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Black Friday and Black Black Blackout: contingency plans should also consider climate crises

E-Commerce Uptate
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Black Friday and Black Black Blackout: contingency plans should also consider climate crises

Every retailer knows that the precaution against crises on Black Friday is important 'AFTER all, the forecast is that 66% of consumers make purchases and the billing reach R$ 9.3 billion in Brazilian e-commerce, according to Opinion Box reports with Wake and Neotrust, respectively. But one factor that needs to ignite the alert of entrepreneurs is the impact of any blackouts, such as what occurred in Sao Paulo in October.

There were 72 hours without power in the state capital and the Metropolitan Region, which affected from residents to business operations. In the business context, the scenario opens gaps so that companies are vulnerable to attacks and fraud, lose sales revenue and, above all, become incommunicado with customers. If this crisis happened during Black Friday, the potential for business losses would be great.

“Unfortunately, natural disasters are more frequent, whether they are smaller, such as blackouts, or more serious, such as floods. It is essential that companies have contingency strategies to avoid these negative effects, especially near important commercial dates”, reinforces Eduardo Daghum, CEO and founder of Horus Group, leader in security services and fraud prevention. 

He explains that the ideal is to have operational centers located more than 100 km from each other, in order to avoid relying only on one, which may be in a region in crisis.“Decentralizing the location of our operations, for example, has been one of our strategies to avoid further damage. It is not just a recommendation, but a need to ensure the continuity of services even in times of crisis, leaving partners and customers in the ACHR hand.

Companies that do not turn their gaze to an organization of the modus operandi in case of crises caused by climate change, they may suffer major financial losses and affect what matters most, which is the positive customer experience. Frauds are common in times of vulnerability and affect websites, e-commerce and various systems, such as credit card scams, account hacking and chargeback (resource used when the holder disputes a transaction directly with the card issuer).

Prevention and investment in skilled teams and technological resources should be a priority in both B2B and B2C businesses.“A good anti-fraud strategy in times of crisis is the performance of a good team of analysts, who, with their human eyes, together with technology tools, can monitor, predict and act against the” attacks, adds the CEO of Horus Group.

Acceleration program for startups will boost business and reward with up to R$ 150 thousand initiatives for access to credit and financial health

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Acceleration program for startups will boost business and reward with up to R$ 150 thousand initiatives for access to credit and financial health

Due to the success of the first edition, which boosted financial health solutions for 6 startups, Serasa Experian, the market leader datatech, has opened new registrations for the second wave of “Impulsiona Startups”, an acceleration program that seeks to scale positive social impact through business and innovative solutions. Registration is only until November 17, so this is the last week to apply for link and participate.

The ESG initiative of datatech, which has Ace Cortex as a partner, will select eight Brazilian startups, which will undergo an advisory journey of up to 6 months, including also equity free investment for solution development and the possibility of using Serasa services and products free of charge.

The program will be divided into 2 phases. In the first, the objective is to provide the development of prototypes or the evolution of existing solutions, that is, short-term projects, which show the potential and scalability of entrepreneurs.

After this first phase, four startups will be chosen based on the best projects and results to go through 4 months of acceleration with Ace Cortex specialists, executive mentors of Serasa Experian, in addition to receiving an equity free investment & & & & & & & & & & & & & & & & & & & & & % equity free investment that does not require corporate obligation. To stay on top of this website. Registrations can be made until November 17th via the link:

https://www.serasaexperian.com.br/impulsiona-startups

Startups from various segments with maturity in validation or traction stage and with solutions that fit the following focuses can participate in the Initiative:

· New ways to grant credit.

· Access to credit for SMEs.

· Support to super-indebted.

· Reduction of default.

According to the head of Sustainability & ESG of Serasa Experian, Paulo Gustavo Gomes, “we want to continue scaling the reach of our positive social impact through startups and entrepreneurs who, like us, want to create a better future through their proposals and innovative solutions. Often these businesses only need momentum to reach more Brazilians.,

ACE Cortex, a partner of the program and one of the most renowned innovation consultancies in Latin America, will guide startups during the Boost Startups, offering each one, in a customized way, diagnostics, analysis, guidance, mentoring and support in the implementation of growth techniques.

“Essa is a relevant initiative for the innovation ecosystem that is aligned with the commitment to promote access to credit, reduce default and support innovative and scalable solutions with social impact.We share the commitment to transform the market and believe in the power of innovation to solve the biggest financial challenges faced by Brazilians. For this, we will use our expertise in acceleration to guide selected startups, offering personalized support, from deep diagnostics to practical mentoring. Together with Serasa Experian we have the goal of creating a more inclusive and financially healthy future for the country”, comments Milena Fonseca, CEO of ACEx.

The acceleration program created by Serasa Experian, which is now in the second edition, boosted six startups in its first round. The accelerated ones, which represented the states of Sao Paulo, Distrito Federal, Parana, Pernambuco and Rio de Janeiro identified relevant results on the improvement in the indicators of public outreach and revenue, for example.

What will this new journey of Boost startups look like?

With the end of the registration period and the selection process that will select the eight participating startups, the companies will win the first equity free investment, of R$ 30 thousand, which must be used, for two months, for the development of a prototype. With this, four of the best proposals will be selected and will go through the acceleration process, which has individual mentoring, workshops, free access to Serasa Experian products and a new equity free investment, this of R$ 120 thousand, for business scalability.

Sign up: https://www.serasaexperian.com.br/impulsiona-startups

Companies need to prepare attendance for Black Friday heated in 2024

Deivis Romeiro dos Santos
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Companies need to prepare attendance for Black Friday heated in 2024

Black Friday is one of the biggest shopping events of the year, providing consumers with the opportunity to purchase products and services at promotional prices. In Brazil, the date has gained increasing relevance, moving billions of reais and attracting millions of consumers. Although last year the Brazilian trade has suffered retraction 2023, Brazil had its second worst Black Friday in history 'the expectation is for a better performance for this year.

According to a recent Google survey, at least 62% of Brazilians intend to make some purchase of products or services. At least 76% of consumers intend to buy electronics; another 59% are interested in fashion, while 44% will seek offers related to beauty and personal care.Items for home are on the 41% list of people who intend to enjoy Black Friday this year.

And, just as in its country of origin, Brazilian Black Friday happens much more in online retail than in physical IO even if last year the performance was not expected, online commerce registered a high of 15% in online sales turnover compared to 2022, with an average ticket of R$ 676 per customer, according to data from the Brazilian Electronic Commerce Association (Abcomm). Already physical trade recorded a high of only 4%, according to Fecomercio.

Given this scenario, it is important that retailers prepare to serve the online customer IO with agility and quality, ensuring that the experience on date does not subtract points from the company's reputation against the consumer.

CX could be a surprise factor for Black Friday in 2024

During high volume shopping events like Black Friday, customer experience (CX, for its acronym in English) becomes even more crucial. Several studies point out that a good customer experience can increase loyalty, brand value and, consequently, sales. WhatsApp and email remain the preferred channels of consumers to receive offers & Instagram, which is well used by retail SMEs.

Another channel that has had a huge growth in Brazil is RCS, or SMS of the future, which has had a growth of 358% worldwide.With technology ensuring the security of SMS at its source, text messages can also be leveraged for the delivery of personalized offers.

In online, the most important thing is to ensure that the consumer has an agile and omnichannel experience, no matter at what point of the journey is or what your channel of origin. This means having service channels that work with the same agility 'it is no use having a telesales if the customer service queue will cause the customer to give up the purchase, or a WhatsApp that does not offer the answers at the time of contact. Therefore, it is to strengthen and train the team during the promotion period 'S NOT just one day ' but that extends for two weeks or the entire month of November 's 'to ensure that the customer's abandonment experience is not the reason of the cart is essential.

In addition to the team, of course, offer self-service options with chatbots and intelligent IVRs, which defy human service, and offer quick resolutions to the most common customer questions. Some Brazilian companies, including, offered automated and human service 24×7 during the period 24×7 after all, there are many offers and promotions that are served during the night.

Personalization is also a strategy that can bring more conversions with offers and recommendations created from consumer browsing behavior and their purchase history. Artificial intelligence tools can provide a more relevant and satisfying shopping experience for the consumer, as well as trigger offers for customer communication channels at relevant times in their buying journey.

Infrastructure needs to be ready

Of course, having a service ready for demand is a key factor since the infrastructure and logistics processes are not a bottleneck, otherwise you will offer your customer an excellent complaints channel. Therefore, ensuring that the technological infrastructure meets the demand is an essential item to ensure a successful purchase journey.

Also within this theme, it is necessary to strengthen the logistics infrastructure so that it is possible to flow the demand of the period IO without delays in the promised deadlines, and with guaranteed delivery even in more remote locations. Capillarity in delivery, and a well-distributed network must ensure that there are no operational bottlenecks.

Finally, price transparency is essential. According to Google, the search for the desired items on Black Friday by consumers began in July 2 I.E., more than ever customers monitor prices and discounts to know if the store really offers a good offer. In addition, several sites also monitor prices, reporting pricing practices that did not reflect real discounts. 

It is important to remember that Black Friday is not only a sales opportunity, but also a chance to strengthen the relationship with customers. After all, a positive shopping experience is the real surprise factor that can turn occasional customers into repeat buyers.

Learn how to maintain site infrastructure during Black Friday, Cyber Monday, and Christmas

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Learn how to maintain site infrastructure during Black Friday, Cyber Monday, and Christmas

Rising demand during Black Friday is a valuable opportunity for businesses, but it can also pose significant challenges for data center infrastructure, cloud workloads and cybersecurity.

According to the LWSA Black Friday 2024 Shopping Intention Survey, consumers are preparing ahead of time and consider retailers' digital channels as the primary source of deals research.

According to the survey, 57% of respondents point to the websites and social networks of companies as the main way to obtain information about discounts. Other means used include profiles on social networks focused on promotions (24%), promotional emails (37%), price comparison sites (25%), groups on WhatsApp focused on discounts (20%), digital influencers (18%) and informative WhatsApp stores (17%).

Therefore, early preparation is critical to ensure a positive experience for customers during Black Friday, Cyber Monday and Christmas, protect the reputation of the company and, above all, avoid the loss of business and sales.In addition, having reliable partners and suppliers in the technology area can be an important advantage.

Preparing the site infrastructure for high-demand events such as Black Friday and Christmas is essential not only to ensure a positive experience for customers, but also to protect the company's reputation.Measures such as verifying the SSL certificate, keeping the hosting up to date and ensuring that the site is responsive can make all the difference when it comes to winning and maintaining consumer trust; says Livia Lampert, executive manager at KingHost, an LWSA company.

To prevent problems with infrastructure, the executive comments some points of attention during periods of increased demand. Here are some specific measures that companies can adopt:

  1. Check the SSL Certificate of your website

One of the biggest objections people have to not make online purchases on Black Friday is about data security, especially banking.

Therefore, it is essential that you offer all possible security measures on your site. One of the main points you need to pay attention to is the SSL security certificate of the site.

  1. Check out the renewal of your domain

Nothing more frustrating than preparing your entire company for Black Friday and not being able to participate because the domain of your site has not been renewed, is not it?

To avoid this, make sure that the expiration date of your domain registration does not coincide with the Black Friday period. You can check this information through Whois, which will show all the data of the domain.

  1. Keep your website hosting up to date

Just like domain registration, your website hosting plan also needs attention during this period.Make sure your plan payments are up to date to prevent your site from going offline on Black Friday week.

  1. Check the site for pages with errors

It is disappointing for a visitor to your site to click on a product page that they liked and find out that it is down. 

To avoid this type of situation, a few days before Black Friday perform a search on the pages of your site to find pages with error. If you need, make redirects on pages that no longer exist or make adjustments to put them back on the air.

Also, if you have Google Search Console installed on your site, it's worth checking out the error reporting page to more easily find the pages that are having problems.

  1. Have a responsive website

It is not new to anyone that mobile devices are already one of the main responsible for online shopping in Brazil. Therefore, it is essential that your site is responsive, that is, when accessed on smartphones it adapts and allows navigation to occur smoothly.

  1. Prepare your site for increased access

It is very important that your site infrastructure is prepared for increased access during the Black Friday period. If your hosting plan limits the amount of simultaneous access, it is worth increasing resources in this period.

But if it is hosted in a cloud structure, it may be interesting to scale the server resources.

By implementing these measures, companies will be better prepared to handle the increased demand during events like Black Friday, ensuring a positive customer experience and protecting the integrity of systems and data.

Black Friday is 15 times higher than Consumer Week in search volume, study finds

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Black Friday is 15 times higher than Consumer Week in search volume, study finds

Black Friday, known for offering big discounts and attracting millions of consumers in search of must-see deals, continues to dominate internet searches, compared to Consumer Week.Although Consumer Week is gaining popularity, a recent Conversion Agency study reveals that Black Friday is still the most sought-after date in search tools.

Consumer Week was created to celebrate consumer rights and promote a fair relationship between companies and consumers. Inspired by Consumer Day, which originated in the United States, on March 15, 1962, the date turned into a whole week of promotions and discounts around the world. The best promotions for 2024 are in the electronics, decoration and home appliances sectors, in widely sought-after products, such as smart tv, and attracts consumers in both physical and virtual stores.

However, despite the growth of Consumer Week, the survey data show a significant difference compared to Black Friday, one of the most important dates of trade worldwide. According to the Conversion Agency study in Brazil, the last Consumer Week in March 2024 generated a total of 241,607 searches on the internet. Already the last Black Friday recorded in November 2023, an impressive 3,592,109 searches.

Black Friday, held last Friday in November, has its roots in the United States and has become a crucial date for global trade.In Brazil, it began in 2010 and quickly gained popularity. Consumers are eagerly waiting for this date, as it offers the opportunity to purchase desired products, ranging from home appliances such as microwaves, to technological products such as a notebook. With significant discounts, the date usually anticipates holiday shopping.

Black Friday Advantages

The expressiveness of Black Friday in searches reflects its importance in the commercial calendar. This date is marked by lightning promotions and limited stocks, which leads consumers to do previous research to ensure the best offers and prevent fraud. In addition, the term “Black Friday” has become synonymous with great shopping opportunities, attracting both consumers and retailers.

Advantages include:

  • Significant discounts: Many stores offer significant discounts, often between 20% and 50%.
  • Anticipation of year-end purchases: The ideal time to buy Christmas gifts, or even a Christmas tree, with lower prices.
  • Variety of products: From electronics to clothing, furniture and home items.

The popularity of this date can also be attributed to the wide variety of discounted products.Promotions fall into categories such as fashion, technology and household appliances, making the date stand out as the ideal time for Christmas shopping and other desired items.

Despite the growing success of Consumer Week, it is clear that Black Friday still has significant power in search tools and in the mind of the consumer.The difference in search volume not only gives rise to a preference for Friday promotions, but also reflects its popularity, established more than two decades in the country.

In summary, while Consumer Week consolidates itself as an important date for promotions and discounts, Black Friday maintains its prominent place, being widely sought and awaited by consumers.The expectation is that both dates continue to grow and complement each other in the commercial calendar, offering consumers several opportunities to take advantage of great offers and discounts.

With the approach of Black Friday, retailers and consumers are preparing for another shopping event that promises to be great, reinforcing the idea that, in the Brazilian commercial scenario, it is still the most sought after date in searches and sales.

ANPD accuses TikTok of irregular processing of data on minors

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ANPD accuses TikTok of irregular processing of data on minors

The National Data Protection Authority (ANPD) has ordered TikTok to make changes to better protect the data of children and adolescents. The decision results from a surveillance process started in 2021, which moves to a new stage with the measures released on Monday.

 The ANPD calls for the end of “feed without registration”, allowing the use of the platform only with age verification, and the strengthening of the mechanisms of verification and deletion of accounts. TikTok has 10 working days to deactivate the feed without registration and 20 working days to implement the other measures. If it does not comply with the determinations, TikTok may face fines and new actions of the ANPD.

“In the LGPD, the processing of personal data of children and adolescents must have the consent of a legal representative for children under 18 years of age. In addition, Brazilian Law does not overlap with the Statute of Children and Adolescents, the same occurs in other countries that have their own legislation regarding the rights of children and adolescents” explains Aline Deparis, CEO of Privacy Tools.

For Aline, protecting the privacy of children and adolescents is essential and as important as ensuring their physical safety.Born in a digital environment, one of the first challenges for parents and guardians is to provide an education for the safe use of the internet. “It is necessary to build trust so that our young people can safely enjoy the digital environment. This healthy development is fundamental so that both young people and their parents and guardians can have peace of mind in accessing the internet”, he concludes. 

5 Impacts of digital advertising in Latin America

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5 Impacts of digital advertising in Latin America

According to a Cenp study, R$ 57.5 billion were invested in media in 2023, an increase of 10% compared to the previous year. Mainly due to digital advertising, the data shows that the area is being increasingly closely looked at by Brazilian companies.

Bruno Almeida, CEO of us media, hub of media solutions, points out that this acceleration began to occur after the Covid-19 pandemic. “When digital became the main communication and marketing channel, many local companies began to adapt quickly to sustain continuous growth and innovate in their” strategies, he says.

Looking at this scenario, the executive listed the 5 largest impacts of digital advertising in Latin America. Check:

  • Cultural adaptation and flexibility

The cultural diversity of Latin America requires that digital advertising campaigns be culturally relevant and adapted to local preferences.For this reason, the adaptation of messages, images and even platforms to reflect the nuances of each country has begun to intensify, including working with regional partners and teams.

“Every successful advertising strategy depends on understanding the cultural values of each country”, says Almeida.“Many Latin American brands realized that they could only achieve this goal if they were flexible, allowing quick adjustments in response to changes in consumer habits and the environment in which they are inserted”, he adds.

  • Expressive returns in various sectors

Several different sectors have benefited significantly from digital advertising in Latin America. The CEO cites some examples: “O e-commerce has experienced explosive growth, driven by the ability of digital ads to connect consumers to products and services quickly and personalized. Already the entertainment market, such as music, movies and series, is also heated by the boom of digital video formats and CTV. Or we can talk about tourism and retail, which optimize the return of their campaigns with the targeting of specific audiences”, he says.

  • SME Growth

Another feature of digital advertising is the democratization of market access, allowing Small and Medium Enterprises (SMEs) to compete on an equal footing with large corporations.

“As SMEs adopt digital strategies, they are able to optimize their resources and reach consumers who, in theory, would be out of their reach”, he points out. 

  • Digital multimedia

Digital multimedia, that is, all channels are in one way or another digital, combining digital advertising with traditional media. This integration helps brands to achieve a stronger and consistent presence. 

Almeida exemplifies: “A digital campaign can be complemented by digital TV or radio ads, or by strategically positioned digital billboards/OOH, amplifying the impact and engagement of the target audience.”

  • Developing new technologies

According to the State of Marketing Report 2024, more than 60% of marketers intend to increase their investments in artificial intelligence. The number points out that the improvement of new technologies should continue to happen in the advertising market, including in Latin America. 

“New formats are emerging all the time, from global apps like Uber and Netflix to regional platforms, so innovation only tends to grow”, concludes Almeida.

"Digitization of many large and medium-sized Brazilian companies is incomplete," says platform founder.

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"Digitization of many large and medium-sized Brazilian companies is incomplete," says platform founder.

Economist Fernando Cymrot—a 2017 Forbes Under 30 honoree in the Business category—and business administrator Vinicius Dias began their entrepreneurial journey in their early twenties. Now, twelve years later, they're revolutionizing traditional e-commerce in Brazil, with their sights set on international expansion. The revolution they're bringing refers to the approach their 2012-founded company takes to propel the digital sales of large and medium-sized companies to exponential growth. CWS Platformwhich allows companies with complex sales processes to The English translation of "digitalizarem" depends heavily on the context. It could be: * **to digitalize (them/it/etc.)** - This is the most common and general translation. * **to digitize (them/it/etc.)** - Often a synonym for digitalize, but sometimes with a slight nuance. * **to digitalize/digitize** - If part of a list or a larger phrase, this would be appropriate. Please provide the sentence or paragraph containing "digitalizarem" so I can give a more precise and natural translation. 100% of your sales...has provided its clients with improvements in key performance indicators, such as increase of up to 30% in sales capacity and up to 4 percentage points in operating marginFor this year, the estimate is to exceed R$ achieved 1 billion in transaction volume from digital sales by its clients.

The company is expanding rapidly. For 2024, GMV is projected to grow by 300%. (Gross Merchandise Volume), and began its internationalization in Europe, starting with Germany, France, Italy, and Switzerland. With its proprietary 100% technology, the CWS Platform built a strong portfolio, serving over 50 Enterprise clients in diverse sectors such as agribusiness, automotive, and construction materials, including companies like Leo Madeiras and WürthThe company's know-how in digitalizing complex sales processes and its proprietary technology were fundamental to its rapid market ascent.

Thinking about digital sales only as e-commerce is an outdated mindset.

Unlike the traditional view of the e-commerce market, where the platform is seen as a new customer service channel, the CWS Platform takes a more profound approach. According to the company's approach, the digital platform is a cornerstone in digitizing companies' relationships with their customers, with the sales and service teams being the primary pillar in this process. Digitization of business processes fosters a closer customer relationship, integrating commercial, marketing, logistics, and financial departments.

According to Vinícius Dias, founder and CEO of the company, this combination allows for the optimization of steps that traditionally demand a great deal of time and effort from companies. It makes the sales process less operational and more strategic. "The digitalization of many Brazilian companies is incomplete, and they lose competitiveness every day because of it. Thinking of digital sales only as e-commerce is an outdated mindset that could cost an organization its life. It's not enough to gather Artificial Intelligence, data analysis automation, and other innovative technological solutions. In the CWS Platform, these solutions are integrated under a single software, enabling teams to know what's happening with sales and make the best business decisions swiftly," explains Dias.

The executive believes so strongly in the concept of unified sales that he dispenses with common market terms like omnichannel or multichannel. In his analysis, everything is part of the digital way of transacting, which makes sales teams less about "order takers" and more consultative, prepared for the new demands of complex sales journeys.

Being fully integrated into a single solution and featuring highly interactive tools, the CWS Platform software is capable of generating two-way data: seller-to-client and client-to-seller, with real-time suggestions for commercial actions, such as flexibility in offered trade conditions and remote support during sales. It also utilizes generative AI experimentation across various fronts, for example, improving product registration, providing predictive sales suggestions, and more.

A 12-year journey began with experience in the automotive sector.

Following a career in the financial market, initiated by Vinicius Dias and Fernando Cymrot, with stints at renowned companies like Goldman Sachs and JK Capital, respectively, their entrepreneurial journey began with the launch of Canal da Peça, the first specialized marketplace for the automotive sector. Recognizing the potential of digitalization to optimize the auto parts distribution chain, they developed a platform that facilitated the buying and selling of products, creating a more efficient and connected environment.

In 2016, major automotive brands, such as SKF and CofapSeeking customized portals to bring their brands closer to distributors and clients, they turned to the CWS Platform. This demand formed the basis for the company's evolution, which began offering solutions white-label (SaaS format), connecting distributor and retailer inventories directly with their customers. This strategy not only improved the user experience but also strengthened the relationship between brands and their partners.

When we conceived the CWS Platform in the beginning, we didn't want to serve just one market. It was designed to function across various industries, guaranteeing scalability to digitize absolutely 100% of companies' sales, adhering to international security standards and with a lower implementation cost. We were also born digital, which makes all the difference when it comes to operating our software, with solutions already prepared for this environment, without the need for add-ons and adaptations. The goal with the technology is to empower the sales team," completes Fernando Cymrot, founder and CFO.

The CWS Platform's business model has also attracted Investor attention, resulting in three investment rounds totaling R$1,746 million (or R$60 million).The last in 2020. This capital was crucial for expanding operations and improving platform technology.

Research reveals the main reasons that lead entrepreneurs to rent partners

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Research reveals the main reasons that lead entrepreneurs to rent partners

The dream of undertaking and having their own business is the goal of many Brazilians. However, the reality of entrepreneurship can be challenging, especially for those who are starting. According to a report by the Federal Government, 2,153,840 companies closed in Brazil in 2023. Given this scenario, many managers seek the help of a rental partner to overcome difficulties and leverage business. A survey conducted by Runb, a company specializing in rental partners, revealed the main reasons that lead executives to opt for this partnership model.

According to the study, growth in sales is the main pain of entrepreneurs in general, being pointed out by 38,28% of respondents as one of the main problems.Then, 19,14% highlighted marketing as a complication, while 10,53% pointed out that financial organization is a challenge in business.

By analyzing the specific scenario of companies that earn more than R$ 100 thousand per year, sales growth remains the main reason for 63,64% of participants to seek a rental partner, followed by marketing, pointed out by 36,36% of respondents. The financial organization, as well as the definition of metrics and indicators, was highlighted by 27,27%.

Among businesses that are starting, 57,69% of participants selected sales growth as one of the most important challenges, followed by marketing, according to 23,08% of respondents, and financial organization, mentioned by 19,23% of entrepreneurs.

“These data reveal the recognition of entrepreneurs about the importance of a rental partner to face the barriers of corporate daily life.Growth in sales is a constant concern for entrepreneurs, and having a strategic partner can be the key to overcoming challenges and achieving” success, he highlights Lana Wigand, marketing and communication specialist, CMO and founding partner of Runb.

The survey also pointed out that issues such as the organization of processes or product development are less prominent among the difficulties of entrepreneurs, which raises questions about the perception of the market in relation to the growth of companies, without considering whether what is being sold is really relevant. “The lack of votes in some options is also an important indication of the focus that some managers need to have to ensure competitiveness in the market” comments Wigand.

Research reveals that 70% consumers stopped buying again at a location due to a negative shopping experience

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Research reveals that 70% consumers stopped buying again at a location due to a negative shopping experience

The PagBank, a full digital bank in financial services and payment methods, elected the best corporate account by the iDinheiro portal and one of the leading digital banks in Brazil, has launched PagFriday, with offers that will be available throughout the month of November. Known for being one of the most anticipated dates in commerce, Black Friday 2024 will be on November 29, but at PagBank, the advantages are for the entire month.

Among the main offers are: the exclusive discount of 88% on the purchase of the "Maquininha Pro" and cashback of 3% on the card multiple bill and on various products and services offered by PagBank. "Black Friday is a very important period to boost the growth of Businesses, and for the PagBank customer, we made sure to provide even more advantages, offering solutions that will really make a difference. These initiatives reinforce our Tagline --- Note: The term "tagline" is already in English and does not require translation. It refers to a memorable phrase or sentence that encapsulates the essence of a brand, product, or campaign."PagBank, your money earns more," comments Raphael Farias, Director of Marketing, Communication, and CRM at PagBank. Check below for the main actions of the Black Friday PagBank 2024:

Unmissable discount on the Maquininha Pro --- Here's a detailed breakdown of the translation: - "Desconto imperdível" translates to "Unmissable discount." The word "imperdível" means something that cannot be missed or is too good to pass up, which is accurately conveyed in English as "unmissable." - "na" translates to "on." It is a preposition that indicates the subject of the discount. - "Maquininha Pro" is a proper noun and likely refers to a specific product. In English, proper nouns are typically not translated, so "Maquininha Pro" remains the same. The translation maintains the original tone and context, ensuring that the message is clear and engaging for English-speaking audiences. – For merchants and freelancers, PagBank is offering the "Maquininha Pro" with an unbeatable discount. From 12 installments of R$$ 69.90, the card machine can now be purchased for just 12 installments of R$$ 8.33, a discount of 88%, making it the best offer in the market for merchants seeking an efficient payment receipt solution.

Cashback of 3% from the PagBank Multi Card bill – During the Black Friday period, PagBank customers who request the Multiple Card to be used in the credit function will secure 3% of cashback on the first invoice, an exclusive advantage for those looking to save money and maximize benefits on all their purchases during the most advantageous period of the year. It is worth remembering that the Multiple Card combines credit and debit functions in a single product and can be requested by new PagBank customers and existing ones who do not yet have the card in the credit function.

Advance FGTS Withdrawal with Cashback of up to R$1,400 – During the month of November, PagBank customers who make an advance withdrawal of FGTS funds above R$400 will receive a cashback proportional to the amount withdrawn. For advances between R$400.00 and R$500.99, the customer earns R$20 in cashback; between R$501 and R$899.99, the cashback will be R$30; and for amounts above R$900, the customer receives R$40 in cashback. The amount will be credited to the PagBank Savings Account within 20 days of the contract, (provided the contract has not been canceled) and can be used to pay bills, top up mobile phones, among other things..

Loan with INSS Assignment with 5% Cashback – Retirees and pensioners of the INSS can take advantage of a special offer during the month of November. By taking out a payroll loan through PagBank, they will receive 5% cashback on the net amount credited directly to their Savings Account. The loan can be contracted in a practical and quick way through the PagBank app or via the Telesales service.

Cashback for Variable Income asset transfer – Customers who request the transfer of custody of their Variable Income assets (totaling at least R$1,000.00) to PagBank throughout the month of November, will receive a cashback of 11% limited to R$400.00. With the transfer of assets, the customer will also enjoy benefits such as: better management of their investments by having them all centralized in the same place, services in the same app, a complete portfolio of products, research content on the financial market, and a free advisory service.

Life and Home Insurances with cashback up to R$40 – For customers who take out Life or Home insurance from November 18th to December 18th, they will receive cashback according to the plan they have contracted. For Life insurance, the customer will receive R$ 15 cashback for the Bronze plan, R$ 20 cashback for the Silver plan, and R$ 40 cashback for those who take out the Gold plan. For Home insurance, the cashback will be R$ 10 for the Bronze plan, R$ 15 for the Silver plan, and R$ 30 for the Gold plan.

In addition to all these benefits, PagBank reinforces to the customer the importance of doubling security when making purchases during Black Friday. "An important tip is to use the "Secure Wi-Fi" feature of the PagBank app"With it, our customers can define which Wi-Fi networks are safe for their transactions and, when leaving home, set daily value limits. This way, when using public or unknown networks, their accounts will be protected, minimizing risks in untrusted environments," the executive concludes. To learn how to activate, click here.

One of the largest digital banks in the country in number of customers, PagBank offers tools for face-to-face and online sales, complete digital account for individuals and legal entities, automatic investment and CDBs certified with brAAA rating by S&P and AAA.br rating by Moody’s, with a yield of up to 130% of the CDI – with redemption at any time and investments by objectives, in addition to functionalities that contribute to financial management, such as Payroll. At PagBank, the credit card has a guaranteed limit and investments become a limit for the card itself, enhancing customer gains.

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