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Cryptocurrency futures market needs accounting environment to avoid tax issues

Those who invest in the cryptocurrency futures market, like investors in the stock futures market, decide to take high risks of losses in order to achieve significant profits. However, in all cases, it is necessary to keep up with commitments and tax obligations in order not to compromise earnings. Luis Fernando Cabral, an accountant specializing in investment accounting from Contador do Trader, notes that the speculation market does not exempt the investor from fulfilling tax obligations.

"The cryptocurrency futures market offers great opportunities, but also requires attention to taxation. Understanding how to correctly report the profits from these operations is essential to avoid problems with the Federal Revenue," explains the accountant. According to him, investors who buy and sell futures contracts will eventually need to measure, record, file, generate the tax, that is, calculate and pay the tax, and finally declare to the Federal Revenue Service (RF). This accounting environment is very important to ensure that operations are up to date with the tax authorities.

Very similar to stock market asset trading, the cryptocurrency futures market is a segment where the digital asset is bought or sold at a set price for a future date. "Investors can either profit if the price is correct or incur a loss," emphasizes the accountant. In this sense, up-to-date accounting contributes, including, to the correct calculation of the average purchase prices of assets, which are important for determining results. "The investor cannot let lack of knowledge about taxes compromise their gains," he says.

In addition to accounting advisory, the futures market investor in cryptocurrencies can seek specialized consulting to analyze the market and make decisions. Because cryptocurrency futures contracts can be used for investors to hedge against adverse price movements or for speculation itself, in order to profit from market fluctuations. There are modalities and ways to work, but all of them require fiscal and accounting security.

No-Code AI Agents: Transforming Businesses in the Digital Age

In the digital age, artificial intelligence (AI) has become a fundamental part of business operations. However, many companies face challenges when trying to implement AI solutions due to a lack of technical knowledge or resources. In this scenario, no-code AI agents emerge, tools that enable professionals from various fields to build and use artificial intelligence solutions without the need for programming, promoting efficiency, innovation, and transforming companies.

No-code AI agents are platforms that offer intuitive interfaces, allowing users to create AI applications with little or no technical programming knowledge. These systems are designed to popularize access to artificial intelligence, enabling marketing, sales, customer service, and other teams to use advanced solutions in a simple and effective way.

The use of this technology is capable of providing several benefits for companies. By automating repetitive tasks, companies can save time and resources. The implementation of no-code solutions allows teams to be more agile, increasing employee efficiency. The ability to experiment with and implement new solutions quickly fosters a culture of innovation within the company, and moreover, the intuitive interfaces of these tools make technology accessible to all users, allowing professionals from different fields to use AI without the need for technical training or prior experience.

The main applications of no-code AI agents in companies are:

1 – Customer Service

ChatbotsCompanies can implement chatbots to answer frequently asked questions, solve simple problems, and manage appointments. This not only improves the customer experience by providing 24/7 support but also frees up the team to focus on other issues.

2 – Marketing automation

Automated campaignsSome tools allow integrating different applications and automating workflows. For example, when receiving a new registration through a form, a welcome email can be automatically sent, increasing the efficiency of marketing campaigns.

3 – Data Analysis

Visualization and reportingCompanies can analyze large volumes of data and create interactive dashboards that facilitate decision-making, through platforms with no-code solutions. These tools help companies identify trends, understand customer behavior, and optimize operations.

4 – Project management

Task automation: Using platforms to automate administrative processes, such as sending reminders and reports, contributes to more efficient and organized project management.

5 – Development of internal applications

Custom Apps: No-code AI agents enable teams to develop custom applications to meet their specific needs, such as inventory control, project management, or any other type of task, without relying on IT staff.

6 – Feedback and satisfaction survey

Automatic forms: Companies can use data collection tools to create surveys and analyze feedback, helping them better understand customer needs and adjust their strategies, making their Customer Experience (CX) more efficient.

No-code AI agents are changing the way companies operate, enabling artificial intelligence solutions to be easily integrated into the daily activities of organizations. This popularization of technology not only improves efficiency and reduces costs but also encourages innovation and agility in business operations. As more companies adopt these tools, the potential to transform the customer experience and optimize internal processes becomes even clearer.

The adoption of these agents represents a significant change in how companies approach technology. With the ability to quickly implement solutions and promote innovation, companies that adopt no-code solutions will be better positioned to compete and grow in a constantly changing market.

5 tips on how brands can avoid losses from digital scams

As technology advances, digital scams become more sophisticated and common, posing a growing threat to people's financial security and privacy.

A recent study conducted by OLX reveals that Brazilians lost R$245 million to digital scams in the first six months of 2024 compared to the same period in 2023. The research analyzed data from the Brazilian digital market, including websites, apps, and digital accounts from January to June, based on approximately 20 million accounts opened on online platforms.

Below, Diego Daminelli, founder and CEO of Branddi, a company specialized in combating unfair competition in the online environment,highlights 5 tips on how brands can avoid harming their customers and consumers with digital scams, check it out:

1 – Control websites created related to your brand:Monitor and manage all online sites and content that are somehow associated with your brand. This is important to ensure that your brand's image is represented consistently and positively;

2 – Manage ads and promotions with your products:plan, create, monitor and adjust advertising campaigns and promotions involving your company's products;

3 – Monitor e-commerces and marketplaces that sell your products:track and analyze the presence and sales of your products on e-commerce platforms and marketplaces;

4 – Report profiles on social networks imitating your brand:identify and report fake or fraudulent profiles on social media that may impersonate your brand;

5 – Analyze fraudsters and eliminate them to protect your end consumers:Identify and take action against fraudulent activities that could harm your customers and your brand reputation.

Daminelli explains that scams using big brands have become an epidemic in Brazil. "This directly impacts how brands are perceived by customers. Besides the financial loss for the customer, there is also a credibility loss for the companies victimized by these scams. In 2024 alone, Branddi has taken down more than 50,000 fraudulent websites and over R$25 million worth of counterfeit products on social media and marketplaces," he concludes.

Distrito and Santander announce acceleration program focused on AI for Startups and SMEs

With the aim of encouraging an entrepreneurial and innovative culture for Startups and Small and Medium Enterprises (SMEs), Distrito, a platform specialized in AI implementation projects for corporations in Latin America, has partnered with Santander Brasil for the programSantander X Accelerates.Registrations are free and remain open until November 10th.  

Through Santander X Acelera, registered startups and SMEs will have access to an online acceleration track focused on the adoption of Artificial Intelligence in business. Along with the learning process, the program offers mentorships, awards, discounts, and benefits, in addition to access to more than 300 reports on the innovation and entrepreneurship ecosystem in Latin America, provided by Distrito.

"Startups and SMEs play a promising role in transforming the national economy, thanks to their dynamic business models. However, these companies still face growth challenges, especially regarding the technology sector and innovation. With the growing prominence of Artificial Intelligence, our goal is to connect these companies to a conducive environment, overcoming barriers and enhancing their competitiveness in the market," explains Gustavo Araújo, CIO and co-founder of Distrito.

During the process stages, 10 startups and 15 SMEs will be selected for the personalized mentoring phase. From then on, the companies will go through an acceleration and will be prepared for the final jury, which will select the three finalist startups and three finalist SMEs of the program. Each will receive R$25,000 in prizes, as well as connections with investors and access to Santander X 100, an exclusive community that offers support for startups, scaleups, SMEs, and entrepreneurial projects.  

"Santander X Acelera was created to provide a bridge for these companies and entrepreneurs to acquire more intellectual capacity about the solutions they want to work on in the market. It is essential to bring relevant technology topics, such as artificial intelligence, into the world of entrepreneurship, as well as connect them to an ecosystem of major players who can boost their businesses to the next level, providing opportunities to thrive in an increasingly digital and competitive environment," says Marcio Giannico, Senior Head of Governments, Institutions, Universities, and Universia at Santander Brazil.

The announcement of the six winners will be on March 20, 2025. Small and Medium Enterprises can register at the linkSantander X Brazil Award | Accelerates SMEs – Santander Xand Startups via the linkSantander X Brazil Award | Accelerate Startups– Santander X.For more information about the selection phases and requirements, visit thenoticeof the program.

Service: 

Santander X Accelerates Program

Free registration: until November 10, 2024

Link for SME registrations:Santander X Brazil Award | Accelerates SMEs – Santander X 

Link for Startup registrations:Santander X Brazil Award |  Accelerate Startups– Santander X. 

Full notice:notice 

Black Friday: Brazilian consumers prefer to buy clothes and electronics in international marketplaces

This year, Black Friday will be on November 29th. Companies that want to stand out from the competition must prepare to meet the expectations of an increasingly demanding consumer audience. A study by Akamai Technologies, a company specialized in cloud computing services and cybersecurity, revealed that 20% of consumers make online purchases once a week, while 31% do so monthly; however, this frequency increases particularly during highly publicized events.

The research also shows that most consumers prefer to shop on international marketplaces, mainly clothing (32%) and electronics (32%). This preference is justified by the wide variety of available products, as well as the ease of price comparison, making it the favorite choice for those seeking a more positive and secure shopping experience.

"We are in a moment where time is extremely valuable and the possibility of finding a wide variety of products in a single place becomes highly attractive. On Black Friday, this reality becomes even more evident, as consumers want to shop quickly but without compromising transaction security. Marketplaces meet this demand well by offering not only a diversity of products but also a shopping experience that builds trust," says Helder Ferrão, industries strategy manager at Akamai LATAM.

In addition to the preference for marketplaces, Akamai's research also highlights the diversification of the purchasing channels that consumers use. Smartphone apps lead in popularity, especially in categories such as food (27%) and clothing (16%). However, in segments like electronics, the preference is balanced between international marketplaces such as Amazon and Mercado Livre (32%), and Brazilian sites like Magazine Luiza and Casas Bahia (31%).For appliances, national websites stand out with 45% of preferences, showing that consumers are willing to explore different platforms depending on their specific needs.

When making payments, consumers prioritize methods that are quick, secure, and convenient, but they tend to vary their payment methods when shopping. The credit card remains the favorite, used by 71% of Brazilians. Pix, with 65%, has been gaining popularity as an instant and fee-free payment option. Additionally, 31% of respondents also choose debit cards, while 19% pay via boleto and 18% use digital payments such as PayPal and MercadoPago.

The security of transactions also becomes a concern for consumers. 90% of respondents believe that companies should be penalized for data breaches that compromise user privacy. Additionally, 54% value guarantees regarding the security of credit card data during the transaction, and 52% consider the ease and security of the payment process as decisive factors when making an online purchase.

Concern for security in online shopping, especially during Black Friday, requires companies to invest in technologies that protect consumers' personal and financial information. Helder emphasizes the importance of retailers adapting to the needs of the public. Black Friday is a unique opportunity to increase sales and build customer loyalty, but it requires careful planning. Companies that offer an integrated shopping experience, intuitive navigation, and effective customer support are more likely to stand out.

For consumers, this date offers the opportunity to make significant purchases, but it is essential to be attentive to conscious consumption practices. Price comparison, research on seller reputation, and reading product reviews can make a difference when making a purchase. Taking advantage of deals wisely, setting a budget, and avoiding impulsive purchases are essential measures for a satisfying shopping experience.

Methodology

The research "The landscape of online shopping in Brazil: consumer preferences and vulnerabilities in the online environment" was conducted with over 900 people through an online panel in April 2024. The study explores payment method preferences, concerns, and shopping habits in Brazil, providing new insights into the vulnerabilities and attacks consumers face when making online purchases.

Black Friday 2024: tips for preparing for the stationery sector

Black Friday is approaching and promises to have a significant impact on Brazilian retail, including the stationery segment. According to Confi.Neotrust, e-commerce is expected to reach a revenue of R$ 9.3 billion, representing a 9.1% growth compared to 2023. For companies to truly harness this potential, proactive planning is essential.

Niche brands should implement strategies that emphasize the exclusivity of their offerings. Creating relevant promotions for the target audience and developing special combos or kits for Black Friday can be good strategies. Furthermore, a more targeted and close communication with the customer, using sales triggers that convey urgency and scarcity, can increase the effectiveness of promotional actions.

Customer service is also a major competitive advantage. Therefore, providing quick and accessible support during the event is crucial to ensure a positive experience, resulting in more sales and greater customer satisfaction.

Sales strategies for e-commerce

For online sales, a good inventory planning is necessary. It is important to identify which products stand out, prioritizing those with higher margins and good sales appeal. Another point is the definition of attractive offers and prices, such as significant discounts, benefits on shipping, or freebies for purchases above a certain amount.

In e-commerce, the user experience must be optimized. The first step is to facilitate navigation so that the consumer can shop quickly and intuitively, using strategies such aslanding pagesand simplified checkout. Furthermore, it is essential to ensure that the experience is fullymobile friendly, since many users make purchases via cell phone.

Preparing logistics for the increased demand during Black Friday is crucial to avoid delays and complaints, directly impacting customer loyalty. Last but not least, it is the support through agile assistance on the main contact platforms and an updated FAQ that helps clarify the main questions.

Experience in physical stores

At points of sale, it is important to explore the strengths that offer differentiated experiences compared to the digital environment. Creating a Black Friday themed environment with personalized reception, including special lighting, music, and attractive window displays, can make a difference. Investing in the sales team's training is essential for employees to provide exceptional service, informing customers about the available opportunities.

Still thinking about the customer experience, it is important to keep an organized checkout line and rely on efficient operators. For brands with physical and virtual presence, a good strategy is integration.omnichannel, such as the “in-store pickup” option, which can transform visits to the physical point of sale into more sales and conversions.

U-All Solutions launches technology to facilitate online payments

Technological payment solutions play a vital role in the current economic landscape, providing agility, security, and convenience for both consumers and businesses. With the increasing digitization of services and the evolution of e-commerce, financial transactions have undergone significant transformations. Companies are increasingly investing in solutions that bring speed to consumers.

Keeping an eye on this scenario, U-All Solutions, a company specialized in customer experience through Big Data Analytics, developed a solution that integrates a payment gateway directly into the Captive Portal, a platform integrated into the dashboard where the client can view the connected users. Technology will facilitate fast, secure, and efficient financial transactions for users, improving the customer experience and increasing monetization for partners.

The new feature will benefit payments during authentication, as well as send transaction links directly to the user's WhatsApp. This entire process will be carried out with complete security to protect the data, supporting various payment methods such as credit cards, debit cards, PIX, and bank slips. All of this process within the right timing for better instant sales conversion.

The platform offers a more intuitive interface to facilitate payments at all stages, with all operations carried out more quickly and comprehensively. In addition to improving the user experience, increasing satisfaction and loyalty. The company's clients who have access will have tools to manage and monitor all financial transactions centrally, with access to detailed reports, facilitating analysis and strategic decision-making.

“This integration of the payment gateway into Uall Solutions’ Captive Portal represents a significant advance in the way financial transactions are carried out. It provides greater ease, security and efficiency for both users and business partners,” says Rodrigo Antunes, CEO of U-All Solutions.

Featured in the Legal Tech category, Privacy Tools is awarded as the 13th best startup in Brazil

A Privacy Tools, the leading company in Brazil in providing solutions for compliance with the General Data Protection Law (LGPD), celebrates an important achievement by being recognized as the 13th best startup in Brazil and the 2nd place in the Legal Tech category in the 100 Open Startups 2024 Ranking. The award ceremony, which took place last Thursday (17th) in Rio de Janeiro, highlighted the leading companies that drove the open innovation sector in the country. This is the fourth consecutive year that Privacy Tools has been recognized in the ranking.

A 100 Open Startups, an open innovation business platform created by the Brazil Open Innovation Center, revealed the results of the 9th edition of the ranking, which involved the participation of over 12,000 startups and 6,000 corporations between July 2023 and June 2024. During this period, more than 60,000 contracts were registered between startups and large companies, generating over R$10 billion in new business.

“This recognition reinforces our commitment to leading and assisting companies in such an important topic as LGPD. Throughout our work, Privacy Tools has been consolidating itself as a reference in helping companies to be more assertive in the complex scenario of compliance and privacy”, explains Aline Deparis, CEO of the company.

The 100 Open Startups Ranking has been published since 2016, with the aim of monitoring, measuring and rewarding the practice of open innovation with startups.

Expert points out 5 tips on how to use newsletters to educate and engage customers

By using newsletters as an educational tool, companies can build longer-lasting relationships with their customers, thereby increasing the perceived value of their products and services, as well as driving long-term growth. Instead of being seen as a sales channel, content can become an asset for business success, as long as it is applied strategically.

Fabio Jr. Soma, an innovation specialist and creator of the M.A.G.O. Method, emphasizes that for a newsletter to be successful, the content offered must be relevant and of high quality. According to him, when a brand commits to delivering valuable and targeted information to its target audience, it positions itself as an authority in the segment, which helps generate engagement and build a trust relationship. "People seek information from reliable sources, and when there is content that solves problems or answers questions, it becomes a reference," he/she/they states.

Furthermore, the specialist explains that consistency in newsletters is another key factor for success. Content creators and entrepreneurs should maintain a regular posting schedule, creating anticipation among the audience, which increases open rates and engagement. "With the correct use of analysis tools, it is possible to monitor subscriber behavior and adjust the content based on the feedback received, making the sending a dynamic and effective channel to nurture leads and strengthen the brand's presence in the market," highlights Fábio.

Another important point is content customization. He observes that brands that segment their subscriber base and personalize the delivery of information according to readers' interests and behaviors are able to achieve superior results in terms of conversion and retention. "Delivering tailored content to each subscriber group improves the user experience and also increases the chances of generating sales and strengthening loyalty," he concludes.

To help content creators and entrepreneurs, Fabio highlights some strategies for success:

Relevant and personalized content
To be effective in educating clients, it is essential to offer relevant and personalized content. By segmenting the customer base and creating specific content for each group, companies can ensure that the information is useful and interesting for each individual.

Storytelling and success stories
Storytelling is a powerful tool to connect with customers emotionally. By sharing success stories and client cases that used the products or services, newsletters can demonstrate the real value of the solutions offered.

Practical tips and guidelines
Newsletters can be used to offer tips and practical guidance on how to use the company's products or services more efficiently. By providing useful information, companies demonstrate their commitment to helping customers get the most out of their purchases.

Webinars e e-books
To deepen customers' knowledge on certain topics, companies can offer free webinars and e-books. These materials can cover more complex and technical topics, demonstrating the company's expertise and encouraging clients to become true specialists.

Creating a community
Newsletters can be used to create a community around the brand. By encouraging customers to interact with each other and with the company, businesses can strengthen the sense of belonging and increase engagement.

ClickBus launches cashback program for travelers

ClickBus, the largest platform of solutions for travelers and bus companies in the road sector in Brazil, has just launched theCashBus, an exclusive cashback program for your customers. With the new feature, travelers with an active login on the company's app or website will be able to receive cashback on each purchase made.

This is a launch in the road transport segment, and ClickBus is the first company in the sector to offer cashback to its users. The benefit will be available at the time of purchase completion, and the balance can be redeemed in the app's "Wallet". From then on, the user will be able to generate a coupon with the accumulated value and apply it to the payment of new tickets.

We are the first company in the sector to offer cashback to bus travelers. THECashBusIt arrives exclusively for our clients, and we created the benefits program by observing the changes in our clients' habits and desires, such as demands for convenience and benefits. We are happy to tell bus passengers that they also deserve and can enjoy these benefits. ", highlights Michelle Xavier, Marketing & Growth Director of ClickBus."

The launch of theCashBusmarks an important step in the model, which in addition to facilitating the consumer experience through online shopping, also reinforces the importance of the relationship with the end customer.

“We are seeing exponential growth in road transport and several opportunities that we, as a Travel Tech, can explore. With our expertise in data, innovation and passion for the sector, we are transforming the journey of our travelers”, concludes the executive.

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