, solidifying the figure of the algorithm-driven consumer—an individual whose attention, preferences, and purchasing decisions are shaped by systems capable of learning patterns and anticipating desires even before they are verbalized. This dynamic, which once seemed restricted to large digital platforms, now permeates virtually all sectors: from retail to culture, from financial services to entertainment, from mobility to the personalized experiences that define daily life. Understanding how this mechanism operates is essential to comprehending the ethical, behavioral, and economic implications that emerge from this new regime of invisible influence.

Algorithmic recommendation is built on an architecture that combines behavioral data, predictive models, and ranking systems capable of identifying microscopic patterns of interest. Every click, screen swipe, time spent on a page, search, previous purchase, or minimal interaction is processed as part of a continuously updated mosaic. This mosaic defines a dynamic consumer profile. Unlike traditional market research, algorithms work in real time and on a scale that no human could keep up with, simulating scenarios to predict the probability of purchase and offering personalized suggestions at the most opportune moment. The result is a smooth and seemingly natural experience, in which the user feels they have found exactly what they were looking for, when in fact they were led there by a series of mathematical decisions made without their knowledge.

This process redefines the notion of discovery, replacing active searching with an automated delivery logic that reduces exposure to diverse options. Instead of exploring a broad catalog, the consumer is continuously narrowed down to a specific selection that reinforces their habits, tastes, and limitations, creating a feedback loop. The promise of personalization, while efficient, can restrict repertoires and limit the plurality of choices, causing less popular products or those outside predictive patterns to receive less visibility. In this sense, AI recommendations help shape these choices, creating a kind of predictability economy. The purchase decision ceases to be the exclusive result of spontaneous desire and begins to also reflect what the algorithm has considered most likely, convenient, or profitable.

At the same time, this scenario opens up new opportunities for brands and retailers, who find in AI a direct bridge to increasingly scattered and stimulus-saturated consumers. With the escalating costs of traditional media and the declining effectiveness of generic ads, the ability to deliver hyper-contextualized messages becomes a crucial competitive advantage. 

Algorithms allow for real-time price adjustments, more accurate demand forecasting, waste reduction, and the creation of personalized experiences that increase conversion rates. However, this sophistication brings an ethical challenge: how much consumer autonomy remains intact when their choices are guided by models that know their emotional and behavioral vulnerabilities better than they do themselves? The discussion about transparency, explainability, and corporate responsibility is gaining momentum, demanding clearer practices on how data is collected, used, and transformed into recommendations.

The psychological impact of this dynamic also deserves attention. By reducing friction in purchases and encouraging instant decisions, recommendation systems amplify impulses and diminish reflection. The feeling that everything is within reach with a click creates an almost automatic relationship with consumption, shortening the path between desire and action. It is an environment where the consumer finds themselves facing an infinite and, at the same time, carefully filtered showcase that seems spontaneous but is highly orchestrated. The boundary between genuine discovery and algorithmic induction becomes blurred, which reconfigures the very perception of value: do we buy because we want to, or because we were led to want to?

In this context, the discussion about biases embedded in recommendations is also growing. Systems trained with historical data tend to reproduce pre-existing inequalities, favoring certain consumer profiles and marginalizing others. Niche products, independent creators, and emerging brands often face invisible barriers to gaining visibility, while large players benefit from the power of their own data volumes. The promise of a more democratic market, driven by technology, may be reversed in practice, consolidating the concentration of attention on a few platforms.

The algorithmically engineered consumer, therefore, is not only a better-served user, but also a subject more exposed to the power dynamics that structure the digital ecosystem. Their autonomy coexists with a series of subtle influences that operate beneath the surface of the experience. The responsibility of companies, in this scenario, lies in developing strategies that reconcile commercial efficiency with ethical practices, prioritizing transparency and balancing personalization with a diversity of perspectives. At the same time, digital education becomes indispensable for people to understand how seemingly spontaneous decisions can be shaped by invisible systems.

Thiago Hortolan is the CEO of Tech Rocket, a Sales Rocket spin-off dedicated to creating Revenue Tech solutions, combining Artificial Intelligence, automation, and data intelligence to scale the entire sales journey from prospecting to customer loyalty. Their AI agents, predictive models, and automated integrations transform sales operations into an engine of continuous, intelligent, and measurable growth.

99 and PneuStore have partnered to offer tires with exclusive deals to partner drivers and motorcyclists.

99, a leading technology company with national coverage, has signed an agreement with PneuStore, the largest online tire store in Brazil, to offer tires from major brands for cars and motorcycles with discounts of up to 10% via Pix or Boleto (Brazilian payment slip). This new feature is available within Classificados99 , which is evolving beyond vehicle sales and becoming a marketplace focused on automotive products. Initially available in Brasília, Goiânia, and Curitiba, this new feature marks the platform's growth as a mobility and convenience ecosystem, expanding the services it offers.

With this launch, Classificados99 continues its journey towards becoming a hub for automotive solutions, engaging drivers and motorcyclists with tangible benefits such as competitive pricing, convenience, and ease of purchase in a digital environment. Access is via this page , leading to personalized offers with a simple and secure browsing and purchasing experience.

“At 99, drivers and motorcyclists are at the center of everything we do. This partnership with PneuStore expands the options within Classificados99 and reinforces the company's commitment to supporting those who are on the streets every day, offering solutions that facilitate everyone's work and bring more convenience and savings,” says Thiago Hipolito, Innovation Director at 99.

For PneuStore, the agreement reinforces the brand's purpose of being close to those who depend most on the road. "Our motto is to be the guide towards the right tire, and this partnership with 99 reflects exactly that: helping drivers choose safely, with the best conditions and confidence in the purchasing process ," highlights Fernando Soares, E-commerce Director at PneuStore.

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