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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

November surpasses Black Friday's "D-Day" in e-commerce.

The 2025 Black Friday season has established a new pattern in Brazilian e-commerce: sales remain strong at the peak, but the most significant performance occurs throughout November. Brazilian e-commerce reached over R$ 10 billion in online sales on Black Friday 2025 (between November 28th and December 1st), according to data from Confi Neotrust. Abiacom (Brazilian Association of Artificial Intelligence and E-commerce) projected growth of 14.74% over 2024, with revenue exceeding R$ 13 billion, however, sales did not consolidate solely on the last weekend of the month.

“Black Friday has evolved into a strategic milestone on the digital retail calendar. Consumers are more intentional, informed, and prepared to buy — and retailers have responded with more robust experiences, better personalization, and omnichannel communication,” says Fernando Mansano , president of ABIACOM.

Black November generated over R$ 30 billion between November 1st and 23rd, proving the strength of extended campaigns. Edrone's clients in Brazil who took advantage of early promotions generated R$ 187,592,385 — a 61% increase compared to 2024 — while order volume increased by 60%. Black Week, in turn, maintained its leading role and recorded results 128% higher than an average week in 2025, with the Health & Beauty segment standing out, performing four times above its usual volume. In November, sales through automation and newsletters impacted 11% of e-commerce sales, boosting approximately R$ 21 million in additional revenue for the month, with 8% via SMS and 6% via WhatsApp.

The rise of multichannel communication is a trend for higher conversions. Email remains a pillar due to its reach and scale, but SMS and WhatsApp have gained relevance as a "boost" during critical moments, when urgency and renewed intent make a difference. An example of this combination is Muzazen , an e-commerce company specializing in semi-precious jewelry, which structured an automated strategy with email, SMS, and WhatsApp to recover abandoned shopping carts, re-engage its customer base, and sustain communication during peak periods. During this period, the brand generated over R$ 34,000 in revenue from automations , in addition to over R$ 9,000 via newsletter , with greater traction in instant channels: R$ 15,199.55 in SMS and R$ 14,204.22 in WhatsApp .

“Edrone helped a lot! We managed to recover several clients who were inactive, and this was directly reflected in our revenue, especially on Black Friday, when we had a very significant increase,” says Isabel Albach , founding partner of Muzazen.

Data suggests that, by 2026, winning in November should depend less on "one action a day" and more on continuous execution: extended calendar, automation, and integrated communication — with email sustaining volume and SMS and WhatsApp accelerating conversions when the customer is most likely to decide.

Black Friday 2025: revenue grows 12% and Pix usage skyrockets 56%, according to a survey by TOTVS.

Black Friday continues to prove its relevance to national retail, and 2025 was no different. A survey conducted by TOTVS through the VarejOnline by TOTVS platform indicates a 12% growth in retailers' revenue during Black Friday, compared to 2024. The data, which analyzed the performance of thousands of the system's clients throughout Brazil, demonstrates not only consumer confidence but also a strategic maturity on the part of retailers.

The star of this date in 2025 was sales via Pix, which showed a significant increase of 56% compared to 2024. Credit cards remain a strong pillar, also showing solid growth of 27%. In contrast, the use of cash suffered a 12% drop, signaling a clear and definitive transition to digital.

The survey by the VarejOnline platform by TOTVS details that sales volume and average ticket price grew by 5%, while the discount offered by retailers increased by 14%. This combination indicates more cautious consumer behavior, who already know how to identify seasonal promotions, but still avoid excessive purchases.

The date, once seen as a simple opportunity to clear out inventory, is now one of the most anticipated and planned events of the year. "This year's numbers show not only that Black Friday has definitively won over Brazilians, but also that retailers have learned to prepare strategically," analyzes Elói Assis, Executive Director for Retail at TOTVS.

Intelipost surpasses 92 million freight quotes on Black Friday and grows 114% compared to 2024.

Intelipost, a company specializing in logistics intelligence, recorded an explosive growth of 114% in the volume of freight quotes during Black Friday 2025, compared to the same period of the previous year. On Friday alone (November 28th), 92,296,214 quotes were made, equivalent to 64,095 quotes per minute, consolidating the date as the highest peak in logistics demand of the year.

On the same day, the GMV (Gross Merchandise Volume) transacted from operations monitored by the platform totaled R$ 541,509,657.47, reinforcing the importance of the date for Brazilian digital retail. 

“The 2025 volume shows how logistics has become a decisive factor for conversion in e-commerce. Black Friday is already, in practice, the biggest stress test for the country's logistics infrastructure,” says Ross Saario, CEO of Intelipost.

Free shipping has become a key competitive advantage in high-turnover categories, particularly in Retail (91%) , Books & Magazines (76%) , and Automotive (66%). Meanwhile, the Northeast region had the cheapest shipping routes in the country , with an average shipping cost of R$ 5.52 to the Southeast , while the highest cost was recorded between the North and Central-West regions (R$ 42.50) .

Among the highest average ticket prices for the period , Industry (R$ 3,335) , Electronics (R$ 1,841) , and Construction and Tools (R$ 1,594) . Toys and Games also stood out, driven by the proximity of Christmas.

Porsche 911 leads sales among cars priced above R$1 million through OLX.

A survey by Data OLX Autos , the automotive intelligence source of the OLX Group, shows that the Porsche 911 is the best-selling model through the platform in the luxury car category, with a value exceeding R$1 million. The study evaluated the performance of premium models over the last twelve months, up to September. The Porsche Cayenne occupies second place, followed by the Chevrolet Corvette.

The 911 is also the leader among the most sought-after cars starting at R$1 million. The Corvette occupies second place, and the Nissan GT-R, third.

Porsche is the automotive brand with the most cars advertised on the platform starting at R$1 million . Chevrolet comes in second place, followed by Mercedes-Benz.

Cars starting from R$ 250,000

Data from OLX Autos shows that the Toyota Hilux leads the list of best-selling vehicles priced from R$ 250,000 upwards over the last twelve months, up to September. The Ford Ranger is in second place, followed by the BMW 320iA.

The Hilux is also the most sought-after vehicle , followed by the Ranger in second place, and the Range Rover in third.

“It’s interesting to note that the Porsche 911, a timeless icon, maintains its leadership in both sales and demand in the ultra-premium segment. In the R$250,000 range, we see the dominance of pickup trucks, with the Hilux and Ranger occupying the top two positions, reflecting the Brazilian preference for versatile and robust vehicles,” says Flávio Passos, VP of Autos at Grupo OLX. “With a portfolio of over 800,000 vehicles, OLX offers options for all styles, from those who dream of their first premium model to those who already have a passion for high performance,” he adds.

Toyota leads among the most advertised brands starting at 250,000, followed by BMW and Porsche, respectively.

How to buy and sell a vehicle online safely.

  • If you are buying, negotiate directly with the vehicle owner or authorized seller; if you are selling, negotiate with the buyer directly. Avoid negotiating with third parties, such as relatives, friends, or acquaintances, and be wary of intermediaries.
  • Always schedule a visit to see the vehicle in person before closing the deal, and prefer busy locations such as shopping mall and supermarket parking lots. Ideally, go accompanied and during the day.
  • Before finalizing the deal, request a Pre-Purchase Inspection from a company accredited by the Department of Motor Vehicles (Detran) and go with the car owner to have the inspection done;
  • If the offer comes from used car dealerships, don't forget to check the company's registration number (CNPJ) and the legality of its operation.
  • Make the payment only to an account in the name of the vehicle owner and, before depositing, verify the details directly with the owner;
  • Confirm the bank account details where the vehicle payment should be deposited;
  • Seller and buyer must go to the notary's office together to complete the transfer, and payment should only be made once the transaction is finalized at the notary's office.
  • Only hand over the vehicle after the documents have been transferred and the payment has been confirmed.

Brazilian postal service Correios could face losses of up to R$23 billion, putting the 2026 federal budget on alert, says expert.

The Brazilian postal service, Correios, is facing one of the biggest financial crises in its history, marked by falling revenues, increased costs, and a loss of market share in the parcel delivery sector, which has declined from 51% to 25% in recent years, resulting in an estimated deficit of R$ 10 billion in 2025. The state-owned company could compromise the federal budget in 2026, with projected losses of up to R$ 23 billion if its restructuring plan does not progress as expected. The need to balance the books had already led the company to seek loans from public and private banks earlier this year.

Recently, the institution suspended the contracting of a R$ 20 billion loan from five financial companies due to the high cost of the operation. The National Treasury informed that it would not grant sovereign guarantees for a credit line whose interest rate exceeded the ceiling defined by the agency. The proposal, approved by the company's board of directors on November 29, would be contracted with a syndicate formed by Banco do Brasil, Citibank, BTG Pactual, ABC Brasil, and Safra.

According to Paulo Bittencourt , chief strategist at MZM Wealth , a financial consultancy specializing in financial planning and investments , the situation of the Brazilian postal service (Correios) reflects recurring structural challenges in Brazilian state-owned companies. "The company has been accumulating deficits for years, and the need for loans already indicates that the financial imbalance is profound. The shortfall directly affects the federal budget, generating budget cuts and putting pressure on other priority areas of the government," he states.

According to the Brazilian postal service's recovery plan, restructuring could reduce the deficit as early as 2026 and allow a return to profitability in 2027. The company estimates that approximately R$ 20 billion will be needed to support strategic measures and restore financial balance, including operational adjustments, cost rationalization, and a thorough review of internal processes.

The impact of the situation is not limited to the state-owned company's numbers. According to the expert, high deficits in public companies can compromise the execution of public policies, increase government debt, and create risks for investors and suppliers who have contracts with the state-owned company. The reduction in market share and the need for additional working capital also highlight the urgency of reviewing the management and operating models of the postal service.

According to Paulo Bittencourt , even with the full implementation of the restructuring plan, the return to profitability depends on fiscal discipline and continuous monitoring of the measures adopted. "The evolution of revenues, operational efficiency, and the ability to reduce costs will be determining factors in preventing the deficit from continuing to pressure the federal budget in 2026," he concludes.

Discounted purchases increased by 30% at Giuliana Flores.

The adoption of strategic discounts has proven to be a significant driver of growth for Giuliana Flores, without compromising the premium . Research conducted by the company indicates that, between March and November 2025, discounted purchases grew by 30% compared to the previous year, driven primarily by seasonal dates such as Mother's Day and Valentine's Day. This trend was also reinforced by the expansion of physical stores and kiosks, which amplified the effect of combined promotions between stores and digital channels. The result reflects a model based on careful product curation for promotions, exclusive coupons, and an omnichannel , which strengthened categories of items such as combos, special baskets, and mid-priced arrangements, ranging from R$140 to R$220.

When broken down by product type, the discounts had the greatest impact on categories already established in the company's portfolio. Premium remained the main highlight, while kits and combos, which combine flowers with chocolates, wines, or plush toys, saw strong demand. Special baskets, romantic collections, and mid-priced arrangements also emerged as among the most sought-after items.

Regarding channels, the website maintained the highest conversion volume, but the app showed the fastest growth, driven by exclusive coupons. Social media gained traction with influencer campaigns, while WhatsApp showed strong performance among consumers over 40.

The research also indicates that discounts contributed to strengthening customer loyalty. Consumers aged 25 to 44 who took advantage of coupons on peak demand dates, such as Mother's Day and Valentine's Day, registered the highest repurchase rates in the following months, especially through the app and email marketing campaigns. Another relevant behavior came from customers who enter through promotional combo deals: this group, attracted by kits and baskets with good cost-benefit, is the one that most often returns to give gifts again.

The promotions also revealed striking differences in consumer profiles. The 25-34 age group, more digitally savvy and highly responsive to coupons, led in participation, followed by the 35-44 age group, which recorded higher average purchase values ​​and strong conversion rates. From a geographical perspective, the Southeast and South regions concentrated the largest share of discounted purchases, with São Paulo, Rio de Janeiro, Paraná, and Santa Catarina standing out, while the Central-West region showed above-average growth during the analyzed period.

Gender-based behavior also drew attention. Women tend to use coupons in a planned way on holidays, spreading their purchases throughout the campaigns. Men, on the other hand, concentrate their purchases in moments of urgency, especially on romantic kits and premium , reinforcing the weight of last-minute promotions in the sector's performance.

The combination of profiles, habits, and seasonality helps explain why discounts, when applied strategically, continue to expand brand reach without destroying its premium . By targeting them intelligently and in a controlled manner, the company can attract new audiences, stimulate repeat purchases, and strengthen its presence in digital channels, while preserving the perceived value of its products.

FCamara demonstrates the impact of AI on retail efficiency and shares strategic tips.

Year-end sales continue to be a barometer of the digital maturity of retail, revealing the gap between companies that have evolved their strategies and those that still face structural and operational limitations. In an increasingly competitive market, investing in technology has ceased to be a trend and has become a basic requirement to guarantee performance, stability, and personalization at scale.

Artificial intelligence (AI) has taken on a central role in this advancement. When applied strategically, it allows for the identification of purchase intentions in real time, the adjustment of prices according to customer behavior, and the delivery of more relevant offers. Among the most transformative applications are dynamic pricing, guided suggestions, and search engines supported by LLM models. 

According to Alexsandro Monteiro, Head of Retail at FCamara, a Brazilian multinational technology and innovation company, this combination is redefining the buyer experience. “AI is eliminating the traditional funnel. The journey, which used to be linear, has become a continuous system where each click, search, or interaction feeds the next step and maximizes conversion,” he states.

In large consumer sector operations monitored by FCamara, the results are already tangible. In a dynamic pricing project, for example, a retailer began to predict price elasticity, stock depletion, and regional consumer behavior. Within a few months of implementation, it recorded a 3.1% increase in net margin on end-of-season collections – equivalent to R$ 48 million in one year. In another e-commerce operation, AI solutions accelerated platform development by 29%, increasing responsiveness during periods of high demand.

Based on these experiences, Monteiro highlights four pillars that explain why AI has established itself as crucial for increasing efficiency and profitability in the market:

  1. Contextual recommendations and increased average order value: models that interpret intent in real time are replacing traditional systems based solely on history. AI reads micro-signals, browsing patterns, and relationships between items, boosting discovery, expanding conversion, and increasing the average order value.
  1. Search with LLM and semantic understanding: search engines supported by language models understand what the audience means – not just what they type. Natural queries, such as "comfortable shoes for working all day," generate more accurate results, reducing friction and bringing the user closer to making a purchase.
  1. Conversational assistants focused on conversion and efficiency: AI-driven chatbots and co-pilots act as digital salespeople. They answer complex questions, suggest compatible products, offer sizes, and apply sales rules, while simultaneously reducing operational costs by relieving human customer service.
  1. The seamless and invisible journey: the integration of dynamic pricing, contextual recommendations, intelligent search, and conversational assistants creates a fluid ecosystem where each interaction feeds back into the next. The result is a continuous, targeted journey that is virtually imperceptible to the visitor.

According to Monteiro, these pillars show that AI has moved beyond being an operational accelerator and has established itself as a competitive differentiator for retail.

“As more companies mature their data and intelligence structures, more opportunities arise for sustained growth, efficiency gains, and the creation of much more precise shopping experiences – especially during critical periods such as end-of-year sales,” he adds.

"Evolution now depends on the ability of organizations to transform technology into practical decisions, connected to the business and focused on real results," concludes Monteiro.

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