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Serasa Experian makes new acquisition that should foster payroll loan market

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Serasa Experian makes new acquisition that should foster payroll loan market

In order to continue driving the credit journey in Brazil, Serasa Experian, the market leader in data technology, acquires the company SalaryFits, a reference in the benefits market and payroll lines that, in addition to connecting businesses and employees to Financial Institutions and Service Providers, enables payroll discount as a form of payment for products, services or credits offered on its platform.

The acquisition movement happens in line with the portfolio expansion strategy of Serasa Experian, which has the democratization of credit as one of its main pillars. Thus, companies unite their expertise to expand business models and services in order to deliver more information and transparency in the credit cycle and other products that have the payroll discount functionality.

According to the executive director of new business, Fabrini Fontes, from Serasa Experian, “we reinforce our purpose by constantly investing in new solutions that, in addition to enriching the credit ecosystem, manage risks and promote financial inclusion. Now, with the expertise of SalaryFits, which allows us to deliver more complete solutions to the entire chain, we will continue developing new solutions and optimizing offers that leverage the” payroll credit scenario.

Financial emergency? Payroll loans are important for 8 out of 10 workers

An unprecedented survey by SalaryFits revealed that, for 8 out of 10 workers in CLT (79%), payroll loans are good for meeting financial emergencies.In addition, according to the data collected, almost half of these workers, who act as CLT, have already hired the credit modality.

Despite this, another cut of the survey shows that 22% of respondents do not know how to access payroll, while 35% are still unaware of its operation. “With the data we identified that those who understand about payroll credit tend to enjoy its benefits and access a much more sustainable credit line. However, there is still a portion that has no affinity with the resource or even access to it & that needs attention. Bringing access and knowledge to people not only optimizes their financial health, as it is one of the ways to democratize access to credit in the country”, concludes D. Salber CEO.

Why are traditional institutions entering the cryptocurrency world?

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Why are traditional institutions entering the cryptocurrency world?

With the accelerated advancement of digital transformation, the adoption of cryptocurrencies by traditional companies such as PayPal and by influential figures such as Elon Musk, is not only redesigning the global financial landscape, but also raising important questions about security and reliability.On the one hand, the involvement of these institutions and personalities gives credibility to the cryptocurrency market, signaling that crypto assets are becoming an integral part of the modern financial system. 

However, this move also raises concerns about protecting users, given the history of volatility and cyber attacks in the industry. The central question is how these large corporations and influencers find a safe and reliable environment for digital transactions, which at the same time maintain innovation and decentralization, which are fundamental characteristics of cryptocurrencies.

Denise Cinelli, Chief Operating Officer (COO) of CryptoMKT, one of the largest crypto trading brokers in Latin America, shares insights into why major financial players are venturing into the crypto universe and what it means for user safety.

“We are witnessing a paradigm shift in which established financial institutions are embracing crypto assets as a form of diversification and innovation.PayPal, for example, has launched its own stablecoin, PayPal USD (PYUSD), signaling a growing trust in cryptocurrencies as a legitimate and secure financial tool”, Cinelli explains.

She also points out that the initiative by Elon Musk, who has been promoting a crypto narrative for years, reflects recognition of the power of these technologies to transform traditional forms of payment and transactions.“Musk sees cryptocurrencies as the future of decentralized finance, and their movements in this space only confirm this trend

It is clear that large companies and influential figures such as PayPal and Elon Musk would not risk entering the cryptocurrency market without being confident in the security of these transactions. One of the determining factors for this trust is the choice of a brokerage that offers a safe environment, with transparency in regulatory requirements and robustness in terms of cybersecurity. In addition, aspects such as good liquidity, high trading volume, a wide variety of available cryptocurrencies, advanced market analysis tools, different types of orders and agile and efficient support are essential to ensure the tranquility of users when conducting their transactions in the crypto market.

Cryptocurrencies: a path to more security?

Cinelli points out that despite concerns, new platforms developed by traditional companies bring more layers of security due to stricter regulations and audits.“Security has always been a central point in discussions about cryptocurrencies, and the involvement of these institutions helps build more trust in the market. Technologies such as blockchain and smart contracts are evolving to meet security demands, being a more transparent and agile alternative compared to traditional systems

In addition, the participation of gander companies and influencers have played a crucial role in breaking barriers and educating the public about the potential of cryptocurrencies. CryptoMKT follows this same direction, investing not only in security and regulation, but also in the commitment to financial education, helping to demystify the crypto market. The company seeks to empower users to make informed decisions, promoting a broader and safer adoption of crypto assets, thus facilitating the popularization of this new economic model.

The power of alternative strategies on Black Friday

Hugo Alvarenga
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The power of alternative strategies on Black Friday

At least six out of ten Brazilians expressed purchase intention during Black Friday this year, according to a survey released by Dito and Opinion Box. The number, which is already positive, may become even better if we consider that 35% of respondents reported being in doubt and will evaluate the attractiveness of the purchase options presented by brands.It is no wonder, therefore, that with the date approaching, also grows the expectation of the retail market to seek other ways to approach and conquer this share of the public. 

To achieve this goal, brands need to go beyond classic sales strategies (such as discounts and free shipping) and marketing by promoting content only on social networks. 

Today, the market itself already offers alternatives that generate a greater impact in this relationship involving brand and public, but that are often left aside. 

Indication work

One of the main examples is affiliate marketing, a strategy in which partners promote products or services of a brand in exchange for commissions for sales or actions made from recommendations. Such a proposal allows companies to expand the reach and sales without direct investment in advertising, since the payment is made only by results generated by affiliates.

To get an idea of the impact of the strategy, in the United States, affiliate marketing represents about 15% of total digital media revenue and 16% of e-commerce sales during the year. This reflects how crucial the method is, especially in times of high volume purchases, such as Black Friday. 

Thinking about the local situation, the tactic has gained strength. According to a report by Admitad, the number of affiliates in Brazil increased 8% last year.It is worth saying that retail dominates the expansion of the concept in the country, being responsible for 43% of the revenues of this market. 

In 2024, one of the big trends for Black Friday is the integration of artificial intelligence in affiliate campaigns. This is because the technology will be used to optimize content creation, target audiences more accurately and even predict consumption trends. Given the increase in sales forecasted on the date, this means that brands will be able to offer personalized and more relevant promotions to the public, maximizing conversions based on data collected and evaluated in real time.

In addition, more and more consumers are using virtual assistants to find offers, requiring an adaptation in SEO strategies to ensure that their promotions and products are the first to be listed in the searches.For Black Friday, this optimization can be an interesting competitive differential aimed at improving the performance of the affiliate and the partner brand. 

Influence of all sizes

Another essential aspect is the strategies aimed at social networks, especially with the support of micro and nano-influencers. Despite presenting smaller audiences, these creators tend to have high levels of engagement and trust, which makes them a sure bet for Black Friday. Their authentic recommendations, combined with exclusive offers, tend to generate a significant impact on sales. 

In line with this, it is important to keep in mind that the practice of influencer marketing is very powerful in Brazil, since the country is the world leader in the number of digital influencers on Instagram. According to Nielsen research, there are more than 10.5 million influencers with approximately one thousand followers on the network, as well as another 500 thousand with more than 10 thousand fans. 

Again, AI comes on the scene as a tool that makes it easier to match brands and content producers.In addition, it enhances the personalization of offers by adjusting them based on user behavior.

Money that comes and goes

Finally, cashback and coupon strategies remain popular, especially in periods of economic instability. Companies that promote these offers have a greater chance of attracting consumers seeking to maximize their discounts, since the benefit appears in evidence by the public among loyalty actions, in a survey released last year by the Brazilian Association of Loyalty Market Companies (Abemf). 

The truth is that Black Friday is a great opportunity to maximize sales. But for this you need to go further. Brands that invest in innovative strategies, such as affiliate marketing, the intelligent use of AI and the power of micro influencers, have a greater possibility of capturing the attention of consumers and expanding their revenues. 

New Webmotors campaign highlights peace of mind when trading vehicles on the platform

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New Webmotors campaign highlights peace of mind when trading vehicles on the platform

Webmotors, the largest automotive ecosystem in Brazil and the main business portal for the segment, announces the launch of the “Vem campaign to do business with”, which aims to amplify the main brand attributes that contribute to a secure transaction on the platform.

The proposal of the new campaign is to strengthen Webmotors as a reference in the perception of consumers as the best choice to buy, sell, finance or take care of the vehicle, highlighting some of the pillars of the company, such as safety, good usability, fee facilities and credibility.

“Our focus is on building a complete journey for the user, ensuring that each step of this process is marked by the trust and convenience that have always characterized the” platform, says Natalia Spigai, CMO of Webmotors. “We have been in the market for almost 30 years and we pride ourselves on facilitating the realization of one of the great dreams of Brazilians, to have a vehicle, and to provide solutions that meet their needs throughout the car cycle

48 Advertising pieces

The campaign counts with 48 Advertising pieces that will be disclosed throughout Brazil.In some states of the country, a differentiated and personalized communication will be worked. The campaign will be on the air until the beginning of November.

“Cada one of the pieces aims to strengthen the security in transactions by the automotive marketplace, in addition to the credibility of the brand Webmotors, which is a reference in this market”, Natalia.“We will also have a team of influencers to disseminate the central message of the action on social networks, validating the idea that will be transmitted by the campaign.”

The plan to promote the new campaign includes online and offline media lasting until the end of this month. 

Young entrepreneurship grows 23% in the last decade; initiatives encourage new talent

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Young entrepreneurship grows 23% in the last decade; initiatives encourage new talent

The number of young entrepreneurs in Brazil increased by 23% in the last decade, according to a survey by Sebrae, based on the National Survey by Continuous Household Sample (PNADc) of IBGE. The study analyzed the period between the last quarter of 2013 and the last three months of 2023, which reveals the growth of the participation of young people in the creation and management of businesses. At the end of 2023, young people between 18 and 29 years represented 16.5% of the approximately 30 million entrepreneurs in the country.

Given this scenario, junior companies have stood out as important entrepreneurship drivers among university students. Managed by students, these non-profit organizations offer practical experience and help develop small businesses across the country.

Second Elias Gabriel, Executive President of Brazil Junior (Brazilian Confederation of Junior Companies), junior companies create a unique opportunity for students to apply their theoretical knowledge in real projects, while providing quality services at affordable prices. 

He then explains how this model benefits both students and small businesses. 

What is a junior company and what is its role?

A junior company is a non-profit organization formed and managed by university students.The goal is to provide practical experience in their fields of study, as well as providing consulting and project development services to companies and society in general.

How are junior companies regulated in Brazil?

In Brazil, junior companies are regulated by Law 13,267, known as the Junior Company Law, sanctioned in 2016. This legislation formalizes the participation of universities and guarantees the necessary support for the operation of the EJs.

How do junior companies work in practice?These companies are organized into three levels: nuclei (regional), federations (state) and confederations (national). Each level supports and guides the junior companies linked to it, ensuring the quality of services provided and the continuous training of members.

How can a student join a junior company?

The student needs to be enrolled in a university registered in the movement of junior companies, which is coordinated by Brazil Junior. This ensures academic and practical support for him to act in real projects.

How does this experience impact the career of students?

Participating in a junior company allows students to apply what they learn at the university directly to the market.They develop management, teamwork and leadership skills, which are highly valued by the labor market.

Why should small businesses hire a junior company?

Junior companies offer high quality services at reduced prices, as the focus is on student learning.With the support of teachers and access to university laboratories, these projects maintain a high standard.

Who can hire the services of a junior company?

Anyone, company or entity can hire a junior company.Small and medium entrepreneurs usually find an excellent cost-benefit ratio in these services, with innovative and efficient projects.

What are the main benefits for those who hire? 

Junior companies offer quality services at a reduced cost, since they do not aim for profit.In addition, they bring innovation, with updated and efficient solutions, and contribute to the training of future professionals.Many projects also have a social impact, helping to solve community challenges.

How has the definition of purpose re-signified the concept of success in business?

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How has the definition of purpose re-signified the concept of success in business?

Great business leaders around the world are increasingly aware of the importance of aligning their business with great purposes, promoting in their companies far beyond well-being, career projection and financial results.In a global scenario, which broadens discussions about changes for a more sustainable life, the balance between personal needs, professional goals and social responsibilities, moves a growing search for the integration of more significant elements to corporate management. This trend reflects the need for parity between business success and a positive social impact, generating a new look at the definition of successful companies that now represent those who also act in building an organizational culture oriented by purposes to transform lives, and not only in competitive advantage or profit.

This triad of connection between body, mind and spirit has become a priority for contemporary society, uniting people and missions, from deeper and more relevant relationships, involving business and personal life. A Deloitte study on Human Sustainability, published in CEO World Magazine in June this year, revealed that 80% of business leaders believe that the physical, emotional and spiritual well-being of their followers are fundamental to organizational performance, a panorama confirmed by several groups and business communities today, who redefine the term “ corporate success”, from this vision.

C12 Brazil, for example, is one of these entities. It brings together Christian CEOs and entrepreneurs with the mission of empowering them to build great businesses for great purposes, disseminating the Gospel through their businesses, strengthening leaders with a focus on reflection and action, based on the principles of faith for prosperity in life and business. C12 began its activities in the United States in 1992 and, evidently, has presence in 5 continents, counting on more than 4,300 members worldwide, and conquering CEOs and leaders of organizations of the most diverse segments. Already in Brazil, the Incore has had presence in 20 continents, it has been present 20.

Thiago Nieweglowski (@thiagoniewe), CEO of C12 Brasil, invites Christian business leaders to participate in a journey of transformation: “The C12 Brazil Conference is an opportunity for Christian entrepreneurs to align their business strategies with a greater goal, strengthening their companies and impacting lives. We are able to transform not only our businesses, but also our communities and the world around us. The goal is to elevate our vision, strengthen our faith and expand our impact. This is the space for those who want to intentionally lead through Christ, building great companies that generate eternal results.”

The conference program includes lectures with topics that address personal and business development, health, innovation and the connection between spiritual and corporate life. Among the speakers are great names in the business development market, according to the schedule:

  • Lucas Hayashi's com Early Leadership: “Acting rather than reactING”, Bringing insights into how leaders can anticipate challenges and lead proactively.
  • Thiago and Louise Nieweglowski will argue How to build great businesses without sacrificing our families? addressing the balance between professional success and family life.
  • Julio Luchmann he'll give the lecture 360 Health applied to high performance in businessexploring how comprehensive health influences performance in companies.
  • Jorge Nishimura, do Jacto Group, will present Vision with Action, showing how to turn great ideas into reality.
  • Marco Silva and Thiago Nieweglowski they will share their vision about: The importance of authenticity and clarity of vision and purpose in the life of man.
  • Thais Akiyama and Louise Nieweglowski they'll lead the lecture Women: What is the role of women in Modern Society? highlighting the relevance of female protagonism in business.
  • Flavio Ratzke will address Psychological security: the key to strong relationships, reinforcing the importance of safe environments in organizations.
  • Braz Gondim will talk about: The role of failure and pain as part of the growth process, discussing the need for resilience to meet challenges.
  • Luciana Asper's will deal with the theme: Integrity as the foundation of business sustainability, highlighting the importance of ethics in building companies firmly.
  • Ismael Akiyama and Harold Schultz they will address the theme: From manual to automatic: how Artificial Intelligence is redefining business efficiency, an analysis of automation and technological innovation in business and;
  • Rafael Borges which will address the Economic Redemption.

“A C12 Brazil Conference will be a moment of renewal for Christian entrepreneurs who seek to grow as leaders while integrating Christian values into their companies. The event offers an opportunity for learning, exchange of experiences and strengthening connections between members, focusing on the use of business as a tool for spreading the Gospel”,” nieweglowski, CEO of C12 Brasil.

More information about C12 Brazil visit the official website www.c12brasil.com.br and for applications to the National Conference www.c12brasil.com.br/conference.

Mandatory declaration of cryptocurrencies to the Central Bank brings more control to the movements

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Mandatory declaration of cryptocurrencies to the Central Bank brings more control to the movements

Since the beginning of October, the Central Bank has demanded that Brazilian companies receiving foreign capital must declare cryptocurrencies to the Foreign Capital Information System of Foreign Direct Investment (SCE-IED). The objective is to give more transparency to international financial transactions, which brings even more control and lights a warning to business accounting.

“The argument is always to give more transparency to the movements, but in reality, the Central Bank always wants to have more control over financial operations. And this meets the obligation to identify the type of cryptocurrency in the statement of Income Tax”, says Luis Fernando Cabral, accountant specializing in accounting for investments, Trader's Accountant.The platform for the report is in the Central Bank because, since 2023, the Legal Framework of Cryptocurrencies has defined the agency as a regulator of the sector.

With this registration at the Central Bank, it is possible to monitor and control the flows of foreign capital entering Brazil from crypto assets, not only enabling statistics and information, but, above all, the crossing of data with the Federal Revenue and, consequently, greater rigor and control in the collection of taxes and tributes. “Agora, the accounting of companies will need to be even more attentive, so as not to miss some important data, remain without informing and still run the risk of penalties in possible inspections”, emphasizes Luis Fernando.

Before that, there was no procedure for registering this capital via crypto assets. Thus, investors, particularly entrepreneurs, did not record the entry of this type of capital.“In addition to solving an investment registration gap for the entrepreneur, the Central Bank at the same time provides a tool to the IRS that will allow cross-referencing data and information at the time of the” statements, the expert points out.

PagBank and influencer Ruan Juliet promote special action for Rocinha Children's Day (RJ)

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PagBank and influencer Ruan Juliet promote special action for Rocinha Children's Day (RJ)

PagBank, a complete digital bank in financial services and means of payments, elected the best PJ account by the iDinheiro portal and one of the main digital banks in Brazil, in partnership with the influencer Ruan Juliet, held last Saturday (12) a special event in celebration of Children's Day in the Rocinha Favela. The action is part of PagBank's commitment to generate financial inclusion in the country.

As a way to reinforce this commitment, PagBank distributed units of the Super Real Estate Bank, recently launched by the digital bank in partnership with Estrela. The special version of the classic board game replaces the colored paper notes, which represented money, by, toy cards that represent the credit and debit versions, and a payment machine also toy, providing entertainment and learning about finances for people of all ages.

“Having access to financial education is essential for children to start having a healthy relationship with money from an early age and, therefore, actions like this are so relevant, especially in regions where this access is usually lower”, comments Raphael Farias, executive director of Marketing at PagBank. “By giving children the Super Real Estate Bank, we were able to unite fun and education, making perfect sense on this special date, where we want to stimulate them on basic concepts of finance, the value of money and financial planning, while having fun, adds Farias.

Another highlight of the action was the partnership with Ruan Juliet, active voice in Rocinha and social networks, with more than 500 thousand followers.Recognized for his work for the community, Ruan has a central role in the interaction with residents, especially young people, transmitting messages of inspiration and motivation for everyone to fight for their personal and professional goals.

During the festival, the children had several recreational activities, such as games, sweepstakes and musical performances, becoming a celebration environment for children and their families.

One of the largest digital banks in the country in number of customers, PagBank offers tools for face-to-face and online sales, complete digital account for individuals and legal entities, automatic investment and CDBs certified with a rating brAAA by S&P and rating AAA.br by Moody’s, with income up to 130% of CDI 3 with redemption at any time and investments by objectives, in addition to functionalities that contribute to financial management, such as Payroll of Payments. In PagBank, the credit card has a guaranteed limit and investments become a limit for the card itself, enhancing the earnings of the customers, in addition to be paid in the Payroll in addition to the Payments of the Payments of the active market, in addition to be able to be able to be paid out of the Payments of the Payments 1, in addition to be able to be able to be paid in addition to the Payable 1. click here. 

Effective digital marketing for realtors: tips to increase your sales and visibility

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Effective digital marketing for realtors: tips to increase your sales and visibility

In the real estate market, digital transformation has been one of the main factors for the success of realtors. From the creation of an effective website to the intelligent use of social networks, mastering digital marketing is essential for those who want to stand out. It is with this focus that the Brazilian Institute of Professional Education (IBREP) offers disciplines focused on real estate marketing and prepares professionals to optimize their sales and improve the quality of the services offered.

“Our course was developed with the objective of training brokers prepared for the challenges of the current market.We know that digital marketing is a powerful tool to reach customers in a more strategic way, so we include a specific discipline of Marketing. In it, we approach from the main communication tools to effective strategies to advertise real estate on social networks”, says Diogo Martins, CEO of IBREP. The course includes, among other practices, the creation of optimized websites, the use of targeted ads and the implementation of virtual tours, which expand the range of offers and increase the chances of conversion.

Rafael Landa, professor of Marketing and Sales in Practice at IBREP, points out that it is essential that brokers adopt a strategic posture. “In IBREP, we teach how to position themselves digitally, understand the customer and use social networks as an effective showcase. The creation of attractive content, with targeted ads and the use of virtual tour, can make a difference in the decision of the ACHR buyer, explains the professor. According to him, digital marketing for brokers goes beyond traditional sales techniques, because it is necessary for the professional to generate trust through authentic communication and personalization of service.

Check out the top tips to stand out in digital marketing in the real estate market:

Digital positioning and creative contentAccording to the professor, it is essential to create a solid presence on social networks and other digital platforms. “Use your website and social networks as showcases for real estate, ensuring a good visual presentation and clear information”, Landa explains that the professional needs to create relevant content that adds value to the customer, rather than focusing only on sales. In addition, by producing relevant content, your audience can understand more about the real estate market and, at the same time, your authority is strengthened in the segment.

Strategic use of social networksUse social media to build a relationship with the customer and create authentic and constant communication. It is important to take advantage of the features of platforms, such as paid ads and targeting, to reach the right audience.

Virtual Tour of Real EstateRafael points out during the classes that another way to stand out is through the immersive experience with virtual tours of the properties. According to him, this allows customers to explore the properties interactively and remotely.

Segmented online adsOnline ads are one of the main digital marketing tools for realtors and allow you to reach a wider audience and at the same time highly targeted. Using platforms such as Google Ads and Facebook Ads, you can create targeted campaigns based on factors such as geographic location, specific interests and search behavior of potential customers. This segmentation helps to optimize marketing efforts, directly reaching the most relevant audience and thereby increase the chances of conversion.

Search engine optimization (SEO)One of the main digital marketing strategies for realtors is to ensure that your website is optimized for search engines.By using relevant keywords in the content, you increase the visibility of the website by making it easier for users who are actively searching for properties to rent or with

Brazilians ride in self-driving car and launch AI tool in Silicon Valley

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Brazilians ride in self-driving car and launch AI tool in Silicon Valley

Between October 7 and 10, a group of 26 Brazilian entrepreneurs and professionals from the areas of technology, media, law and education participated in an unprecedented four-day immersion in Silicon Valley, one of the most innovative regions in the world. The event, promoted by Viva Experience, a business immersion company, provided participants with a dive into the main scenarios of technological development, startups, big techs and US investments.

The program included visits to leading institutions and lectures with global leaders and brazilians who work at the heart of the California technology ecosystem. The immersion began with a morning at Plug and Play, an accelerator that boosted giants such as Uber, Rappi and HubSpot. During the visit, the the group witnessed the launch of a new artificial intelligence tool developed in Brazil, Reinforcing the growing importance of AI for global innovation.

“A immersion was structured in four axes: academic, startups, big techs, and investments and venture capital.We believe that these experiences bring not only technical knowledge, but also a strategic vision on how to lead transformations in the most varied” markets, says Rodrigo Costa, partner at Viva Experience. 

Academic Connection and Global Investment Vision

The program also offered participants an academic perspective, with a visit to the Skydeck, innovation center at the University of Berkeley. The group was received by the center director George Panagiotakopoulos, which presented an overview of innovation investments in the United States and made comparisons with the markets of Asia, Europe and Latin America, offering a broad view of global opportunities and challenges. To facilitate understanding, participants relied on simultaneous translation.

Another highlight was the class taught by Flavio Feferman, a Brazilian who twice won the title of best professor at Berkeley. Feferman addressed topics such as business, entrepreneurship and innovation, and entrepreneurs had the opportunity to ask questions about their own industries and specific scenarios.

The group also visited the Stanford University, where they were lucky enough to meet David Kelley, creator of design thinking, by accident. 

Robotic Entrepreneurship and Experience with AI

During the immersion of Viva Experience, the group also met the Circuit Launch, world reference center in robotics and artificial intelligence. Led by the Brazilian Alex Dantas, founder of the initiative, the visit provided participants with a vision of the future of robotics and AI. 

The center is home to about 80 startups and is at the forefront of technological innovations that will still hit the market, such as AI applications by molecules and membranes.The group was briefed on the expansion plans of Circuit Launch, which will collaborate with Singularity to create a new space in Mountain View.

M&A and Venture Capital Insights

In the field of investments, entrepreneurs had the chance to participate in a conversation with the lawyer Andre Thiollierpartner at Foley & Lardner, who offered insights into the M&A and venture capital scenario in Silicon Valleythiollier detailed strategies for capturing investments, as well as discussing mergers and acquisitions trends in the American market.

The immersion also provided meetings with key executives in the technology sector. Rodrigo Vale, creator of a search engine sold to Google in 2005 and now a data engineer at the tech giant, shared his experiences independently, emphasizing the importance of data analysis for the future of business. Vale participated in the immersion independently and not as a representative of big tech.

However, after the conversation with the Brazilian, the group went to Google headquarters for a conversation with an executive with passages by Spotify, Netflix and who currently works on projects on YouTube. He talked to the Viva Experience group about the behind the scenes of technological innovations.

At Apple Park, the visit to Apple's headquarters was also marked by discussions about product innovation, focusing on the company's strategies to maintain its position as a market leader.

Autonomy in Motion and Cinema in California

In addition to big techs, the group has had a remarkable experience when riding in autonomous vehicles Waymo, demonstrating in practice the future of urban mobility. To end the immersion, the group participated in a conversation with Julian Lapenda, president of the Beverly Hills Film Festival, which presented an overview of the California film market and its relations with technology, and went to the Apex Brazil to learn about internationalization of business and global opportunities.

Next Classes

In addition to immersion for Silicon Valley, Viva Experience also offers programs to New York, one focused on NRF and Big Apple concept stores and another focused on the financial and technology landscape; Orlando, to Disney Parks and Harley Davidson, directed to entrepreneurship and experience; and Boston, where participants visit renowned institutions such as Harvard, MIT and Babson, focusing on entrepreneurship and technology.

“Essa was a unique opportunity for Brazilian entrepreneurs to connect with the global innovation ecosystem, returning to Brazil with a renewed vision and practical insights to implement in their own business”, says Carolina Livolis, partner at Viva Experience. 

Viva Experience also carries out private missions, for companies or closed groups, with a personalized schedule.

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