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Inteligência Artificial diminui de meses para dias o tempo de integração entre empresas

E-Commerce Update
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Inteligência Artificial diminui de meses para dias o tempo de integração entre empresas

Em 2024, o Brasil registrou 1.247 operações de fusão e aquisição, segundo a consultoria Kroll, e a integração pós-fusão — conhecida como Pós-Merge Integrity (PMI) — é um momento determinante para o sucesso dessas transações. A Louro Tech, fundada em 2024 por Felippe Pires, ex-sócio da XP e atual CEO, resolveu esse problema ao combinar inteligência artificial (IA), consolidação de dados em tempo real e um CRM avançado, reduzindo o tempo médio da PMI de longos meses para apenas alguns dias. Atualmente, a empresa administra mais de R$ 20 bilhões em ativos e tem projeção de alcançar R$ 100 bilhões até o final de 2025.

Durante a PMI, existem várias barreiras a serem enfrentadas pelas empresas envolvidas. “Cada minuto conta. Integrar sistemas diferentes não é só uma questão técnica – é um risco operacional que amplifica choques culturais entre equipes. Quando informações essenciais se perdem na transição, o que era para ser sinergia se torna um problema”, explica Pires. O especialista cita como exemplo, a integração de dados que ele a Louro Tech realizou entre duas empresas. “Consolidar os dados históricos de gestão comercial das duas empresas para potencialização das sinergias, por exemplo, levaria pelo menos dois meses. Nós reduzimos este tempo para três dias, realizando a fusão sem perder um único dado”, comenta o CEO. 

Outro facilitador pode ser a ferramenta utilizada pelas organizações para analisar e gerir seus dados. Caso as empresas envolvidas no processo de fusão ou aquisição utilizem previamente a mesma ferramenta, a transição pós-fusão se torna muito mais suave. “O fato de usar uma mesma estrutura de dados facilita muito no PMI. E como  a instalação e  implementação da ferramenta é muito rápida – configuramos e implementamos em até uma semana –, conseguimos fazer a fusão de empresas de forma mais ágil no que tange à gestão dos dados”, complementa o CEO.

Estudos apontam que 41% das fusões e aquisições fracassam por falhas na integração entre as empresas, levando a prejuízos financeiros significativos. A incapacidade de consolidar rapidamente informações estratégicas pode resultar em perda de clientes, desalinhamento entre equipes e dificuldades na adaptação a novos processos operacionais. O especialista explica que um escritório que gerencia R$ 500 milhões em ativos, por exemplo, pode chegar a gastar em média 16 horas semanais corrigindo erros entre planilhas desconexas — tempo que poderia ser dedicado à captação de novos clientes.

A integração eficiente de dados não apenas acelera a transição operacional, como também permite que as empresas assegurem conformidade regulatória e mitiguem riscos jurídicos. Documentação financeira e relatórios obrigatórios podem ser gerados automaticamente, reduzindo erros e garantindo transparência para auditorias e órgãos reguladores. “Não se trata apenas de consolidar dados, mas de garantir que toda a operação transcorra sem falhas, evitando sanções regulatórias e otimizando o tempo”, complementa Pires.

Esta eficiência impacta diretamente a retenção de talentos dentro das empresas envolvidas na fusão. Um processo ágil e bem estruturado minimiza incertezas, reduzindo a taxa de rotatividade de profissionais-chave. Empresas que enfrentam transições prolongadas e desorganizadas frequentemente perdem talentos estratégicos para concorrentes, comprometendo a continuidade dos negócios. A tecnologia da Louro Tech facilita a adaptação das equipes, assegurando que a fusão alcance seus objetivos de crescimento e sinergia operacional.

Mobiis announces launch of freight marketplace to connect carriers and shippers

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Mobiis announces launch of freight marketplace to connect carriers and shippers

A Mobiis, an ecosystem that connects SaaS solutions for the transformation, efficiency and innovation of the logistics chain in Brazil, announces the launch of its freight marketplace, in order to connect carriers and shippers in an agile, efficient and safe way. Developed to boost the logistics segment, the exclusive tool has more than three thousand approved carriers and a centralized platform for all operations, ensuring greater predictability and operational control.

Idealized for companies seeking new loads aligned to their profile or wishing to expand their network of customers, the platform provides real business opportunities. The solution quickly and efficiently connects carriers facing challenges to find compatible cargo with shippers seeking to distribute them strategically, ensuring budget and competitive deadlines.

In this sense, the Mobiis freight marketplace provides a Service Level Agreement, known as SLA, and values defined in a single secure environment. “ Shippers will offer their cargo to companies with a compliant profile and, above all, that already operate in the region of origin and destination of the cargo. This expands business opportunities with transparency and efficiency, while the complete connection is made in less than an hour” Adriano Cagnini, Mobiis operations director.

Adriano Cagnini, Mobiis operations director (Disclosure)

Mobiis will officially launch this functionality during its participation in Intermodal South America, the largest and most complete event of logistics solutions in the Americas.In order to transform the national logistics segment through innovation and effectiveness, logtech was developed from the merger of Pathfind and Fretefy companies.
 

With a portfolio of more than five thousand renowned brands using its robust and specialized solutions, such as Heineken, Carrefour, FedEx, Riachuelo, Nestle, Algar Telecom, Votorantim, Gerdau, AAK, Ajinomoto and Consigaz, Mobiis projects a growth of 300% by the end of 2025.

RecargaPay guarantees more savings on Easter purchases.

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RecargaPay guarantees more savings on Easter purchases.

With Easter arriving and prices rising, RecargaPay is a more advantageous alternative for consumers who want to save money without sacrificing their purchases during this period. By using the RecargaPay Credit Card, customers receive 1.5% of […the text cuts off here. Please provide the complete sentence to finish the translation.] cashback All transactions credit the balance directly to the app's digital wallet, which yields the equivalent of 110% of the CDI. Paying with the card, purchases can also be installment-paid in up to 18 payments, without bureaucracy.
 

Around 102.6 million people plan to buy Easter items this year, according to a survey conducted by the National Confederation of Retail Managers (CNDL) and the Credit Protection Service (SPC Brasil). To meet this demand, RecargaPay offers payment solutions that benefit consumers when gifting friends and family, whether with a credit card that returns part of the amount spent or with the possibility of installment payments via Pix, with the lowest market rate, of only 3.99%.
 

“We know that Easter is one of the most relevant dates for national retail, but we also recognize that the current scenario of rising prices in the country demands even more attention to financial control. Therefore, at this time we reiterate our role as a payment tool that combines convenience and savings during Brazilians' shopping moments, with solutions that guarantee more advantages for your financial life," assesses Nelson Leite, VP of Payments at RecargaPay. "Our focus is always to enable conscious consumption, offering more control over spending and a more profitable return to our more than 10 million customers.”
 

How to apply for the RecargaPay Credit Card?

On the app's home screen, select the “Credit Card” option and tap “Apply Now”. Then, verify your identity, confirm your information, and accept the terms and conditions. Your credit limit will be based on the balance in your wallet, so add funds to your card to ensure approval. Finally, just review your details and complete the application. Approval is immediate, with no annual fee, and the entire process is simple, fast, and secure.
 

The card is the only one in its category that offers cashback Get 1.51% cashback on all purchases. With the guaranteed limit model, the customer defines how much they want to put on the virtual card and, consequently, how much they can spend, providing more control and financial organization. In addition, the reserved amount continues to yield automatically in the app's wallet, with profitability equivalent to 110% of the CDI.

With creativity, online stores go beyond chocolate and increase in 30% billing during Easter

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With creativity, online stores go beyond chocolate and increase in 30% billing during Easter

According to Nuvemshop, the leading e-commerce platform in Latin America, there was an increase of 30% in the turnover of small and medium-sized e-commerce companies that invested in Easter, reaching R$ 3.9 million. About 88 thousand specific products were sold for the date, a growth of 28% compared to 2024.

Products registered as “Easter” on the platform grew 42% in number of items sold and 45% in revenue, moving more than R$ 1.6 million. Already chocolates, symbols of the holiday for many people, had a drop of 5% in the total of products sold in e-commerce.

“A Easter is the great time of the year for sweets and chocolatiers, however, for retailers from other segments, the holiday can be an extra opportunity to offer different products to the consumer. Currently, we have more than 150 thousand customers on the platform, from the most varied segments. On all commemorative dates, we have shopkeepers to offer options to all types of consumer”.

The success in selling products from other segments is the case of Parafinesse, e-commerce of candles and aromatic products, which bet on a trend of the moment and created two commemorative candles for the period: one of chocolate with orange and another of pistachio, with the option of acquiring them inside a package in Easter egg format. The novelty pleased customers and they had, only in March, an increase of 37% in billing; the ticket-medium, consumer value on the site, also grew 12%.

“At Easter, we are very impacted by images and chocolate offers, but there are people who do not consume it. Thinking about these people, we wanted to offer a product that refers to the comfort that sweet is associated with”, says Beatriz Costacurta, founder of Parafinesse.“It was right: the candles were so successful that we are considering keeping them in our fixed catalog”, she adds.

The data were collected from the brazilian database of Nuvemshop retailers, during the period from march 14 to april 13, 2024 and 2025.

Is digital inclusion the new driver of financial empowerment?

Laila Martins
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Is digital inclusion the new driver of financial empowerment?

With the expansion of internet access and the use of digital platforms, millions of Brazilians have found opportunities for training, entrepreneurship and insertion in the digital market. According to the ICT survey Households 2024, 84% of the population is connected and 74% use the network for professional or educational activities, which shows how connectivity has been consolidating as a bridge to economic and social development.

This advance, however, is not limited to income generation. It represents a concrete chance to face historical inequalities, expanding access to resources that were previously restricted to a portion of citizens. For this potential to be fully realized, it is necessary to invest in digital infrastructure, professional training and technologies that involve the active participation of all in the connected economy.

How does digital inclusion create income opportunities?

The internet has opened doors that once seemed inaccessible. Working from anywhere, making extra gains as a freelancer or even turning a hobby into your own business has become a reality for many people. Those who need flexibility or face difficulties in the traditional market find in digital a more democratic space. Undertaking online has also become simpler and cheaper, since just a mobile phone and a good idea to start. Social networks such as YouTube, TikTok and Instagram have become monetization platforms, while e-commerce continues to grow and create new horizons.

But it is not enough to have access to the internet, you need to know how to use it to your advantage. Digital learning platforms offer practical courses that help develop skills valued in the market, making it easier to change careers or seek an extra source of revenue. In addition, strategies such as affiliate marketing and referral programs allow anyone to make money connecting consumers to products and services. With more knowledge and tools at hand, the path to financial independence becomes increasingly accessible.

And edtechs play an essential role in this transformation. In addition to providing training, many create partnerships with companies to bring professionals from real perspectives. Projects aimed at poor communities guarantee access to devices and connectivity, allowing more people to participate in the digital economy. In the end, digital inclusion is not just about technology & is about giving equal chances so that everyone can grow, undertake and achieve a better life.

Challenges and paths

There are still barriers along the way. Without adequate infrastructure, millions of people still lack access to quality internet, which limits work, learning and growth. Data from the ICT Households 2024 survey reveal that 29 million Brazilians still do not have access to the internet, which reinforces the challenges of digital inclusion in the country. And even among those who use the network regularly, only 22% have a significant” connectivity, which considers factors such as frequency of use, quality of connection, access to appropriate devices and digital skills.

That is, the lack of training also prevents many from taking advantage of what technology has to offer. At the same time, the increase in virtual transactions brings new risks, such as financial scams, making digital security a priority. Without effective public policies, digital inequalities tend to deepen.

On the other hand, technological advances continue to pave the way for us to go. Artificial intelligence already enables people and companies to focus on more strategic tasks, while digital businesses are structured based on data and automation. Online education breaks down geographical barriers and expands access to knowledge, and new forms of monetization, such as the creative economy and NFTs, are opening paths to income generation.

E-commerce is one more that consolidates, democratizing digital entrepreneurship. Models such as dropshipping and affiliate marketing facilitate the entry of entrepreneurs into the market. Freelance work grows, connecting professionals to opportunities anywhere in the world.

When connectivity, empowerment and security go together, digital is no longer a privilege and becomes a vector of transformation. The future of the economy is the active participation of all in this environment, and true financial empowerment is born when technology is put at the service of equity.

Easter 2025: With 70% of Consumers Anticipating Purchases in Advance, Planning Will Be the Key Differentiator for Brands

Caroline Mayer
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Easter 2025: With 70% of Consumers Anticipating Purchases in Advance, Planning Will Be the Key Differentiator for Brands

Easter has always been a reliable thermometer of how consumer behavior is going, but in 2025, it promises to be even more significant research conducted by Globo revealed that 83% of Brazilians intend to celebrate the date this year a considerable increase in relation to 68% which celebrated in 2024. This change indicates a window of opportunity for brands and retailers. Therefore, understanding the consumer in advance will make all the difference.

When we talk about buying behavior, we realize that some patterns are being reinforced, while others evolve rapidly. The food and beverage basket remains a protagonist at this time, especially due to the religious tradition that remains strong in the country: 65% of those surveyed said they did not consume red meat on Good Friday. In addition, for 73% of Brazilians, the Easter meal is more than a simple celebration . It is a time to gather friends and family. This data reinforces a key factor: the consumer does not seek only products, but shared experiences, which creates opportunities for brands to position themselves emotionally and gain space in the affective memory of customers.

Perhaps the most interesting thing is the behavior related to the purchase of chocolates and sweets 74% of Brazilians claim to have intention to buy Easter eggs, chocolates or sweets in 2025. Among the general preferences of the population, industrialized Easter eggs sold in supermarkets stand out (47% of respondents mentioned interest in this product, 1 percentage point growth over the previous year), handmade eggs sold in specialty stores (49%) and industrialized chocolates (29%). This movement indicates a significant preference for industrialized products, which may be linked to both economic issues and practicality and trust in well-known brands.For brands and retailers, this scenario suggests clear opportunities in strategies focused on convenience, perceived quality and strengthening the trust relationship already established with the consumer.

In the logistics aspect, super and hypermarkets continue to lead, with the preference of 59% of respondents, while specialized stores (33%) and wholesalers/attack (23%) share the rest of the preferences. This means that, although digitization is inevitable and essential, physical and face-to-face experience remains a crucial point, especially on commemorative dates such as Easter. Thus, omnichannel strategies should be carefully designed to integrate the best of both worlds.

Impact of anticipating purchases

Another revealing point is the increasingly anticipated behavior of consumers.In 2023, according to data from the campaign made by Mondelez Brazil in partnership with RelevanC 40% of purchases happened between one month and eight days before Easter. In 2024, this anticipation increased to 53%. Now, for 2025, the trend remains strong, with 59% of consumers stating that they will carry out their purchases in advance 25% being approximately one month before and 34% being approximately 15 days before the date. This behavior reinforces the importance of initiating promotional campaigns and communication strategies early enough to capture attention and meet consumer expectations.

This consistent evolution brings a clear message to brands: communication and commercial strategies need to start earlier than ever. Consumers are no longer expecting last-minute offers; rather, they are planning financially and emotionally in advance. This behavior may be the result of a more cautious consumer, who researches prices, options and quality in advance, valuing a safe purchase more than impulsive. 

For brands, the benefit of this anticipation is clear: longer campaigns allow for more effective branding actions, a more consistent relationship with the consumer and, consequently, better results in conversion and retention, as we saw in the successful example of Mondelez.

The Mondelez case is a good example of what happens when a brand understands this dynamic. By anticipating its Easter campaign in 2024 and using behavioral data to segment actions, 53% of sales were anticipated.In addition, the campaign brought new consumers to the brand (50% were new buyers in e-commerce), which proves the potential for anticipation not only to increase immediate sales, but to broaden the customer base in the long run 66% of transactions include additional products (tablets) it indicates that the consumer, when reached earlier, is open to buying more and trying different products, provided they are stimulated correctly.

Competitive differential

In this context, we can safely say that anticipation will be a competitive differential for Easter 2025. Brands that understand that almost 70% of consumers are willing to anticipate their purchases they will be able to create more effective strategies, from segmentation to inventory management and advertising campaigns.

The great learning is that consumers are more planned, more attentive and, above all, more demanding. Therefore, the ability of brands to anticipate demands, customize offers and ensure a fluid experience will be crucial to make the most of this window of opportunities.

Easter 2025 will not only be about selling more chocolates, but about who can establish genuine connections with the consumer, anticipating their expectations and ensuring a complete and memorable experience.

Delegating intelligently and developing leadership strengthens business growth

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Delegating intelligently and developing leadership strengthens business growth

One of the biggest obstacles to the growth of small and medium-sized companies is the attempt of the entrepreneur to maintain absolute control over all decisions and processes. Although direct involvement in operations seems to be a sign of commitment, this centralization compromises the scalability of the business and exhausts the time of the manager. To expand with consistency, it is essential that leaders learn to delegate with discretion and build teams prepared to assume responsibilities with autonomy.

Second Samuel Modesto, business management specialist and business mentor, knowing what to delegate and how to delegate is a strategic skill. “This does not mean that the manager is giving up control, but rather creating an intelligent system where each person contributes their best. The entrepreneur needs to leave the operational and take on his role as growth leader”, he evaluates.

Delegating is not abdicating: it is directing clearly

The first step to an effective delegation is to identify which tasks really require the look of the entrepreneur and which can be passed on safely. The management of internal processes, routine attendance or the execution of operational tasks are clear examples of activities that can & should & should & should & should be performed by other people. “The most common mistake is to think that no one does as well as the owner. This thought limits business growth and generates” overload, comments Modesto.

However, delegating does not mean transferring a task and disappearing. It is necessary to provide guidance, monitor the results and be available to support the team. “The difference between delegating and abandoning is the ongoing responsibility. The leader must remain present, following indicators and providing” feedback, the expert points out.

Environments that foster leadership create stronger businesses

In addition to the technique, the environment also needs to be favorable. Companies that want more autonomous teams must build a culture of trust, where employees feel safe to make decisions, suggest solutions and make mistakes when necessary. According to Modesto, empowerment does not happen by decree, but by the way leadership conducts day to day.

“Companies that strengthen their internal leadership, invest in clear communication and value the opinion of teams create an ecosystem where collective growth is inevitable. When the employee realizes that he has space and support, he starts to act with more responsibility and initiative”, he highlights.

For the expert, freeing the entrepreneur from operational tasks and strengthening the performance of the team leaves the company less dependent on a single person to function, in addition to maximizing the speed and capacity for innovation.“Scalar requires prepared leaders and protagonists collaborators. Only then the entrepreneur can focus on where it really makes a difference: in the future of the business”, concludes Modesto.

Six solutions to leverage online sales in a smart way

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Six solutions to leverage online sales in a smart way

Part of the Brazilian consumer routine, e-commerce has been gaining more and more followers. So much so, that according to the Brazilian Electronic Commerce Association (ABComm), the sector should reach, in 2025, its eighth consecutive year of growth, with an increase of at least 10% of revenues compared to last year, exceeding the R$ 234 billion.

“These expectations are interesting and totally plausible, especially if online stores can draw up good strategies for attracting new customers, increasing average ticket, loyalty of old customers and, of course, if they work on reversing situations such as abandonment of carts and navigation, which often fail to receive the proper attention”, analyzes Felipe Rodrigues, founder and CEO of Sent 5 Platform specialized in tools and solutions to automate marketing for e-commerce. 

According to the executive, it is currently possible to have tools and platforms that directly assist in the implementation of strategies that increase sales by up to 50%. The secret, in Rodrigues' view, is the proper and combined use of available technologies. 

“If the e-commerce team knows how to combine the right tools, create campaigns and actions that have synergy with the consumer public and operate concretely the mechanisms to recover that customer who does not make his purchase, success is guaranteed!”, highlights. 

Felipe Rodrigues also points out 6 solutions that collaborate to automate marketing and help increase online sales 

- Email Marketing: it is one of the favorite tools of consumers for the relationship with the stores where they usually make their purchases, according to a survey by Opinion Box. Through this channel, it is possible to deliver personalized content to the customer, at a low cost, in a creative and effective way. The traditional, when well executed, produces relevant results. 

-Recuperator of Abandoned Trolleys: it is another tool that has already demonstrated its potential. The technology detects when a purchase is not made and the cart is abandoned and automatically issues special communications to the consumer, remembering about the selection made and, in some cases, offering discount coupons for the purchase to be completed. 

-Recompra Inteligente: it is a tool that will help especially the e-commerce that performs the sale of products of recurrent use. The solution operates based on a series of information, such as the estimated average time for the consumption of each product, the time interval between the purchases of the same item by a series of customers, as well as algorithms. Shortly before that item runs out in the customer's home, the tool makes a reminder that it is time to purchase it again. 

-Abandon of Navigation: automatically identifies and tracks the navigation flow of customers who access online stores.If the consumer abandons the purchase process even before adding the products to the shopping cart, the tool makes the determination of what was the item of interest and begins a marketing automation journey through which products are suggested by email, SMS, push in the browser and/or whatsapp. 

- Custom Trigger: it allows the sending of fully customized content to the customer, when the action makes sense, according to the communication strategy of the e-commerce. The information, fully personalized, is also forwarded to customers by whatsapp, SMS, email or push in the browser.

- PIX Recuperator: tool that operates in an automated way, through personalized triggers, and monitors orders whose selected form of payment is the PIX, in order to send customized reminders to the consumer, if he does not complete the purchase of that particular product or service, thus avoiding the loss of sales.

These technologies can add a lot to the sales performance of online stores, making life easier for e-commerce managers and marketing teams. Enviou's multichannel marketing automation platform offers all these integrated solutions, which simplifies the routine and monitoring of results, which can be checked through complete and detailed” reports, concludes Felipe Rodrigues, founder and CEO of Enviou.

Movimentos no delivery empolgam mercado, diz Abrasel

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Movimentos no delivery empolgam mercado, diz Abrasel

A Abrasel vê com otimismo a retomada do 99Food no mercado brasileiro de delivery, divulgada nesta semana. O retorno da plataforma representa um movimento relevante para o setor de alimentação fora do lar, que tem buscado ampliar a concorrência e reduzir a concentração nas entregas de refeições. 

A movimentação ocorre em um momento em que outras empresas também demonstram interesse no setor, como é o caso da chinesa Meituan, líder em entregas na China. A expectativa é que esse novo cenário pressione por um ambiente mais equilibrado, com maior diversidade de serviços e modelos de negócio.

Nos últimos anos, o delivery se consolidou como um canal estratégico para bares e restaurantes. Segundo pesquisa da Abrasel, 71% dos estabelecimentos fazem entregas, sendo que 78% destes recorrem a serviços por aplicativo, como o iFood.

Neste contexto de amplo domínio de mercado por parte de uma empresa, a chegada ou o retorno de novos agentes pode beneficiar tanto empresários quanto consumidores, ao ampliar as opções disponíveis, estimular a inovação e promover melhores condições comerciais.

“O mercado precisa de mais diversidade e de condições mais justas. É essencial remover barreiras que impedem a concorrência plena, criando um ambiente saudável para os negócios e benéfico para toda a sociedade”, afirma Paulo Solmucci, presidente executivo da Abrasel.

A entidade reforça seu compromisso com a construção de um ecossistema de delivery mais competitivo, transparente e sustentável, que estimule o empreendedorismo, a inovação e a melhoria contínua dos serviços prestados.

85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

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85% of SMEs seek credit to grow, not to pay debts, shows study by M3 Lending

Com previsão de oferecer R$ 50 milhões em crédito em 2025, a M3 Lending realizou um levantamento em sua base de dados para identificar o que está levando empresas a recorrerem a financiamentos. A startup constatou que a absoluta maioria dos motivos se refere à busca por capital de giro.

As empresas procuram a fintech para obtenção de recursos a serem aplicados na compra de um novo estoque (20%), abertura de novas unidades (25%), ampliação das instalações atuais (15%) e expansão das operações (40%). “São, assim, empresas buscando crédito para crescimento, para capital de giro, e não para quitar dívidas, por exemplo”, sublinha o CEO da M3, Gabriel Sousa César.

Dessa forma, a fintech consegue oferecer melhores condições de crédito – inclusive em comparação com os bancos convencionais. Para um mesmo caso, o montante colocado à disposição pode ser mais de 50% superior ao que uma instituição financeira tradicional ofereceria, calcula o CEO. A M3 tem ainda foco especial nas pequenas e médias empresas.

Em razão do uso intenso de tecnologia, a fintech aplica uma metodologia diferenciada para a concessão de crédito, o que viabiliza as condições mais vantajosas. Todo o fluxo é digital, por meio de aplicativo. “Isso permite operações sem burocracia, portanto com menores custos, o que significa juros mais baixos e zero spread bancário”, ressalta César.

Para as empresas tomadoras de crédito, o primeiro passo é enviar as informações sobre o pedido, que são analisadas por um comitê de crédito M3. Com o pedido e suas condições aprovados, a startup conecta a empresa a investidores interessados em aportar recursos no financiamento. Captados os aportes, o crédito é concedido.

Na outra ponta, os investidores também têm agilidade. Pelo aplicativo da M3, avaliam as oportunidades disponíveis e fazem sua escolha. Quando a empresa escolhida tem seu crédito aprovado, os investidores começam a ser remunerados, com base nas parcelas pagas pela empresa propriamente dita.

Um simulador digital, pelo site ou aplicativo da M3, permite às empresas compreenderem suas possibilidades de crédito. Dos investidores, não se exige grande montante de recursos: com apenas R$ 250 é possível iniciar aplicações.

Atualmente, já são mais de 2 mil pessoas conectadas à M3, tanto como tomadoras de crédito como investidores, informa o CEO. “É um modelo de financiamento mais inclusivo, conectando, de um lado, quem precisa de capital de giro, de outro, quem pretende investir, contribuindo com o crescimento das empresas.”

A M3 foi fundada em 2021, em Minas Gerais (Belo Horizonte). Até 2029, projeta alcançar a marca de R$ 600 milhões de transações.

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Inclusion and speed: the Brazil-Asia e-commerce revolution The growth of e-commerce in Brazil has been remarkable in recent years, driven by a combination of factors such as increased internet penetration, the rise of mobile technology, and a growing middle class with greater purchasing power. However, one of the most exciting developments in this sector is the burgeoning trade relationship between Brazil and Asia, particularly China. **Inclusion: Bridging the Gap** One of the key aspects of this revolution is the inclusion of a broader segment of the Brazilian population in the digital economy. Previously, many Brazilians, especially those in rural or underserved urban areas, faced significant barriers to accessing e-commerce platforms. These barriers included limited internet connectivity, lack of digital literacy, and insufficient payment infrastructure. Efforts to overcome these challenges have been multifaceted. Government initiatives, such as the National Plan for Broadband (PNBL), have aimed to expand internet access across the country. Additionally, partnerships between tech companies and local governments have facilitated the deployment of digital literacy programs, empowering individuals to navigate and utilize e-commerce platforms effectively. The collaboration between Brazilian and Asian e-commerce giants has also played a crucial role. Companies like Alibaba and JD.com have invested in Brazilian startups and local e-commerce platforms, providing them with the necessary technology and expertise to enhance their services. This collaboration has not only improved the user experience for Brazilian consumers but has also created opportunities for small and medium-sized enterprises (SMEs) to reach a global audience. **Speed: Accelerating Growth** The second pillar of this revolution is speed. The demand for faster delivery times has driven innovation in logistics and supply chain management. Brazilian e-commerce platforms have adopted advanced technologies such as artificial intelligence (AI) and machine learning to optimize delivery routes, reduce transit times, and enhance inventory management. Moreover, the partnership between Brazilian and Asian companies has led to the establishment of direct shipping routes, reducing the time it takes for products to travel from Asia to Brazil. This has been particularly beneficial for consumers, who now enjoy quicker access to a wide range of products, from electronics to fashion items. The integration of payment systems has also contributed to the speed of transactions. The adoption of digital wallets and mobile payment solutions has streamlined the purchasing process, making it more convenient and secure for consumers. Additionally, the use of blockchain technology for transaction verification has further enhanced the efficiency and transparency of e-commerce operations. **The Future of Brazil-Asia E-commerce** Looking ahead, the future of Brazil-Asia e-commerce appears promising. The continued growth of the digital economy in both regions presents numerous opportunities for collaboration and innovation. As more Brazilian consumers gain access to e-commerce platforms and as Asian companies continue to invest in the Brazilian market, the trade relationship between the two regions is likely to strengthen. Furthermore, the ongoing development of 5G technology is expected to revolutionize the e-commerce landscape even further. With faster internet speeds and lower latency, consumers will experience even greater convenience and speed in their online shopping experiences. This will not only enhance customer satisfaction but will also open up new possibilities for businesses to explore innovative marketing strategies and customer engagement techniques. In conclusion, the inclusion and speed driving the Brazil-Asia e-commerce revolution are transforming the way businesses operate and consumers shop. By bridging the digital divide and accelerating growth, this revolution is paving the way for a more inclusive and dynamic global economy.

Getnet reveals that Customer Week drives online sales with a 13.94% increase --- Here's a breakdown of the translation to ensure accuracy and natural flow: - "Semana do Cliente" translates to "Customer Week," maintaining the proper noun format. - "impulsiona" is accurately translated to "drives," conveying the action of boosting or stimulating. - "vendas online" directly translates to "online sales." - "com alta de" is translated to "with an increase of," preserving the meaning of a rise or growth. - The numerical value "13,94%" is kept as is, assuming it's a specific metric or code that doesn't require translation. - "revela Getnet" translates to "Getnet reveals," keeping the subject at the end of the sentence for natural English flow.

Digitalization and tokenization mark discussions at StartSe Payment Revolution Day 2025

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