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Black Friday 2024: Lawyer gives tips to protect yourself from major scams and frauds

E-Commerce Uptate
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Black Friday 2024: Lawyer gives tips to protect yourself from major scams and frauds

A Black Friday 2024 se aproxima com uma estimativa de crescimento de 9% no faturamento do e-commerce em comparação com o ano passado, podendo alcançar R$ 9,3 bilhões, conforme dados da Neotrust.Confi. Contudo, o aumento das compras online também traz consigo a intensificação de golpes e fraudes, que miram consumidores menos atentos ou em busca de ofertas irresistíveis.

A advogada da Cone Sul Marcas e Patentes, Dra. Vanessa Albuquerque, alerta sobre o principal golpe do momento, sites que simulam grandes marcas com a identidade visual muito parecida para atrair clientes com descontos suspeitos. “O consumidor precisa estar atento a preços que destoam drasticamente da média e a plataformas que copiam a identidade visual de grandes redes, como a Magalu, mas apresentam nomes levemente alterados, como ‘Malagu’, por exemplo. Essa prática é comumente utilizada para iludir o consumidor e levar a compras inseguras,” explica.

Entre outros golpes recorrentes, destacam-se também sites que exibem depoimentos e imagens de bancos de fotos internacionais para simular credibilidade. “O uso de depoimentos de falsos compradores e imagens genéricas em sites desconhecidos é um sinal de alerta. Muitos consumidores se deixam convencer por essas táticas visuais, sem avaliar a procedência do vendedor”, orienta Dra. Vanessa.

Além dos sites fraudulentos, outras abordagens comuns incluem:

  • Promoções falsas por SMS e WhatsApp: Mensagens com links maliciosos são enviadas para dispositivos móveis prometendo descontos incríveis. Essas mensagens geralmente utilizam links que podem comprometer a segurança dos dados do usuário.
  • E-mails com cupons de desconto de remetentes suspeitos: Muitos cupons e ofertas que simulam empresas de renome podem chegar por e-mail de contas como “@gmail.com”, “@hotmail.com” ou “@terra.com.br”. Porém, empresas sérias utilizam domínios próprios para enviar comunicações promocionais.
  • Perfis falsos nas redes sociais: Golpistas investem em anúncios e stories nas redes sociais para promover perfis falsos que imitam páginas de compra, muitas vezes com depoimentos de supostos clientes para dar uma impressão de segurança.

De acordo com a pesquisa da Opinion Box e da Dito, “Comportamento de compra e tendências para a Black Friday 2024’, a preferência do público ainda fica com o e-commerce (43%). Logo atrás aparecem as lojas físicas e e-commerce (39%), apenas lojas físicas (14%) e, por último, compras somente através do aplicativo da empresa ou WhatsApp (4%).

Considerando apenas o e-commerce, os cinco marketplaces mais visitados pelos consumidores foram: Amazon (55%); Shopee (45%); Mercado Livre (40%); Magazine Luiza (37%); e Americanas (28%). Com isso, a advogada aconselha: “No ambiente virtual, é fundamental verificar sempre a URL dos sites, desconfiar de preços muito abaixo do mercado e confirmar a autenticidade do vendedor por meio dos sites oficiais. Prevenção e cautela são as melhores defesas contra golpes nessa época do ano.”

Startup Life announces new partner and exclusive program for the dev community

E-Commerce Uptate
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Startup Life announces new partner and exclusive program for the dev community

The dev community and tech enthusiasts have a special reason to follow Startup Life in the coming weeks: Lucas Montano, a software engineer and influential tech content creator on YouTube, is the new partner of the podcast.With solid experience in the technology market and currently working as a Senior Engineer at Disney, Montano will lead the M1 Podcast, a new Startup Life program geared especially for the developer community.

Recognized for sharing in-depth content on programming, career development and technology trends, Lucas Montano has been a reference for professionals and beginners in the tech sector. According to Layon Lopes, CEO of Startup Life, the arrival of Montano marks a new chapter for the podcast. “With all his experience and a genuine connection to the dev community, Lucas is the ideal choice to lead this initiative.We are excited about the impact this partnership will bring to both our listeners and the” technology ecosystem, says Lopes.

Gartner warns that only 48% of digital initiatives meet or exceed business results targets 

E-Commerce Uptate
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Gartner warns that only 48% of digital initiatives meet or exceed business results targets 

A Netshoes, maior e-commerce de artigos esportivos e lifestyle do país, se uniu à On The Nose em uma campanha especial para divulgar a Black November, um mês inteiro de promoção no app e no site da companhia. A agência foi a responsável pela elaboração de uma ação envolvendo sósias de celebridades, tema que vai ao encontro do lema “dispensa imitações”, tema da Black Friday da companhia em 2024.

A On The Nose não apenas agenciou todos os talentos da campanha, mas também foi responsável pelo planejamento, criação e execução de um dos desdobramentos nas redes sociais, com Priscila Beatrice, sósia de uma cantora internacional. Na ação, a influenciadora foi levada para a rua Oscar Freire, em São Paulo, ponto de lojas de luxo, para que a população se questionasse se era ou não a “verdadeira” cantora de Barbados.

“Nossa ideia esse ano é satirizar o fake e usar nosso pioneirismo da Black November, compromisso e credibilidade com nossos consumidores, contra ofertas que não entregam a verdade”, afirma Gabriele Claudino, diretora de marketing da Netshoes.  “Por isso, a proposta da On The Nose caiu como uma luva no que pretendemos alcançar com essa campanha: viralização, meme e a atenção dos consumidores voltada para as nossas promoções”.

Para gerar conversas e espalhar a notícia sobre a possível presença da cantora internacional no Brasil foi criada uma estratégia com bancas digitais, com perfis de grande alcance como Gina Indelicada, Nazaré Amarga, Central da Fama e Nana Rude. Elas publicaram vídeos da Priscila acompanhada de dois seguranças, interagindo com fãs que a reconheciam nas ruas.

Em meio a inúmeros comentários questionando a verdadeira identidade da cantora, a On The Nose trouxe à cena o nutricionista e influenciador digital, Rodrigo Góes. Conhecido por seus vídeos avaliando o shape de famosos e seu bordão icônico “Fake Natty!”, ele revelou em suas redes sociais que se tratava de uma sósia e destacou que, diferente dela, os descontos da Netshoes são absolutamente reais. Confira o vídeo: https://www.instagram.com/reel/DCCZmc-vkKZ/ and https://vm.tiktok.com/ZMhVaVmNy/.

Após a revelação, a Netshoes intensificou a campanha com postagens estratégicas nas redes sociais, especialmente no Instagram, para engajar o público e reforçar a autenticidade das suas ofertas.

“Combater o fake de forma irreverente e bem humorada e destacando a credibilidade da Netshoes. Este foi o ponto de partida para a criação de uma campanha que fosse de encontro ao tema da Black Friday da empresa”, afirma Rafael Cappelli, sócio-fundador da On The Nose. “Ouvir as demandas dos nossos clientes e construir soluções estratégicas e criativas que engajem, conquistem a atenção dos mais variados públicos e entreguem resultados para a empresa é o que nos move diariamente.”

A On The Nose é uma agência especializada em conteúdo digital que se destaca por sua criatividade e inovação. Entre suas colaborações, a agência trabalhou com a Netshoes na campanha do Dia dos Namorados deste ano, estrelada pelo humorista Thiago Ventura. Além disso, a agência coordenou as campanhas da liquidação PayDay em setembro com o influenciador Dan Lessa, na NFL, e em outubro e novembro com o cantor Supla.

Combate real ao fake

Para se ter uma ideia da importância dessa campanha da Netshoes, segundo dados da organização National Crime Prevention Council, que trata de estudos e prevenção de crimes, canais de e-commerce especializados em vender itens piratas estão em alta no mundo todo. Só nos Estados Unidos, cerca de US$ 2 trilhões são vendidos todos os anos em produtos falsificados. 

Para coibir a oferta de produtos de origem duvidosa em seu marketplace, a Netshoes tem uma política de regras rígidas, um conjunto de princípios criado para nortear e dar diretrizes aos sellers, chamada de “inegociáveis”. Eles prezam pelo combate à venda de produtos de origem ilícita, sem nota fiscal, itens falsificados e quaisquer outras violações da lei, com um time responsável pelo acompanhamento dos anúncios e penalizações quando necessário.


Além disso, a companhia faz uso de tecnologias que por meio de uma busca por imagem, revisam frequentemente todo o catálogo de produtos, tira do ar quaisquer anúncios suspeitos e, a partir disso, a  Netshoes notifica aquele vendedor da infração, com penalidades que podem incluir o banimento da loja no e-commerce. Em 2024, essa supervisão retirou do ar 51 000 anúncios suspeitos e 87 varejistas foram banidos da plataforma. 

Netshoes and On The Nose perform with celebrity lookalikes for Black November

E-Commerce Uptate
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Netshoes and On The Nose perform with celebrity lookalikes for Black November

A Netshoes, e-commerce de artigos esportivos e lifestyle, se uniu à On The Nose em uma campanha especial para divulgar a Black November, um mês inteiro de promoção no app e no site da companhia. A agência foi a responsável pela elaboração de uma ação envolvendo sósias de celebridades, tema que vai ao encontro do lema “dispensa imitações”, tema da Black Friday da companhia em 2024.

A On The Nose não apenas agenciou todos os talentos da campanha, mas também foi responsável pelo planejamento, criação e execução de um dos desdobramentos nas redes sociais, com Priscila Beatrice, sósia de uma cantora internacional. Na ação, a influenciadora foi levada para a rua Oscar Freire, em São Paulo, ponto de lojas de luxo, para que a população se questionasse se era ou não a “verdadeira” cantora de Barbados.

“Nossa ideia esse ano é satirizar o fake e usar nosso pioneirismo da Black November, compromisso e credibilidade com nossos consumidores, contra ofertas que não entregam a verdade”, afirma Gabriele Claudino, diretora de marketing da Netshoes.  “Por isso, a proposta da On The Nose caiu como uma luva no que pretendemos alcançar com essa campanha: viralização, meme e a atenção dos consumidores voltada para as nossas promoções”.

Para gerar conversas e espalhar a notícia sobre a possível presença da cantora internacional no Brasil foi criada uma estratégia com bancas digitais, com perfis de grande alcance como Gina Indelicada, Nazaré Amarga, Central da Fama e Nana Rude. Elas publicaram vídeos da Priscila acompanhada de dois seguranças, interagindo com fãs que a reconheciam nas ruas.

Em meio a inúmeros comentários questionando a verdadeira identidade da cantora, a On The Nose trouxe à cena o nutricionista e influenciador digital, Rodrigo Góes. Conhecido por seus vídeos avaliando o shape de famosos e seu bordão icônico “Fake Natty!”, ele revelou em suas redes sociais que se tratava de uma sósia e destacou que, diferente dela, os descontos da Netshoes são absolutamente reais. Confira o vídeo: https://www.instagram.com/reel/DCCZmc-vkKZ/ and https://vm.tiktok.com/ZMhVaVmNy/.

Após a revelação, a Netshoes intensificou a campanha com postagens estratégicas nas redes sociais, especialmente no Instagram, para engajar o público e reforçar a autenticidade das suas ofertas.

“Combater o fake de forma irreverente e bem humorada e destacando a credibilidade da Netshoes. Este foi o ponto de partida para a criação de uma campanha que fosse de encontro ao tema da Black Friday da empresa”, afirma Rafael Cappelli, sócio-fundador da On The Nose. “Ouvir as demandas dos nossos clientes e construir soluções estratégicas e criativas que engajem, conquistem a atenção dos mais variados públicos e entreguem resultados para a empresa é o que nos move diariamente.”

A On The Nose é uma agência especializada em conteúdo digital que se destaca por sua criatividade e inovação. Entre suas colaborações, a agência trabalhou com a Netshoes na campanha do Dia dos Namorados deste ano, estrelada pelo humorista Thiago Ventura. Além disso, a agência coordenou as campanhas da liquidação PayDay em setembro com o influenciador Dan Lessa, na NFL, e em outubro e novembro com o cantor Supla.

Combate real ao fake

Para se ter uma ideia da importância dessa campanha da Netshoes, segundo dados da organização National Crime Prevention Council, que trata de estudos e prevenção de crimes, canais de e-commerce especializados em vender itens piratas estão em alta no mundo todo. Só nos Estados Unidos, cerca de US$ 2 trilhões são vendidos todos os anos em produtos falsificados. 

Para coibir a oferta de produtos de origem duvidosa em seu marketplace, a Netshoes tem uma política de regras rígidas, um conjunto de princípios criado para nortear e dar diretrizes aos sellers, chamada de “inegociáveis”. Eles prezam pelo combate à venda de produtos de origem ilícita, sem nota fiscal, itens falsificados e quaisquer outras violações da lei, com um time responsável pelo acompanhamento dos anúncios e penalizações quando necessário.


Além disso, a companhia faz uso de tecnologias que por meio de uma busca por imagem, revisam frequentemente todo o catálogo de produtos, tira do ar quaisquer anúncios suspeitos e, a partir disso, a  Netshoes notifica aquele vendedor da infração, com penalidades que podem incluir o banimento da loja no e-commerce. Em 2024, essa supervisão retirou do ar 51 000 anúncios suspeitos e 87 varejistas foram banidos da plataforma. 

Wipro presents AI solutions developed by NVIDIA targeting the next wave of Artificial Intelligence

E-Commerce Uptate
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Wipro presents AI solutions developed by NVIDIA targeting the next wave of Artificial Intelligence

Wipro Limited, a technology and consulting services company, announced new initiatives leveraging NVIDIA AI capabilities to help clients in various industries including healthcare, communications and financial services quickly develop and implement new business strategies for the AI era with NVIDIA AI Enterprise. Building on this collaboration, Wipro also plans to expand into areas such as digital manufacturing and Digital Twins with the NVIDIA Omniverse, Offering exceptional value to its local and global customers.

Wipro is working with AI from NVIDIA to facilitate access for large companies to ready-to-use models for building AI agents in the areas of intelligent document processing, drug discovery, customer service and claims processing NVIDIA NIM Agent Blueprints ''these models are expected to significantly accelerate the delivery of business value to customers.

“Companies are increasingly seeking measurable business benefits to accelerate AI adoption in their business and drive innovation across multiple” sectors, he said Nagendra Bandaru, President and Managing Partner 5 Enterprise Futuring, Wipro. Wipro's“O WeGA Studio, built with NVIDIA AI Enterprise, harnesses the power of NVIDIA NIM Agent Blueprint to accelerate deployment of relevant AI virtual assistants to enhance user experiences and simplify operations

“We are living a decisive moment in digital transformation, and the collaboration between Wipro and NVIDIA represents an important milestone for the technology market in Brazil and worldwide.As companies seek tangible business benefits, our partnership not only accelerates the adoption of Artificial Intelligence, but also provides the infrastructure needed for robust” innovations, explains Wagner Jesus, Wipro country head in Brazil. “With the growing pressure to control cloud costs while investing in generative AI solutions, we believe this collaboration will empower companies to adapt quickly and thrive in a constantly evolving business environment.

In the AI era, companies are looking to maximize their generative AI capabilities and drive business transformation with applications that can adapt to their” needs, he said John Fanelli, vice president of enterprise software, NVIDIA. By using NVIDIA NIM Agent Blueprints, Wipro WeGA can help accelerate AI adoption to enhance customer experiences and optimize operations to quickly develop and deploy custom generative AI applications across industries

Wipro Enterprise Generative AI (WeGA) Studio features  NVIDIA AI Enterprise Software, including NVIDIA NIM Agent Blueprints NVIDIA NeMo's and NVIDIAto develop customized solutions across the full spectrum of Wipro's service portfolio that are expected to significantly increase processing speed and create value for Wipro customers across multiple industries.

Wipro enhances Customer Service, Health and more with NVIDIA AI

Using the new NIM Agent Blueprint for customer service, Wipro can quickly create custom AI virtual assistants for call center customers that can be deployed in the cloud or on-premises. These virtual assistants are powered by NVIDIA NIM and NVIDIA NeMo Retriever microservices for recovery-enhanced generation (RAG) to recommend solutions that solve problems and help people serve customers as informed brand ambassadors.

By integrating NVIDIA technologies with WeGA Studio, Wipro incorporates responsible AI principles into its solutions. This framework prioritizes accuracy, trust, transparency, performance, privacy, security, and protection, helping to address the challenges of generative AI and foster continuous innovation.Because the solution can be deployed anywhere, on-premises, or in the cloud, organizations can comply with data privacy regulations.

Wipro is offering next-generation health solutions with NVIDIA AI to improve member experiences, increase enrollment, and increase claim adjudication productivity in Wipro health offerings under the Affordable Care Act (ACA), Medicare, and Medicaid.

In addition to healthcare, Wipro's integrated solutions with NVIDIA technology can also deliver faster, better and more affordable services in critical areas such as supply chain management, contact centers, marketing, finance and HR.

This company processed almost 3 million messages on Black Friday 2023 and predicts high for this year

E-Commerce Uptate
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This company processed almost 3 million messages on Black Friday 2023 and predicts high for this year

With the arrival of the end of the year, companies across the country are intensifying preparations for the sales season, which includes Black Friday, Christmas and Cyber Monday.In 2023, Infobip, a global cloud communication platform, processed 2.7 million mobile interactions during Black Friday and 2.5 million on Cyber Monday, signaling the growing role of mobile technologies in sales. Experts from Infobip project that by 2024 investment in mobile communication tools should grow even more, following the importance of smartphones as a purchase channel for millions of consumers in Brazil.

According to a recent study conducted by the company in Brazil, 43% of respondents said they like to interact with chatbots, and 64% agreed that it is more efficient to start a chatbot conversation and, if necessary, move to an attendant. “The rise of automated service is due to several factors. From the basic benefits, such as 24/7 availability and instant responses, to the effort of companies to improve this technology and provide the best experience for the customer. In times when demand is high, especially sales through messaging, chatbots are an excellent alternative to improve the performance of the company, explains Infam Karbara. 

With several tools, mobile phones have become true allies of retailers for the promotion and purchase of products and services. In this context, social networks, especially WhatsApp, have also gained strength. “For year-end shopping, people seek practicality. With the increase in Black Friday promotions, the volume of customers is naturally higher and, therefore, companies must be prepared to serve them by providing a seamless shopping journey, in which products can be purchased with a few touches on the smartphone's”, details Barbara. 

Fixing problems and getting to know your audience 

Despite being more accepted today, chatbots still have some difficulties that need to be studied by companies that use the tool to assist in their sales. According to Infobip's survey, 53% of respondents reported as an inconvenience the difficulty of virtual assistants to understand the context of their problems. In a mobile environment, this type of obstacle is a strong competitor to make the consumer give up to take a question, be really helped, or even buy the product they want. 

In Black Friday moments, chatbots and virtual tools should be ready to assist the consumer in the best possible way 'NO obstacles create barriers between the first communication and the execution of the purchase. Therefore, retailers should be aware of their type of customer, predicting possible communication barriers and doubts that may arise. 

In Brazil, 86% of consumers said they would engage more with companies if they offered a more personalized service. Personalization, today, is key to successful campaigns. Companies need to know what the preferred communication channel of their audience, what kind of language should use, what product and service recommendations to make. 

“It is very important that the brand knows its audience, knows which age group it belongs to and the main preferences”, emphasizes Barbara. “This way, it is possible to create more efficient communication strategies that demonstrate appreciation and concern for the opinion and tastes of the customer & what will be converted into good results of selling”, he concludes. 

Digital marketing agency expands business with international accounts

E-Commerce Uptate
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Digital marketing agency expands business with international accounts

Presente no ranking das 50 maiores agências digitais do país da jivochat, a Agência de Marketing Digital WebSnap (www.websnap.com.br) ampliou, neste ano de 2024, a sua área de atuação ao agregar em seu portfólio empresas internacionais. Esta iniciativa colaborou com o incremento do faturamento em 20% em relação ao mesmo período do ano anterior.

Com profissionais bilíngues, o atendimento é feito no idioma do cliente e toda a operação acontece aqui no Brasil. “Esta é uma excelente alternativa para as empresas que faturam em dólar, mas querem fazer investimentos mais acessíveis, sem renunciar à qualidade dos serviços”, destaca o CEO da WebSnap, Rodrigo Caminitti.

Uma das contas internacionais conquistadas é a Ofcdesk, que possui 80% da carteira de clientes localizados nos Estados Unidos. Com sede em Naperville, Illinois (EUA), a Ofcdesk é uma empresa especializada em soluções de CAD (Computer-Aided Design) e BIM (Building Information Modeling) para o setor de AEC (Arquitetura, Engenharia e Construção), Design de Interiores e Produção.

Sua maior dor era a comunicação ineficaz junto ao seu setor de atuação. “Pelo fato de a Ofcdesk oferecer soluções complexas, nossa proposta foi a elaboração, de forma clara, de conteúdos explicativos para a sua divulgação e prospecção de novos clientes”, explica Caminitti.

Outra empresa multinacional foi a Smycotech, a qual contratou a WebSnap para criar toda a sua comunicação e marketing aqui no Brasil. O projeto envolveu desde a criação do site e de contas para as redes sociais até uma ampla campanha utilizando o Google Ads para a geração de novos negócios.

A Smycotech é uma empresa altamente técnica e especializada, que atua principalmente com consultoria e engenharia externa para a análise de integridade de ativos e gestão de manutenção. Está focada em atender setores industriais de alta complexidade, como celulose, energia e mineração, visando a otimização da vida útil e o desempenho dos ativos de seus clientes, por meio de soluções de manutenção que reduzem custos e riscos operacionais. A empresa também se destaca pela abordagem meticulosa e baseada em dados e análise técnica, segurança operacional e aumento da eficiência.

Um de seus grandes clientes no país é a Elera Renováveis, uma das maiores empresas do setor de energia renovável do Brasil e uma das principais do mundo. Possui uma matriz energética 100% renovável composta por usinas hidrelétricas, parques eólicos, parques solares e usinas de biomassa.

O maior desafio da Smycotech era gerar uma segmentação específica capaz de atrair leads de qualidade. “Devido à natureza altamente técnica e especializada dos serviços, elaboramos um plano de ação focado em segmentação precisa e técnica de comunicação”, detalha o CEO da WebSnap, Rodrigo Caminitti.

5 Truths every workaholic needs to know

E-Commerce Uptate
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5 Truths every workaholic needs to know

For people who think that working more means being more productive, Caroline Garrafa reminds us that our bodies are paying the price, even if we don't realize it. Working too much increases the risk of anxiety, depression and cardiovascular disease. And, she warns, beware: these five truths will change the way you see your work rhythm:

1️. Productivity plummets after 50 hours a week. Studies show that after a 50-hour working week your productivity drops dramatically.

2️. After a certain point, you're just wearing yourself out. Your body is already suffering - you just don't realize it yet.

3️. Time is the most precious resource and it doesn't come back. Remember: time is not renewable, when you work more than you need to, you are sacrificing moments with important people and this time will never come back.

4️. Being busy doesn't define your value. You don't need to be busy to be important. One of the main internal saboteurs is the hyper achiever, who believes that they only have value when they are producing.

5️. Burnout is not a trophy or something to be proud of. Respecting your limits is a sign of strength and emotional intelligence.

Cloud migration: the beginning of the AI revolution in the financial sector

Adilson Batista
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Cloud migration: the beginning of the AI revolution in the financial sector

The financial sector is at a tipping point! The pressure to innovate, provide faster and more personalized experiences to customers and, still, ensure efficiency has never been higher. In this scenario, for companies that still maintain part of their operations in legacy technologies, migration to the cloud emerges as one of the main facilitators for data integration, scalability of operations and is crucial for the adoption of artificial intelligence (AI). This process, however, brings significant challenges and remains one of the latent pains of institutions that were not born digital.

By enabling companies to scale their operations and integrate large volumes of data, the cloud becomes the foundation on which AI solutions can be built. For the granting of credit, for example, customer behavior analysis has become a crucial tool, made possible by access to massive data in real time. AI allows you to identify patterns, predict risks and offer more assertive decisions.But for this, it is essential that data is accessible and organized in a flexible and scalable infrastructure, characteristics that the cloud offers in an adaptable way to each phase of the process, such as training models and operating them. 

Migrating legacy systems to the cloud, however, presents a number of hurdles.Many financial institutions, especially those with more traditional infrastructure, still operate on on-premises systems developed in past decades.These, while robust to their original functions, are not designed to handle the flexibility and connectivity required by modern platforms. 

Restructuring to a cloud environment involves not only technological adjustments but also a profound transformation in business processes, ensuring that data migrates securely and that daily operation is not disrupted.

In addition, preparing data for use in AI solutions requires more than simply transferring it to the cloud. Legacy systems often store information in a fragmented or difficultly accessible manner, which makes it impossible to make it available for intelligent analysis. Transforming data from raw to structured requires a series of steps from cleaning, normalization and standardization and any failure in this process can compromise the effectiveness of AI algorithms.

The competitive strength of new digital institutions

For companies that were born in the digital and cloud environment, the scenario is quite different. Financial startups and fintechs often avoid the challenges faced by traditional banks, taking advantage of the advantages of a modern infrastructure from the beginning. These companies focus on using this infrastructure and AI models in the central strategy, as part of the core business and value delivery that offer (which can often be linked to values such as agility and economy. In addition, the competitiveness of these institutions translates into a greater ability to offer personalized and innovative services, such as predictive analysis for credit granting, with an efficiency that challenges the large players in the market.

Traditional institutions, on the other hand, have much larger amounts of data, which are not always accessible, but which has the potential to support more robust analysis.   

While full migration to the cloud may seem like a monumental task for these large institutions, there are strategies that can facilitate this process more gradually and in a controlled manner.Incremental approaches, such as modular modernization of legacy systems, allow companies to make updates in small steps, reducing the risk of critical failures and service interruptions.Each upgrade, companies can test and adjust integration with new technologies , ensuring a smoother and more effective transition.

These small-scale approaches consist of choosing critical business processes that can potentially benefit from AI-based solutions, reshaping them and keeping them parallel to traditional processes, so that both challenge each other and generate evidence about the feasibility and impact of new solutions. 

This method, in addition to being financially more viable, allows companies to maintain service continuity and protect data integrity. More importantly, it creates a solid foundation so that in the future the company can take full advantage of the cloud and AI, without the pressure of a radical and immediate transformation. Implementing AI is not making a revolution at once. 

Whether for traditional companies in the process of modernization or for digital startups, migration to the cloud is no longer a trend and has become a practical requirement. Competitiveness in the financial sector, driven by Artificial Intelligence, depends directly on the ability to integrate and manage large-scale data, efficiently and safely. Ignoring this change can limit the potential for innovation and restrict growth in an increasingly digital and competitive environment.

Seven cybersecurity trends and tips for small and medium businesses to stay protected

E-Commerce Uptate
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Seven cybersecurity trends and tips for small and medium businesses to stay protected

Cyberattacks are a major challenge for organizations of all sizes, but small and medium-sized enterprises (SMEs) face distinct threats when it comes to cybersecurity.Unlike large enterprises, they often lack the resources and expertise to implement extensive security measures or manage complex solutions, making them targets for malicious actors.

To help us better understand the security needs and trends of SMBs, Microsoft partnered with Bredin, a company that specializes in research and insights into SMBs, to drive a security-focused research for companies with 25 to 299 employeesby sharing the insights below and the initial actions that can be taken to address them, SMEs can find additional best practices to stay safe in the industry Cybersmart Kit Be (in english).

  1. One in three SMEs has been the victim of a cyberattack

With the rise of cyberattacks, SMEs are increasingly affected.Research shows that 31% of SMEs have been victims of cyberattacks such as ransomware, phishing or data breaches. Despite this, many SMEs still maintain misconceptions that increase their risk and vulnerability. Some believe they are too small to be targeted by hackers or assume that compliance equals security.It is crucial to understand that malicious actors pose a threat to businesses of all sizes, and cybersecurity complacency can lead to significant risks.

How can SMEs address this?

Microsoft, in collaboration with the Cyber Security and Infrastructure Agency (CISA) and the National Cybersecurity Alliance (NCA), outlined four simple best practices for building a strong cybersecurity foundation: security

  • Use strong passwords and consider a password manager.
  • Enable multi-factor authentication.
  • Learn to recognize and report phishing.
  • Make sure you keep your software up to date.
  1. Cyberattacks cost SMEs more than 250 thousand dollars on average and up to US$ 7 million

The unexpected costs of a cyberattack can be devastating for an SME and make financial recovery difficult. These costs can include expenses incurred for investigation and recovery efforts to resolve the incident and fines associated with the data breach. Cyberattacks not only present immediate financial strain, but can also have long-term impacts on an SME. Diminished customer confidence due to a cyberattack can cause wider reputational damage and lead to lost business opportunities in the future.

It is difficult to anticipate the impact of a cyberattack because the time it takes to recover can range from a day to more than a month. Although many SMBs are optimistic about their ability to withstand a cyberattack, some fail to accurately estimate the time it takes to restore operations and resume normal business activities.

How can SMEs address this?

SMBs can conduct a cybersecurity risk assessment to understand security gaps and determine steps to address them. These assessments can help SMEs discover areas open to attack to minimize them, ensure compliance with regulatory requirements, establish incident response plans, and more.

Planning effectively and proactively can help minimize the financial, reputational, and operational costs associated with a cyberattack should it occur. Many organizations provide self-service assessments, and working with a security expert or security service provider can bring additional expertise and guidance during the process as needed.

  1. 81% of SMEs believe AI increases the need for additional security controls

Rapid advancement of AI technologies and ease of use through simple interfaces create notable challenges for SMBs when used by employees. Without the proper tools to protect company data, the use of AI can lead to sensitive or sensitive information falling into the wrong hands.

How can SMEs address this?

Data security and governance play a critical role in the successful adoption and use of AI. Data security, which includes labeling and encryption of documents and information, can mitigate the chance of restricted information being referenced at AI prompts.

  1. 94% considers cybersecurity critical to their business

Recognizing the critical importance of cybersecurity, 94% of SMEs consider it essential for their operations. While it has not always been considered a priority, given the limited resources and internal expertise, the rise of cyber threats and the increasing sophistication of cyberattacks now pose significant risks to SMEs. Managing work data on personal devices, ransomware and phishing are cited as the main challenges that SMEs are facing.

How can SMEs address this?

For SMEs who want to get started with the resources available to train and educate employees, safety topics in  Cybersecurity 101, Phishing (in English) and more are provided through the website of Cybersecurity Awareness from Microsoft.

  1. Less than 30% of SMBs manage their security internally

Given the limited resources and expertise within SMEs, many turn to security experts for assistance. Fewer than 30% of SMEs manage security internally and often rely on security consultants or service providers to manage protection needs. These professionals provide crucial support in researching, selecting and implementing cybersecurity solutions, ensuring that SMEs are protected from new threats.

How can SMEs address this?

Hiring a Managed Service Provider (MSP & Managed Service Provider) is commonly used to complement internal business operations. MSPs are organizations that help manage broad IT services, including security, and serve as strategic partners to improve efficiency and oversee daily IT activities. Examples of security support may consist of researching and identifying security solutions tailored to a business based on specific needs and requirements. Additionally, MSPs can implement and manage the solution by setting security policies and responding to incidents on behalf of SMEs. This model allows more time for SMEs to focus on core business objectives and requirements while keeping MSPs protected.

  1. 80% aims to increase its cybersecurity spending, with data protection as the main area of investment

Given the growing importance of security, 80% of SMEs aim to increase cybersecurity spending. The main drivers are protecting against financial losses and safeguarding customer and consumer data.It is no surprise that data protection is the main area of investment, with 65% of SMEs saying that this is where increased spending will be allocated, validating the need for additional security with the emergence of AI. Other key spending areas include firewall services, phishing protection, ransomware and device protection, access control and identity management.

How can SMEs address this?

Prioritizing these investments in the above areas, SMEs can improve security posture and reduce the risk of cyberattacks. Solutions such as Data Loss Prevention (DLP & Data Loss Prevention) help identify suspicious activity and prevent sensitive data from leaking out of the enterprise, Endpoint Detection and Response (EDR & ENDpoint Detection and Response) help protect devices and defend against threats, and Identity and Access Management (IAM & Identity Management) help ensure that only the right people have access to the right information.

  1. 68% SMEs consider secure data access a challenge for remote workers

The transition to hybrid work models has brought new security challenges for SMEs, and these problems will continue as hybrid work becomes permanent. With 68% of SMEs employing remote or hybrid workers, ensuring secure access for remote employees is increasingly critical. A significant 75% of SMEs are concerned about data loss on personal devices.To protect sensitive information in a hybrid work environment, it is vital to implement security and device management solutions so that employees can work safely from anywhere.

How can SMEs address this?

Implement measures to protect data and internet-connected devices, including installing software updates immediately, ensuring mobile apps are downloaded from legitimate app stores, and avoiding sharing credentials via email or text message, doing so only by phone in real time.

Next steps with Microsoft Security

  • Read the full report to learn more about how security continues to play an important role for SMEs.
  • Get the Cybersmart Kit Be (in English) to help educate everyone in your organization with cybersecurity awareness resources.

To learn more about Microsoft Security solutions, visit the site. Favorite or security Blog (in English) to follow up on expert coverage on security issues. Also, follow on LinkedIn (Microsoft Security) and X (@MSFTSecurity) for the latest cybersecurity news and updates.v

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