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Banco Bmg expands credit offer in new digital self-service channel

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Banco Bmg expands credit offer in new digital self-service channel

Banco Bmg, a reference in payroll loans, has just launched a new digital self-service channel aimed at non-customers. Through the bank's application, anyone eligible to hire payroll loans will be able to access the offers without bureaucracy or the need to open an account. The novelty is part of Bmg's strategy to expand its proximity to addressable public of credit products, increasing the channels of offers and its capillarity via digital channel also to squares where there is no physical presence of the correspondents or help! 's network of bank credit stores with more than 830 units spread throughout the country.

The addressable market for payroll products is estimated at about 100 million people, among retirees and pensioners of the INSS, public and private employees. According to IBGE data, this total will have an increase of approximately 15 million new retirees and pensioners by 2031. Currently, the customer base of Bmg is 10.5 million users.

The new functionality of the application has as differential the possibility of hiring more than one line of credit simultaneously, in addition to various insurance.“One of the pillars for 2025 is to expand our presence within the payroll credit beyond our current user base, bringing agility to people who need the money simply and quickly. Focusing on the customer's need journey, it is possible to compare offers for hiring the one that makes the most sense for a given moment”, says Lauro Leite, director of Products at Banco Bmg.

Digital journey

The channel offers a fluid journey to the user, who can access the credit options in a simple and agile way by informing only the number of the CPF. In the application, it is possible to hire one or more products such as payroll loan, payroll credit card, payroll credit card benefit, anticipation of the FGTS withdrawals-birthday and insurance both in the products for the salaried public such as FGTS Life Insurance, and in the payroll products, such as the Prestamista Insurance on the Benefit Card. Persons over 18 years beneficiaries of the INSS or FGTS are eligible, upon analysis.

“O Bmg goes through a moment of digital transformation in which the focus is on the consumer experience and how technology can be an ally in the democratization of access to credit. Therefore we have developed a self-service channel, intuitive and safe, where it is possible to take a loan in a few steps, without having to have an” account, says Bruno Capelin, director of Growth at Banco Bmg.

The ease of access is also anchored in high security standards, with layers of protection such as authenticity seal, data check and biometric access.

The self-service channel can be accessed through the home screen of the Bmg Bank app, available for download in the online stores for iOS and Android.

Businessmen launch real estate platform with goal of R$15 million in the first year

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Businessmen launch real estate platform with goal of R$15 million in the first year

The Brazilian real estate market gains an innovative solution with the launch of the GuaranteesPay, platform that expects to reach 2 thousand customers in its first year of operation, R$ 15 million revenue in the first year and an estimated payback for its customers of a maximum of 6 months. The service, led by entrepreneurs Pedro Almada, Darwin Maciel, Robson Gass and Rogerio Roennau, aims to transform the sector by offering a more affordable and profitable alternative to real estate.

According to the CFO of GuarantePay, Robson Gass, the platform enables effective management of rental guarantees and helps increase the turnover of partners of a real estate company up to 157%. Today, on average 75% of Brazilians are unable to rent a property without traditional guarantees, such as guarantor, guarantee or insurance-confidence. “GarantePay proposes a digital solution that eliminates intermediaries, allowing real estate companies to open their own rental guarantors ¡n a new business ̄ and have full control of this operation and consequently increase their” billing, he concluded.

With more than 70 thousand real estate companies operating in Brazil, the company plans to reach 2,000 new memberships in the first year of operation. The model was developed to ensure a fast payback, estimated at up to six months becoming an attractive alternative for real estate partners and other entrepreneurs seeking businesses with higher turnover and profitability with low operating cost.

GuarantePay allows real estate agents to create their own rental guarantors without relying on banks or insurers. The platform analyzes the ability of tenants to pay with specific criteria for the real estate sector, reducing default and streamlining all processes. Everything is done digitally, from electronic signature to automatic payment management and contract renewal.

Security in delivery: how to avoid scams and protect your data

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Security in delivery: how to avoid scams and protect your data

Although delivery services bring more convenience to the day, scams and data leaks have made users apprehensive. Reports of security breaches in applications, duplicate payments and false tracking links are noteworthy; but none of this means that one should abandon orders. Provided that proper precautions are taken, it is possible to enjoy this comfort with peace of mind.

“Knowing the main risks is essential to maintain an active posture. So, complying with simple measures, such as avoiding conversations with the establishment outside the official channels and periodically updating payment information, can make all the difference to avoid losses”, comments Vinicius Valle, Marketing Coordinator of Gaudium, a company specialized in technology for mobility and delivery.

With that in mind, Valle shares some information to protect yourself from scams, whether in the most popular apps or direct orders to restaurants

Data leak

Delivery apps store sensitive information such as address, phone number and payment data, which make them frequent targets of cyber attacks. Therefore, users must adopt security measures, the main one being the creation of strong and unique passwords for each service.

In addition, avoiding the storage of sensitive information directly in applications and opting for more secure payment methods, such as virtual cards or systems with multifactor authentication, reduces the risks of exposure and data theft.

Fake links for tracking

Scammers can send fraudulent messages in parallel conversations via SMS or WhatsApp to trick users into targeting malicious websites with the aim of stealing personal data.These messages, often simulating order or offer notifications, contain links leading to fake pages where criminals try to obtain passwords and banking data.

Vinicius warns that delivery applications do not usually send links by message. “To ensure security, it is recommended that consumers track their orders exclusively through official applications or company websites, avoiding accessing links received by unsolicited messages”, he says.

Undue charges

Another frequent scam involves the improper collection of extra amounts. In this case, malicious couriers request additional payments under different justifications, such as unexpected fees, adjustments to the order or problems with payment by the application.

To avoid fraud, users should never make extra transfers or payments without first confirming the legitimacy of the request directly with the support of the platform.“This verification can be done through the official channels of the application, such as chat, phone or email, ensuring that any amount charged is correct and authorized. Applying this security measure ensures a more reliable experience when using the service”, concludes Vinicius Valle.

Predictive analytics: the strategic vision driven by artificial intelligence in modern retail

Tailan Oliveira
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Predictive analytics: the strategic vision driven by artificial intelligence in modern retail

In an increasingly fierce and competitive landscape with rapid transformations, the retail market is obliged to not only have a simple reaction to the events of its branch, but also to assume the ability to anticipate trends and predict scenarios. Having this capacity is a crucial strategic differential for the sustainability and growth of these businesses. In this context, predictive analysis, powered by artificial intelligence and the vast amount of data available, assumes the leading role.

According to a survey by the Dom Cabral Foundation in partnership with the goal, 62% of the entrepreneurs interviewed use AI for predictive analysis. This action offers a necessary vision to accurately plan, optimize operations and customize the customer journey in an unprecedented way, and retailers would not be outside this strategic vision.

Just as business leaders recognize the power of technological transformation for the future, retail envisions predictive analysis the compass to read the present and project tomorrow. Through the possibility of interpreting data and identifying patterns, it becomes possible for retailers to not only understand behavior, but also anticipate consumer needs and desires, managing, from this technology, pave the way for more assertive strategic decisions.

By anticipating the future, retail gains an invaluable differential. With predictive models, companies can simulate the impact of several variables, from fluctuations in demand and supply chain disruptions to changes in consumer preferences. This projection capability allows efficient preparation that will lead entrepreneurs to deal less and less with negative surprises, as well as having a reduction in losses and a smarter distribution.

Operational and financial planning, in this scenario, gains unprecedented dynamism and agility. It becomes possible to develop different realities adjustable in real time to market changes, enabling accurate cash flow simulations, revenue projections and sensitivity analyzes, all based on concrete data. Using this resource reduces the margin of error when making decisions and allows greater flexibility and opportunity to adapt to unforeseen events.

Agility is another factor that comes to make a difference with the adoption of AI, after all, agile decision making, based on real-time data, is another pillar of predictive analytics in retail. When integrating with Business Intelligence (BI) platforms and other systems, we have a consolidation of information from various sources, generating valuable insights that allow quick and efficient adjustments to strategies. This ability to respond immediately to market dynamics ensures that the company always remains one step ahead.

The opportunities for business improvement are endless, but it is important to recognize the complexity of implementation. In this case, it is critical that retailers seek specialized partners who can offer the knowledge and technological solutions best suited to their specific needs. A careful analysis of the available tools and a well-defined implementation plan are important steps for the successful adoption of predictive analysis.

Along with technological implementation, training and training of teams is essential, especially to foster an organizational culture based on this universe of data. This is because, when employees understand the value and functioning of predictive analysis, they also lead employees to become more engaged and able to use insights. The ability to simulate scenarios and base decisions on concrete information increases trust and proactivity at different levels within the organization.

In the end, the adoption of predictive analytics, driven by artificial intelligence, represents a strategic differential for retail of high value. By anticipating risks, optimizing resources, personalizing the customer experience and making decisions with agility and precision, companies not only guarantee greater stability in a dynamic business scenario, but also position themselves in an advantageous way for sustainable growth and for the achievement of consumer preference.

Sensedia announces new Vice President of Business Brazil

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Sensedia announces new Vice President of Business Brazil

Sensedia, a Brazilian multinational technology company and global leader in APIs and integrations, announces the arrival of Ricardo K. Medina as new Vice President of Business for Brazil.

The new VP joins the leadership of Sensedia in a time of strong expansion of the company, which in the last year grew 140% in international markets.Ricardo Medina will have the mission to lead the growth machine in the Brazilian market and build a path of expansion in new markets and industries.

With more than two decades of experience in the technology sector, Medina has built a solid career in global companies such as ServiceNow, SAP and Oracle, working in high leadership positions.He was Vice President of Sales at SAP, where he also served on the board of directors of Brazil and led units such as Services, Partner Ecosystem and initiatives for Latin America.

At ServiceNow, he led the enterprise sales team, contributing to the significant growth in Brazil. Throughout his career, he stood out for driving high-performance operations, conducting commercial transformations and structuring go-to-market strategies, focusing on value sales, cloud software, consulting services and digital transformation solutions.

In addition to the executive experience, Medina holds a Bachelor's degree in Systems Analysis from PUC, an MBA from UFRGS and has complementary training in institutions such as MIT Sloan School of Management. He also served as an MBA professor in Digital Strategy at FGV and FIAP.

Huawei opens official store at Shopee and expands presence in Brazilian e-commerce

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Huawei opens official store at Shopee and expands presence in Brazilian e-commerce

Huawei Consumer Business Group (CBG), a global technology leader, announces the opening of its official Shop at Shopee, one of the main e-commerce platforms in Brazil. With the initiative, the brand extends its reach in the digital environment and reinforces its commitment to offer more convenience, security and access to Brazilian consumers.

The new official store brings a selection of Huawei products with warranty, local support and the reliability of an authorized channel. Among the highlights are devices aimed at health[3], Wellness and connectivity, such as smartwatches, smart bracelets, Bluetooth headphones and state-of-the-art routers.

Focusing on innovation and design, Huawei devices are recognized for their durability[4], Accuracy in monitoring health ² data and intelligent integration with Android and iOS smartphones. Among the highlights available at Shopee are the new smart bracelet Huawei Band 10, which combines lightness, modern design and wellness functionalities²; the Huawei Watch GT 5, smartwatch with long-lasting battery[5] and focus on health monitoring²; the Huawei Watch Ultimate, Premium watch with advanced features for adventure sports[6] and the Huawei FreeBuds Pro 4, Bluetooth headset with active noise cancellation[7]and high fidelity sound quality.

The initiative is part of Huawei's strategy to strengthen its presence in marketplaces, approaching an audience that seeks practicality when buying and that values recognized sales channels.In addition to Shopee, the brand also maintains official operations in other e-commerce platforms, such as Mercado Livre and Amazon.

Retail sector loses R$ 31.7 billion per year due to lack of IoT investments

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Retail sector loses R$ 31.7 billion per year due to lack of IoT investments

The absence of investments in Internet of Things (IoT) technologies has caused significant losses in several sectors of the Brazilian economy. In retail, for example, the lack of automation and intelligent monitoring results in a billionaire loss. According to the Brazilian Association for Loss Prevention (Abrappe), in partnership with KPMG, the average rate of retail losses has grown from 1.21% in 2021 to 1.48% in 2022, totaling a financial impact of R$ 31.7 billion per year.

These losses are attributed to operational failures and inventory errors. The lack of adoption of advanced technologies, such as tracking sensors, radio frequency identification (RFID) and artificial intelligence, makes it difficult to monitor inventory and identify operational risks, reducing efficiency and increasing costs of companies.However, companies that have already adopted technological solutions for loss prevention have recorded significant reductions in operational losses.

But retail is not the only sector impacted by low IoT adoption.In addition to commerce, other areas of the economy fail to make significant gains due to a lack of digitization and automation.


: Most government buildings and public bodies still operate with corrective maintenance, without sensors for climate control and energy consumption, which results in wasted resources and high operating costs.


Industry and Manufacturing: Despite the advances of Industry 4.0 in production lines, the management of facilities within factories is still lagged. Many industrial plants do not use sensors for predictive maintenance of building equipment, environmental monitoring or automated climate management, impacting productivity and safety of the work environment.


Transport and Mobility: Subway, train and road terminal stations face challenges in adopting technologies to optimize hygiene and maintenance, which compromises the user experience and generates unnecessary operating costs.


The research of the Brazilian Association of Facility Management, Property and Workplace (ABRAFAC) highlights the advancement of digitalization in the hospital sector, where 52.7% of institutions already have alert and alarm systems for monitoring processes and equipment in real time, and 57.1% use visualization panels for operational management. This progress has ensured greater safety and predictability in hospital infrastructure, reducing waste and improving the patient experience.


EVOLV, specialized in IoT solutions, has been one of the companies responsible for this transformation in Brazil. With cases in hospitals, industries, state-owned and more than 25 airports, the company develops technologies that help in the digitalization and automation of building management, reducing costs and increasing operational efficiency. In retail, the adoption of these solutions can represent a significant saving of 40% and an increase in the competitiveness of the sector.

Brands invest in hyperlocal retail to attract and retain customers

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Brands invest in hyperlocal retail to attract and retain customers

The Brazilian has experienced changes in his lifestyle in recent years, including the urban “exod”, which is the exchange of large capitals for smaller cities in search, especially, of quality of life. This movement has reshaped the retail market, creating a demand for solutions that are close, agile and accessible. All aligned with the style and expectations of this new audience.

Hyperlocal retail, as this phenomenon was titled, starts from the premise that both consumers and companies look at what is nearby, thinking locally and prioritizing convenience and opportunities, respectively.

Large chains such as the Sugar Loaf Group and Carrefour are already investing in smaller formats closer to the communities, such as the Sugar Loaf Minute and Carrefour Express. Already startups such as Swedish Lifvs, with autonomous stores and available 24 hours, or Brazilian Ame Go, which automates purchases with AI and wi-fi, show how convenience is transforming retail.

“The future of retail will be increasingly decentralized and connected. Stores do not have to be large, but rather agile, convenient and adapted to local needs”, says Cesar Baleco, CEO of IRRAH, a technology group specialized in solutions for the retail sector.

In addition to the large networks that have invested in local businesses, hyperlocal retail is also aligned with the growth of small businesses in Brazil, which represent the majority of companies recently opened. In September 2024, 349.5 thousand new small businesses were registered, 96% of the total CNPJs created in the period, according to a survey by Sebrae with data from the Federal Revenue. In the accumulated of the year, 3.3 million new companies were opened, with approximately 3.2 million, composed of MEIs, micro and small companies.

According to Baleco, this transformation tends to be even more pronounced. During the pandemic, 72% of Brazilians began to prioritize small businesses, and 80% said they will continue to encourage local establishments, according to Accenture. 

“The future of retail is being close, agile and, above all, connected”, he says, noting that technology is no longer just a facilitator to become a strategic differential for those seeking to stand out in this new market format.

And the ways to use this differential are numerous. “We can not forget that the consumer is close, but is also connected, and although more conducive to buying than is nearby, faces an often overwhelming competition in the virtual universe. Given this, it is necessary that local merchants make use of existing technologies today to stand out”, says the CEO of IRRAH. He cites emblematic examples, such as the case of the Swedish retailer Lifvs, for example, who, chose the rural area as the destination of their automated stores, offering more options to communities without access to supermarkets. The network opened 19 in container format are transported to the local operation.

But local businesses do not need to use such bold strategies to captivate their audience and beat the competition in the technological world. According to Baleco, there are tools available today in the middle that, for example, automate campaigns and services, and that, with a little creativity, can make a difference and ensure an unforgettable experience to customers.

“Imagine launch a digital campaign to attract people who do not know your store yet. You can offer exclusive discounts so that these people come to your establishment, creating an opportunity to win them. For customers who already frequent the place, the campaign can encourage them to subscribe to your online channel to receive news, promotions and updates, stimulating more frequent purchases. The possibilities to increase engagement and sales are numerous!”, explains.

Baleco says that the IRRAH Group is present in more than 70 countries, driving the concept of hyperlocal retail. The company has helped businesses automate customer service and connect consumers to companies. Among the innovative solutions are GTP Maker, which uses AI to create virtual assistants; trigger There, which develops campaigns that boost sales; e-vendi, an e-commerce optimized for WhatsApp, and KIGI, a strategic ERP that transforms retail management into a fully integrated ecosystem.

These technologies not only optimize operations, but also make retail more dynamic and competitive.The integration between innovation and proximity is undoubtedly the key to success in this new” scenario, concludes Cesar Baleco.

ETAPP plans to sell 1 million cans of non-alcoholic beer and strengthen its presence in the sport in 2025

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ETAPP plans to sell 1 million cans of non-alcoholic beer and strengthen its presence in the sport in 2025

Leading an innovative movement in the sports universe, ETAPP, the first non-alcoholic craft beer with 100% sports DNA, starts 2025 with ambitious goals. Created in 2024 to offer a new experience in the universe of non-alcoholic beers and aligned with the lifestyle of athletes and sports enthusiasts, the company intends to sell more than one million cans this year, achieving revenues of R$ 13 million and consolidating itself as a reference in the segment.

ETAPP differentiates itself by embracing a concept that goes beyond the simple consumption of beer: it is the celebration of the effort, dedication and connection that sport provides.“Esse is a project of people passionate about sport. When we launch the brand, we understand that celebrating does not need to be linked to alcohol. We create a beer that translates the athlete's journey, whether professional or amateur, allowing him to savor his achievements along the way without giving up his performance and well-being”, says Eduardo Andrade, co-founder of ETAPP.

The brand portfolio combines variety, flavor, and very low calorie ''A Session IPA, for example, has only 52 calories. “From the beginning, our proposal was different.We will never have alcoholic beverage in our portfolio, because we believe that beer can and should be an extension of the lifestyle of our consumers. Who chooses ETAPP wants flavor, quality and a product that represents its values, adds Andrade.

With a special focus on endurance sports, ETAPP is already present in some of the main sporting events in Brazil, being the official beer of competitions such as IRONMAN, SP City Marathon, Circuit Athens, Florianopolis International Marathon and Curitiba Marathon. The brand also bets on a strategy of expansion in retail and strengthening digital presence, marketing its products to all of Brazil through e-commerce.

MEXC and the role of cryptocurrencies in the financial everyday

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MEXC and the role of cryptocurrencies in the financial everyday

A MEXCone of the leading global cryptocurrency exchanges was at Talent Land 2025, the largest technology and innovation festival in Latin America, to reinforce its commitment to expanding the use of cryptocurrencies in the daily lives of Latin Americans.

Beyond speculation: cryptocurrencies as a financial tool

The advancement of cryptocurrencies in Latin America goes beyond speculation: it is driven by necessity. Millions of people already use digital assets to send money abroad, protect savings against currency devaluation and access investments outside the traditional banking system.

“In Mexico and throughout Latin America, cryptocurrency has ceased to be a niche thing and is becoming part of the financial routine of” people, he said Carlos Ruiz's, MEXC representative in the region.“Be a freelancer receiving in stablecoin or a family saving on shipping fees, our goal is to make these solutions more affordable and secure

The audience, made up of developers, entrepreneurs and students, reinforced this vision, sharing how they already use cryptocurrencies in their daily finances.“A demand is clear”, he said Zalo., business development leader at MEXC.“People are looking for faster, cheaper and more transparent alternatives than the traditional financial system.That's where MEXC comes in

MEXC strategy in Latin America: bringing cryptocurrencies closer to real life

In lecture “Empowering Latin America: MEXC Commitment to the Future of Cryptocurrencies”, the company presented its regional expansion plan:

  • Local Access: Directly real peer trading, PIX integration and expanded P2P options to simplify integration.
  • Security as standard: US$470 million insurance and Proof of Reserve above 100% for protection of users' assets.
  • Innovation for all: MEXC DEX+, a hybrid platform that combines the ease of centralized exchanges with the freedom of DeFi (with support for Solana and BSC networks).
  • Growth with the community: partnerships with local Web3 projects, educational activities and support for regional events.

Looking to the future: cryptocurrencies for everyone

MEXC has reinforced its plans to consolidate its presence in Latin America, with educational content in Portuguese and Spanish, as well as collaborations with local fintechs. “We are not just bringing cryptocurrencies to Latin America (WE are building this together with the”, said Carlos Ruiz. “The next wave of adoption will come from the everyday use of cryptocurrencies, not just investments.”

At the end of Talent Land 2025, the message of MEXC was clear: the future of finance in Latin America will be inclusive, borderless and already underway.

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