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Efi Bank is elected best financial services company to work in Brazil

Efi Bank is the best company to work for in Brazil in the financial services category, according to Great Place To Work (GPTW). The company ranked first among the medium-sized in the 6th edition of the ranking of Financial Institutions, announced on Tuesday, September 24. 

Recognized worldwide, the ranking points out the best companies to work based on the analysis of aspects such as quality, organization and trust. “We are very proud to integrate this renowned ranking.And even more so because we know that the evaluation takes into account, with great weight, the opinion of our own employees. This shows how right our option is to put the health and well-being of our team always first in organizational decisions”, says Evil Paulo, CEO of Efi Bank, about certification.    

The initiatives that guarantee the first place in the GPTW ranking to the company go beyond career plan and possibility of internal growth. Two years ago, it adopts a week of 4 working days. In addition to the shortest week, the institution offers, as benefits to its employees, extended maternity and paternity leave (7 months and 1 month, respectively), and scholarships for languages, graduation and post, as well as educational scholarship for children up to 17 years of employees. They also integrate their package of benefits health and dental plans, life insurance and food and meal vouchers.  

With a talent retention rate of almost 90%, Efi currently has about 500 employees spread throughout the country. About 90% of them work in the home office mode. For this, they also receive state-of-the-art equipment (including computer with two monitors) and furniture and accessories meeting all the ergonomics requirements to work from their homes with the same conditions offered to colleagues who choose to work in person at their headquarters in Ouro Preto. 

The institution has also won, for two consecutive years, the GPTW title of 2nd best company to work in Minas Gerais. 

LinkedIn Top Startups 2024: meet the 20 startups in Brazil

LinkedIn, the largest professional social network in the world, has just launched the eighth edition of the Top Startups list, which recognizes the twenty companies that stood out the most in the last year in Brazil, based on analysis of exclusive data from the platform, guided by four main pillars: growth of employment opportunities, user engagement with the company and its employees, interest of market professionals for the available positions and attraction of the best talent. 

At a time of rapid change, these startups are adapting and reinventing their products and services and not only continue to find ways to grow amid uncertainty, but also demonstrate the potential to attract exceptional investment and talent.

The list of startups contemplated in the new 2024 edition, led by the LinkedIn News editorial team, helps professionals discover resilient companies in a wide range of sectors, such as financial services, benefits, technology, entertainment, among others. 

Guilherme Odri, editor-in-chief of LinkedIn News Brazil, says that “The startups contemplated in this year's edition were especially chosen because they are shaping the market on several fronts, especially fintechs, which continue to revolutionize financial services and occupy the top of the lists of the latest editions. In the field of technology, software development and IT consulting gain space as well, meeting the demand for digital transformation and operational efficiency. The health sector is also increasingly ahead of the transformation, with startups focused on optimizing patient care and experience. We can say that startups in Brazil are permeated by an innovation environment, highlighting the ability of these companies to adjust to market needs and lead the way to the future of the”.

Check out the list of Top Startups 2023: 

  1. Cashews financial services
  2. Nomad financial services
  3. Super Freight ^^^^^^^^ software development
  4. Eleven financial services
  5. Alice ''hospitals and health care
  6. Gringo io services and IT consulting
  7. Tenchi Security's 2 Security of computers and networks
  8. triggo.ai io services and IT consulting
  9. Alum financial services
  10. Food to Save io services and IT consulting
  11. WEpayments financial services
  12. Skeelos ''entertainment
  13. Nile ''hospitals and health care
  14. SplitC ^^^^^^^^ software development
  15. Faster 3 Of design
  16. NG Cash's financial services
  17. Lina financial services
  18. Mechanized 3 Of information
  19. Morare ^^ Business and services consultancy
  20. Principia financial services

More details on the full list can be found here

Methodology

LinkedIn evaluates startups based on growth and demand - two key attributes that are synonymous with successful startups.We analyzed unique LinkedIn data on four pillars:

  • Employment growth: Percentage increase in the number of employees over the methodology period, which should be at least 10%
  • Engagement: views and followers of non-employees of the company page on LinkedIn, as well as how many non-employees are viewing employees of this startup. 
  • Interest at work: the rate at which people view and apply for jobs at the company, including paid and unpaid jobs. 
  • Attracting top talent: how many employees the startup has recruited from any global LinkedIn company, as a percentage of the total startup workforce.

 The methodology was applied from july 1, 2023 to june 30, 2024. 

To qualify, companies must be private and independent, have 30 to 50 (or more) employees(as), have 7 (or less) years since the foundation and be based in the country of the list in which they appear. We exclude all contracting companies, “think tanks”, venture capital firms, law firms, IT consulting and management firms, nonprofit organizations and philanthropic, accelerator and state entities. Startups that have fired 10% (or 20% from the country) or more public statements depending on their methodology and philanthropic, are also based on the basis of work.

From Campina Grande to all Brazil: Love Gifts celebrates 10 years

Today, only 30% of companies can complete a decade of operation in Brazil, according to information from Sebrae. On the other hand, Love Gifts celebrates this significant achievement with a trajectory marked by growth and consolidation in the market of gift franchises and creative decorations. Founded in 2014 by Fabio Farias, the brand had its beginning as a store in Campina Grande, Paraiba and currently has more than 80 units throughout the country, establishing itself as a reference in its sector.

Love Gifts was created with the mission of offering a unique shopping experience, with original and creative products.“In the first months of operation, I realized that there was an opportunity to expand the business and reach more entrepreneurs. Thus, in 2016, we decided to start with the franchise”, comments Farias, CEO and founder of the network.

The success of Love Gifts is driven by its ability to innovate and adapt to market demands. Farias points out that the company has always been attentive to transformations and trends, which was fundamental to face challenges and grow in the last ten years. “The secret to staying in the industry for a decade is continuous innovation. We are always vigilant to changes and the needs of consumers”, says the entrepreneur.

As an expansion plan, Love Gifts intends to increase its presence in new regions of the country. “We are ready to continue growing, but always keeping the innovative spirit and close to our franchisees.They are the ones who take the essence of Love Gifts to every corner of Brazil”, Farias points out.

“We are in constant contact with our franchisees, closely following their journeys.In these 10 years, we have witnessed entrepreneurs who, with their franchises, have struggled and fulfilled their dreams. This is what motivates me, which drives me to always want more. As our slogan says, I may happiness become routine, that is our” purpose, says Fabio Farias.

OPL Logistics reduces closing time of business reports by using TARGIT Business Intelligence (BI) solution

OPL Logistica, a Bahian company specialized in transportation and storage of perishable products, reduced the closing time of commercial reports by integrating data from various business management systems (ERPs), creating a single source of information using a Business Intelligence (BI) solution from TARGIT, a company specialized in data analysis technology.

“Reports that were previously processed in several hours /days, can currently be completed in 30 minutes. This agility has allowed us to develop a data-driven culture and achieve positive impact in all areas, since real-time information has increased the operational efficiency”, says Leonardo da Hora, Manager of Technology and Quality at OPL Logistics.

“The project with TARGIT has been collaborating for the development and growth of OPL Logistics, which currently has a” Distribution Center, says Leonardo da Hora.

Scenery 

Founded in 2014 and headquartered in Vitoria da Conquista (BA), OPL Logistics operates with delivery throughout the State of Bahia, offering road transport services, distribution of goods, inventory organization and storage of products.  

By using a manual system for reporting, the company faced challenges of inconsistency and lack of reliability of data from various areas.Faced with this scenario, OPL Logistics decided that the effective management of a large volume of data requires advanced technology to centralize, analyze and obtain strategic information. After an analysis of the market, the company adopted the TARGIT Decision Suite solution, due to the recognition of TARGIT in the distribution and logistics sector.

Technology

TARGIT Decision Suite BI solution allows access to an integrated control panel, which facilitates collaboration between departments by saving time on operational processes and consequently saving time on executing business strategy. 

By using TARGIT Decision Suite, with guaranteed control and data governance, OPL Logistics becomes an example of how implementing a BI solution can benefit logistics operations through actionable insights, strategic and generation of Key Performance Indicators (KPIs)”, explains Allan Pires, CEO of TARGIT Brazil.

Benefits

In addition to the faster generation of business reports, other benefits of OPL Logistics were:

  • Productivity Automated generation of periodic reports has significantly increased productivity, as the reduction of the time required to monitor the sales flow has allowed professionals to dedicate themselves to strategic activities.
  • Improving decision making 360° view of business through in-depth analysis of real-time data allowed OPL Logistics to make more strategic and assertive decisions.

“TARGIT Decision Suite solution proved to be scalable, adapting to the growth of the company and allowing the inclusion of new data and functionalities according to our” demands, concludes Leonardo da Hora.

Profile brings in new partners and establishes itself as an agency specializing in sustainability and ESG communications.

Profile, a pioneer agency in communication for sustainability and ESG, is entering a new phase of expansion and consolidation of its positioning. After repositioning the operation for integrated communication with a focus on ESG and sustainability narratives, driven by the growing market potential, Profile strengthened its operation with the entry of new partners. The movement is through a strategic partnership with the digital agency Look&Feel, Brasilia, in a process of M&A (merger and acquisition) recently completed.

With this movement, Profile, a pioneer in certification as System B, now has a robust leadership team, composed of five new partners: Joao Pedro Costa (CFO/COO), Fernanda Hakme (Creation), Renato Amaral (Planning), Mariana Camardelli (Attendance) and Bernnardo Alencar (Commercial), in addition to CEO Rodrigo V. Cunha. The M&A has already happened in practice since the end of last year, when the capacity and seniority of the team was strengthened in a partnership with Look&Feel Now acting in the year we will be acting as a global.

Joao Pedro is excited to collaborate with the biggest brands in Brazil on the sustainability and ESG agenda. “Using our expertise to exclusively communicate projects that leave positive impact was an old dream of Look&Feel.The society with Profile turned this goal into a REALITY”, he says. 

Since the entry of Mercado Livre as a client in 2020, Profile has expanded its operations to integrated communication, carrying out projects of great impact with brands such as Itau, Ambev, Natura, CCR and Volks, among others.In addition, the agency has been institutionally supporting TEDxAmazonia since last year and is opening strategic offices in Belem and Manaus, reinforcing its operations in the North of the country.

Having a delivery app of its own puts big brands at the forefront of the industry

With the increasing demand for delivery services, large food networks are increasingly seeking alternatives to reduce dependence on third-party platforms such as iFood and Rappi. The creation of a delivery application itself ends up becoming a strategic solution for brands that want to have full control over their operations, logistics and, especially, in relation to the experience they provide to their customers.

During the pandemic, the delivery sector consolidated itself as a fundamental pillar to generate revenue for many companies. A survey by VR Benefits in partnership with the Locomotive Institute revealed that in 2021, 89% of establishments used delivery as the main sales strategy, reflecting an increase of 29% in relation to the pre-pandemic period. The delivery segment represented more than half of revenue for 56% of businesses, becoming a central piece in large network operations. In addition, the volume of spending on delivery in Brazil reached R14T, Service 20 billion, Service14020, GST201402 has reached a comparison of the Service 20.

Rafael Franco's, CEO of Alphacode, a company responsible for developing applications for brands such as Habibs, Madero and TV Band, highlights the advantages of investing in its own solution. “When creating an exclusive application, brands eliminate the high commissions charged by marketplaces, which directly impacts on the profitability of”, he says. For him, in addition, the company gains the ability to offer an interface aligned with the identity of the business, allowing exclusive promotions and personalized notifications that encourage repurchase and keep the customer engaged.

Advantages of own application

With their own app, large networks have direct access to their consumers' data, such as preferences and order history, which enables highly personalized communication.Marketing campaigns, loyalty programs and other engagement actions become more efficient when consumer data is under the control of the company, unlike third-party platforms, where information is limited.

“In addition to controlling the complete journey of the public, from navigation in the app to the moment of delivery, networks can offer segmented promotions, such as discounts by region, and manage their logistics with greater flexibility”, he adds that loyalty programs integrated into the app generate greater recurrence, creating a cycle of continuous engagement and strengthening the relationship of the brand with the consumer.

Strategic loyalty and brand control

A survey conducted by the QualiBest Institute in 2022 showed that 63% of consumers choose to physically visit a restaurant after trying it via delivery applications, showing the impact that a good delivery experience can have on customer loyalty. Own applications allow brands to offer an initial experience personalized enough to increase the likelihood of loyalty and positively influence the purchase decision.

The development of an own application is shown as an essential strategy for large networks that seek to improve profitability, control the consumer journey and customize the experience of the same. By reducing the dependence on intermediaries and directly control all stages of the process, these corporations generate greater competitiveness and can offer a superior service to competitors, meeting more assertively the expectations and needs of their consumers.

Even loyalty program points will be taxed!”, says New Tax Reform expert

The tax reform will lead to the increase of prices of almost 600 thousand items, between products and services, and will impact supplier companies framed in the Simples Nacional. In addition, the rate of Value Added Tax (VAT) dual (CBS) constituted by the Contribution on Goods and Services (CBS) and the Tax on Goods and Services (IBS) (IBS) can reach 30.3%, above the 26.5% so far disclosed.

The alert comes from tax lawyer Lucas Ribeiro, founder and CEO of ROIT, a company specialized in artificial intelligence applied to tax, accounting and financial management. Ribeiro highlights important points that, until then, went unnoticed.

The study presented by Ribeiro is based on a wide database of ROIT itself, specialized in serving companies from various economic activities framed mainly in the Real Profit regime, with ancillary obligations of the Public Digital Bookkeeping System (Sped), the Federal Revenue and tax documents. The information of 837 companies from all over the country were compiled, which together invoice R$ 470 billion a year.

The expert explains that the analysis of the impact of tax reform should carefully focus on the recalculation of the purchase prices of goods, services and other items not taxed today, such as the lending, the rental of movable and immovable property, the loans taken, among several others. “Up to the points of loyalty programs will be taxed!”, says the expert. 

The calculation needs to consider the taxes levied throughout the chain, so that only then insert the new taxes. From this recomposition it is possible to define the new sales prices, to ensure that the margin is not compromised with the new system. This is one of the reasons why a company can not be guided by the change in rates and need to pay attention to the change in prices, item by item, from now on. Ribeiro notes that, in many cases, companies are interpreting the tax reform in a wrong way, concerned about the rate, when they should be concerned about the calculation base, which will be much broader.

In this sense, the survey identifies almost 600 thousand items (584 thousand, to be exact) that will need to suffer an increase. These are products and services of the most varied types. Already by the Treasury, in order to avoid loss of collection, Ribeiro warns that it is impossible, under the conditions set, that the rate of dual VAT is in fact only 26.5%, considering the scenario of these companies analyzed.

“To understand the impact of the reform, we need to see the basis of collection. [And the complementary bill 68/2024] has 28 pages and more than 20 articles to define calculation of NEutrality’. It is complex to design this calculation, without being at risk of an extreme increase in revenue between 2027 and 2029.

Therefore, Ribeiro calls the VAT of the tax reform of “Ivao”, with characteristics that escape the concept of value added tax applied in the world.“It [VAT] identifies itself as simple, it says neutral and everything else, but it skips Carnival, it eats feijoada, bebe caipirinha.. It is a very different VAT, it is a very special VAT, it is a Brazilian VAT, and we have to take every care of it.”.

IMPACT ON COMPANIES IN THE NATIONAL SIMPLE

Another aspect that deserves care and has been neglected is the impact of tax reform on companies in Simples Nacional. This is because this segment is characterized as a supplier and customer of large companies, inserted in Real Profit, whose taxation is changed, among other aspects, by the generation of financial tax credits, that is, the credit will correspond only to the amount actually collected. It occurs that acquiring companies from Simples will not result in the generation of full credits, reducing the competitiveness of these companies.

Thus, large companies can lose R$ 1 billion in credits, for currently buying R$ 6.4 billion in goods and services. In order not to bear this loss, a risk is that Real Profit companies then dispense suppliers Simples Nacional, which would be a damage to this segment.

The output pointed out is the companies from Simples migrate to the Regular Regime, with the IBS and CBS determined as if they were in Real Profit, which is complex.“There are 6 million companies in Simples Nacional, which are not accustomed to the complexity of the non-cumulative tax regime. Migrating requires systems, processes, culture, knowledge; requires investments”, argues the tax officer.

Artificial intelligence transforms UX/UI design by enhancing digital experiences

The adoption of artificial intelligence (AI) in interface design is revolutionizing the way brands interact with their users. The use of intelligent algorithms enables the customization of design elements and real-time adaptation based on customer behavior, improving navigability and satisfaction.

According to an Adobe study, 80% of companies investing in AI technologies for personalization see an increase in interactions with their consumers. The survey also reveals that AI is able to identify usage patterns and adjust screen layout according to user preferences, promoting a fluid and engaging experience. Although the company has focused efforts on its own product, Adobe Experience Cloud, the analysis shows that these technologies, powered by the artificial intelligence engine, have great potential to increase conversion rates.

Alan Nicolas, AI specialist for business and founder of Lendar Academy[IA]“ AI has the ability to refine the way digital tools are designed.The big difference of AI in UX/UI design is its ability to analyze data in real time, allowing immediate adjustments that take the user experience to another level. Companies are increasingly recognizing the value of offering personalized and intuitive interfaces”, he says.

Personalization at the heart of digital design

The use of AI allows digital platforms to become more responsive to the needs of users. Analyzing navigation data, preferences and behaviors, algorithms are able to adjust colors, fonts, layouts and even the provision of information in real time. This ensures a more personalized experience, without the user having to actively provide information.

In addition, companies in various industries, such as e-commerce and entertainment, already use AI to create tailored experiences. Amazon, for example, uses artificial intelligence to adapt the display of products based on consumer preferences and browsing history, increasing the chances of conversion.

Another example present in the lives of many is Spotify. The music streaming platform uses AI to create personalized playlists such as Discoveries of the Week and Radar of News. In addition, the app features adapt to suggest content based on musical tastes and geographic location of users, improving navigation and engagement.

The future of user-oriented design

As AI becomes more sophisticated, its impact on UX/UI design tends to expand. Tools that combine machine learning and artificial intelligence allow designers to create increasingly inclusive usability by integrating accessible elements for different user profiles, such as people with visual or motor disabilities.

Alan Nicolas reinforces that the changes are still at an early stage, but the possibilities are immense. “We are just scratching the surface of what AI can do for interface design. Personalization is just one piece of the puzzle.We will soon see AI designing spaces and tools capable of dynamically adapting to the mood, emotions and even physical conditions of” users, he explains.

For the expert, AI in experience design promises to transform the relationship between brands and consumers.“The future of design will be defined by the ability to create unique experiences for each individual. AI will bring unprecedented customization, generating apps that understand what the user needs before he even manifests”, he concludes.

How can technology help overcome important logistical challenges?

In recent years, the logistics sector has experienced significant growth. Recently, the American company Mordor Intelligence released data that indicate that this figure is projected to grow on average 4.30% per year, reaching S$129.3 billion by 2029 only in Brazil, which, in direct conversion, represents about R$645 billion.

However, in parallel with this evolution, the sector has faced a series of complex and interconnected challenges, especially in our country, considering the complexity of the road network, which in many regions is quite precarious. Linked to this, it is essential to highlight the inefficiency of multimodal transport and the need to connect distant points with limited infrastructure. Thus, companies need to deal daily with problems ranging from delays in deliveries to high operating costs. All this with the growing demand for fast deliveries and the expectation for greater operational efficiency that put even greater pressure on the sector.

Another complex obstacle faced by the logistics sector is related to security, which is aggravated by high crime rates that directly impact operations. The technology then emerges as a strategic ally in risk mitigation, offering solutions capable of increasing cargo protection and optimizing route security. Tools such as real-time tracking, advanced monitoring systems and risk management platforms allow greater visibility, as well as a more agile and effective response to possible occurrences. 

In this sense, the adoption and integration of advanced technologies becomes an assertive choice for organizations that aim to overcome these historical and emerging challenges, as well as to progress in their productivity and profitability. Automation, the use of drones, real-time data analysis and artificial intelligence (AI) are some of the tools that have the power to transform the sector, allowing the creation of new opportunities for service optimization. The following highlights the main applications of integrating innovations to the area:

1. Route optimization and delivery planning

Efficiency in route planning is critical to reducing costs and improving delivery time. Technologies such as Big Data and AI have revolutionized this area. Route optimization algorithms, which analyze data in real time, allow companies to adjust routes based on traffic conditions, weather and other unforeseen factors.This not only reduces travel time, but also minimizes fuel consumption and carbon emissions.

2. Real-time tracking and visibility

Real-time tracking is one of the most significant innovations in modern logistics. GPS, RFID and IoT (Internet of Things) systems enable continuous monitoring of goods during transportation.This provides full visibility for companies and their customers, enabling rapid identification of any problems and informed decision-making.The ability to track each step of the logistics process improves transparency and customer confidence.

3. Automation and robotics in warehouses

Automated storage and retrieval systems (AS/RS), mobile robots and autonomous vehicles are examples of how technology can speed up processes and improve accuracy, increasing efficiency and reducing human errors. Robots can perform repetitive tasks such as picking and packing, freeing professionals for more complex and strategic tasks.In addition, automation helps minimize inventory errors and optimizes space usage.

4. Intelligent inventory management

AI and Machine Learning (ML) based systems help companies predict demand more accurately by automatically adjusting inventory levels to avoid overruns or shortages.These systems analyze historical data and market trends to optimize inventory, reducing warehousing cost and improving product availability.

5. Resource planning and supply chain

Effective supply chain planning is the foundation for a successful logistics operation. AI-based planning and simulation tools help companies create “e if” scenarios and identify potential bottlenecks before they become real problems. 

6. Integration and interoperability

Modern technology solutions promote integration between transport management systems (TMS), warehouse management systems (WMS) and ERP platforms. This integration ensures that all relevant data is available in one place, facilitating decision-making and coordination between the various parts of the logistics chain.

Undoubtedly, companies that use these technologies are reducing costs and offering a more agile and reliable service, overcoming geographical and infrastructure barriers. Brazil is a challenging country, but there are instruments capable of helping companies operate with more competitive advantage and it is essential to be aware of these alternatives.

Driven by Artificial Intelligence, Eu Delivergo delivers 12 million deliveries

Eu Delivergo, a logtech that connects retailers to the largest network of autonomous delivery companies in Brazil, reached the mark of 12 million deliveries in the 1st half of 2024. The company also achieved a growth of 36% in the same period, compared to 2023. The Pet, telephony and Fashion sectors were in evidence, registering numbers higher than the general average of the company, with an increase of 50% in some categories.

Since 2023, Eu Delivergo has been conducting significant strategic actions and investments, with a special focus on the implementation of AI technologies. In addition, the company has expanded its presence in the Ship From Store model to the Northeast, integrating more stores and enhancing operations in the region. An important part of the result comes from the implementation of urban hubs in the interior of Sao Paulo and in the South region, improving the coverage and speed of shipments through more efficient routes, all optimized by Artificial Intelligence algorithms. To improve the user experience, an evaluation system with tracking and NPS (Net Promoter Score) was implemented, which uses AI to obtain more accurate customer feedback.

Vinicius Pessin, CEO of Eu Delivergo, celebrates: “We are extremely happy with this performance. Expansions and investments aim to meet the growing demands of the market, always focusing on customer satisfaction”.

The Company also highlights the growth arising from platform licensing, now called Envoy, in the SaaS (Software as a Service) model. With this, customers are using all the robust and efficient tools that until then were exclusive to large delivery applications.“Our goal is to share the advanced technologies of last mile delivery orchestration, enabling all companies to optimize their end-to-end delivery operations”, says the executive.

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