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The Third Dimension of Well-being: Why Social Health is the New Priority for Competitive Companies

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The Third Dimension of Well-being: Why Social Health is the New Priority for Competitive Companies

For years, corporate wellness programs have focused primarily on physical and mental health, offering benefits such as gyms, therapy sessions, guided meditation, and expanded health plans. But a new pillar is starting to gain traction in the strategies of the most innovative companies: social health.

The concept, highlighted at global events like SXSW and gaining traction in international organizations, stems from the idea that the quality of social connections within the workplace has a direct impact on mental, physical health, and even professional performance.

"The lack of significant social connections in the corporate environment can lead to isolation, increase the risk of illness, and compromise both motivation and talent retention. Conversely, teams that cultivate healthy interactions demonstrate more creativity, collaboration, and engagement," explains Eliane Aere, president of ABRH-SP.

In Brazil, ABRH-SP, a benchmark in discussions of human resource management trends, points out that social well-being is starting to be seen as the third dimension of well-being, alongside physical and mental health. This includes practices such as:

  • Integration and belonging programs for new hires;
  • Affinity networks that strengthen diversity and inclusion;
  • Corporate volunteer initiatives, which strengthen social ties within and outside the company;
  • Policies that encourage coexistence and collaboration, in hybrid or in-person models.

According to the association, Brazilian companies will face the challenge of incorporating social health in a structured way into their HR agendas, understanding that interpersonal relationships are not just an "extra," but a strategic component of well-being and organizational competitiveness.

"Until recently, we talked about mental health as the new focus. Now, we see a further step: understanding that humans are inherently social beings, and that healthy workplace relationships are crucial for overall well-being," emphasizes Aere.

With the advancement of this trend, the future of corporate well-being in Brazil should expand to include strategies that promote belonging, support networks, and human connections, solidifying social health as a priority on companies' agendas.

Five tips to increase conversions with virtual catalogs on WhatsApp

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Five tips to increase conversions with virtual catalogs on WhatsApp

The advancement of business digitalization and the popularization of conversational commerce have consolidated WhatsApp as one of the main sales channels in Brazil. According to a survey by We Are Social (2024), 96% of Brazilians use the application daily, while a study by SEBRAE (2023) shows that 72% of small businesses already adopt it as the main sales tool.

Therefore, specialized platforms have been gaining space by offering solutions that enhance the use of the application for conversion. According to Andre Campos, CEO of Vendizap, the company interface was developed to turn each interaction into a personalized sale on WhatsApp. “A Vendizap can be used by any company that wants to start or optimize its online sales. But it is especially suitable for those who already sell and seek to scale with organization, need agility in service, greater control over orders and more conversions on WhatsApp, regardless of the” segment, he explains.

Internal company reports show that retailers using integrated catalogs convert up to 30% more than those who work only with single messages.“Our purpose is to support entrepreneurs who want to digitize their business without relying on marketplaces or complex websites, using a tool that is already part of their daily lives, WhatsApp”, he adds Fields.

Next, check out the expert's tips to boost results with virtual catalogs:

1. Create your community on WhatsApp: create groups with loyal and interested customers. Offer exclusive content, flash promotions and share behind the scenes of the business. The proximity strengthens the bond and generates trust.

2. Use Instagram and Facebook as daily catalog: feed your social networks with products, testimonials and behind-the-scenes. Explore Reels, Stories and polls to engage.“If you only post product, you become a digital flyer.People want connection, not just” price, he says Fields.

3. Put your store on the map with Google My Business: create a free profile, keep schedules and photos up to date, and encourage customer reviews.“Who search on Google is ready to buy. This is the hottest traffic there is” CEO of Vendizap.

4. Highlight key products with visual appeal: value strategic catalog items using quality images and markers like “best selling” or “week promotion”. This directs customer attention and elevates the chances of conversion.

5. Treat the catalog as an active sales tool: do not use it only as a digital catalog. Send it regularly to lists and customer groups, customizing according to the consumption profile. Frequent updates strengthen the relationship and increase the recurrence of purchase.

6. Measure and adjust always: track metrics such as opens and clicks on links. Tools such as Flipsnack, Linklist or trackable PDFs allow you to identify what engages you most and continuously improve the catalog.

The guidelines reinforce that success in digital sales depends both on good tools and on the way the entrepreneur relates to his customers Andre Campos highlights the importance of seeing WhatsApp as more than a messaging channel. “These practices show that selling on the application goes far beyond answering messages.When the entrepreneur creates community, positions himself in the networks, appears in Google, organizes his catalog and measures results, he turns the application into a relationship channel and recurring sales”, he concludes. 

From data to insight: AI in document governance and risk analysis

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From data to insight: AI in document governance and risk analysis

Artificial intelligence has ceased to be just an automation tool to become a strategic component in document management. What was once limited to OCR (optical character recognition) and the digitization of files has now evolved into systems capable of interpreting content, identifying non-conformities, and even predicting operational and legal risks. In regulated sectors such as finance, healthcare, and energy, this transformation means not only efficiency but also regulatory security and resilience in the face of increasingly complex environments.

This allows, for example, to automatically classify and index files according to their content and type, eliminating manual indexing. Queries that once depended on exact keywords can now be semantic – the AI understands the meaning of the request and locates information even if it is described differently. In summary, we have moved from an era where documents were merely "digitized" to one where they are interpreted by the machine.

Even more revolutionary has been the leap towards predictive analytics. Instead of reacting to errors or fraud after the fact, organizations are adopting AI to predict future risks based on historical patterns. Machine learning predictive models sift through past data – transactions, records, incidents – to identify subtle signs of potential problems. Often, these signs would be missed by conventional analysis, but AI can correlate complex variables and anticipate operational, financial, regulatory, or reputational risks.

In contract and legal management, AI also demonstrates its predictive power. Contract analysis tools identify atypical clauses or anomalous patterns in the documents that historically lead to legal disputes, signaling these issues before a problem even occurs. Thus, the company can renegotiate or correct questionable contractual terms in advance, minimizing legal risks and avoiding costly litigation.

Applications in the Financial Sector

In the Financial sector, where compliance and risk management go hand in hand, AI has become an indispensable ally. Banks use AI to monitor documents and transactions in real-time, cross-referencing customer data, contracts, and operations to look for signs of irregularity. This includes everything from verifying forms to auditing internal communications, ensuring that procedures are being followed to the letter.

A concrete example is the use of AI by financial institutions in the automated monitoring of suspicious operations, anticipating fraud and money laundering risks based on behavioral analysis of data. In regulatory compliance, natural language systems read regulatory updates and summarize legislative changes in clear language, allowing teams to adjust quickly and avoid sanctions.

These approaches increase the detection rate of issues and reduce audit costs. In fact, McKinsey estimates that the structured application of AI in risk functions is already reducing operational losses and significantly improving compliance efficiency in finance.

Optimizations in Health

In the healthcare sector, AI is optimizing both clinical record management and administrative processes. Hospitals handle medical records, reports, referral forms, and a multitude of documents – where one error can mean anything from breaches of privacy regulations to lost revenue. AI tools can extract data from medical records and tests to automatically verify whether procedures and charges are properly justified in the medical records, reducing the risk of inquiries or audits.

Furthermore, AI has been revolutionizing the fight against medical write-offs: through predictive analysis of billing history, it identifies factors correlated with plan denials – for example, a missing ICD code that would increase the chance of a write-off by 30% – and flags the account at risk before submission. According to the Hospital Association, the use of AI can reduce hospital write-offs by up to 30%, in addition to bringing more speed and transparency to the billing cycle.

Another benefit lies in the security of sensitive data: algorithms monitor access to medical records and ensure compliance with laws such as the LGPD, detecting improper uses of patient information.

Legal: Litigation prevention with predictive contract analysis

In the legal environment, artificial intelligence is transforming the way contracts and legal documents are managed. More than just supporting manual review, contract analysis algorithms use machine learning and natural language processing techniques to identify risk clauses, unusual patterns, and drafting inconsistencies that, in the company's or industry's history, often result in legal disputes. By signaling these critical points in advance, AI allows for preventive adjustments — whether in renegotiating terms, standardizing language, or ensuring compliance with current regulations.

This predictive use significantly reduces the likelihood of costly and time-consuming litigation, while also offering continuous legal certainty. In highly regulated sectors, such as finance and healthcare, the automated analysis of contracts helps to verify whether clauses comply with legislation like the LGPD or with specific requirements of regulatory agencies, avoiding sanctions. In areas like infrastructure and energy, where contracts are long and complex, AI facilitates the detection of poorly defined obligations or conflicts of responsibility that could generate future lawsuits.

By integrating predictive tools into contract management, organizations not only gain efficiency but also elevate legal governance to a strategic level, where decisions cease to be reactive and become based on intelligent and continuous monitoring.

More than a trend, the integration of AI into document processes has become a competitive necessity. In sectors filled with norms and obligations, it is no longer enough to organize files – it is necessary to extract intelligence from them. And that is exactly what AI provides: the ability to transform documents into actionable insights, identifying patterns of non-compliance and anticipating problems before they become crises. Ultimately, from basic OCR to advanced predictive analysis, AI is redefining document management from a merely operational role to a strategic role in the risk management of organizations. The future of document management has already arrived, and it is intelligent and proactive.

Payments Summit: EBANX Announces AI Solutions, Stablecoins, Payout Features, and Expansion into the Philippines

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Payments Summit: EBANX Announces AI Solutions, Stablecoins, Payout Features, and Expansion into the Philippines

The EBANX, empresa global de tecnologia especializada em serviços de pagamentos transfronteiriços para mercados emergentes, apresentou uma nova geração de produtos desenvolvidos para fortalecer as operações de empresas globais que atuam na América Latina, África, Índia e Sudeste Asiático. As principais novidades são a inclusão de stablecoins como método de pagamento, ferramentas de inteligência artificial que aumentam a eficiência e a segurança das transações digitais, e sistemas de payouts instantâneos através de redes de pagamento local. O EBANX também anunciou a expansão da empresa para as Filipinas com a integração das duas carteiras digitais líderes de mercado no país.

Os anúncios foram feitos no EBANX Payments Summit, um dos principais eventos da indústria global de pagamentos, realizado entre 17 e 20 de setembro, na Cidade do México.

“Os mercados emergentes são o futuro do comércio digital, e nós estamos construindo a infraestrutura que vai tornar esse futuro acessível a empresas e consumidores do mundo todo”, disse João Del Valle, CEO e Cofundador do EBANX. “Nosso investimento em novos produtos e o comprometimento em levá-los para novos mercados refletem nossa visão de um mundo onde qualquer empresa possa atender qualquer consumidor, não importa onde ele esteja ou como prefira pagar”, acrescenta.
 

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João Del Valle no EBANX Payments Summit 2025 (EBANX/Divulgação)

Pagamento e liquidação com stablecoins
Em breve, empresas globais que operam em mercados emergentes poderão aceitar pagamentos em stablecoin através do EBANX, com a opção de receber o valor em USDC, USDT ou nas moedas tradicionais que já estão integradas à plataforma. Essa solução torna o comércio internacional mais rápido, confiável e flexível, principalmente em regiões onde o sistema bancário é fragmentado ou pouco eficiente.

“O EBANX oferece a velocidade do blockchain com a conveniência do sistema financeiro tradicional, permitindo que empresas globais acessem novos mercados mais rapidamente, com liquidações simplificadas e sem barreiras de infraestrutura”, explicou Eduardo de Abreu, Vice-Presidente de Produto do EBANX. “Stablecoins estão se tornando o primeiro método de pagamento verdadeiramente global; o impacto dessas moedas digitais é ainda maior em economias emergentes, com a adoção mais acelerada do que em qualquer outro lugar do mundo”.

A América Latina é exemplo dessa mudança: 71% das instituições financeiras da região já usam stablecoins para fazer pagamentos em outros países, segundo a plataforma Fireblocks. A média global é de 49%. No Brasil, o total das transações locais com essas moedas digitais disparou 208% em um ano. Na Argentina, stablecoins já representam 62% do volume total de transações e estão ajudando consumidores e empresas a navegar pela volatilidade das moedas tradicionais, de acordo com dados da Chainalysis, empresa de análise de blockchain. O instituto de pesquisa FXC Intelligence estima que o valor total endereçável (TAM, Total Addressable Market, em inglês) para pagamentos transfronteiriços usando stablecoins se aproxima de USD 24 trilhões em economias de alto crescimento.

A chegada de stablecoins ao EBANX torna o portfólio da empresa ainda mais completo. No total, são mais de 200 métodos de pagamento integrados à plataforma, permitindo que empresas de todo o mundo tenham a flexibilidade de receber em USDC, USDT, dólares americanos, euros ou moedas locais. Todas as opções são oferecidas com liquidação rápida e suporte regulatório.

Artificial intelligence
No Summit, o EBANX apresentou três novas ferramentas de inteligência artificial para elevar taxas de aprovação, reduzir riscos e produzir análises importantes para um crescimento sustentável. A primeira delas é um sistema de detecção de fraudes que usa modelos de IA para analisar mais de 100 variáveis de dados por transação em tempo real, gerando um índice de probabilidade que orienta decisões de aprovação. No Brasil, empresas globais usando essa nova funcionalidade viram um aumento de mais de quatro pontos percentuais na aprovação de pagamento com cartões sem elevar as taxas de estorno.

A segunda ferramenta é um sistema de roteamento inteligente baseado em IA. O produto é capaz de avaliar o nível de risco e o contexto de cada transação antes de escolher a melhor combinação de adquirente e ID do comerciante (Merchant ID ou MID, em inglês). Dessa forma, ele consegue se adaptar de forma dinâmica a mudanças em condições do mercado, comportamento do emissor e performance da rede. Em um grupo de mais de 170 empresas que já usaram essa tecnologia do EBANX, as taxas de aprovação subiram em até 10 pontos percentuais.

Por último, o EBANX anunciou sua nova Área do Merchant, um painel alimentado por IA que oferece a empresas globais uma gestão de pagamentos inteligente e adaptada para cada região. “Ao combinar inteligência artificial feita para os mercados onde atuamos com a experiência e o conhecimento prático dos nossos especialistas locais, o EBANX foi capaz de desenvolver soluções únicas e específicas para cada região, resolvendo desafios de cada país em escala global”, destacou João Del Valle.

Expansão para as Filipinas
Presente em mais de 20 mercados da América Latina, África e Índia, o EBANX anunciou no Summit sua chegada às Filipinas, país com uma população de 118 milhões de pessoas. Essa expansão estratégica para o Sudeste Asiático abre as portas para empresas globais alcançarem uma das economias digitais que mais crescem na região.

“Ao mesmo tempo em que oferecem grande potencial, com o e-commerce projetado para dobrar em três anos, as Filipinas trazem desafios que sabemos como resolver, como a baixa penetração de cartões de crédito. Essa combinação é favorável para que o EBANX e nossos parceiros cresçam no país de forma bem-sucedida”, afirmou Del Valle.

De acordo com dados da instituição de pesquisa Payments and Commerce Market Intelligence (PCMI) analisados pelo EBANX, o comércio digital das Filipinas deve crescer de USD 36 bilhões em 2025 para USD 61 bilhões em 2028, impulsionado por uma das populações mais conectadas do mundo. Segundo a plataforma Statist, 98% dos filipinos têm acesso à internet.

Em um país onde o World Bank estima que apenas 3% das pessoas possuem cartão de crédito, as carteiras digitais se tornaram o método de pagamento mais usado para compras online, com participação de mercado de 38% e crescimento projetado de 28% em três anos, bem acima da média global de 15% a 20%, de acordo com dados da PCMI.

O EBANX integrou as duas carteiras digitais mais populares das Filipinas, GCash e Maya, que juntas possuem mais de 136 milhões de contas, superando o número de pessoas no país. A partir de agora, empresas globais podem oferecer as duas opções de pagamento pelo EBANX, permitindo que consumidores locais paguem em pesos filipinos (PHP). A liquidação pode ser feita em dólares americanos, sem a necessidade de estabelecimento de entidade legal na região.

Payout e Payment Bundles
A linha de produtos apresentada no Summit do México inclui o EBANX Payout, uma solução que permite a empresas globais realizar pagamentos instantâneos para parceiros, vendedores e beneficiários em mercados emergentes usando moeda local por meio de redes domésticas, como o Pix no Brasil e Nequi na Colômbia, e também sem precisar ter entidade local.

Desenvolvido para operações de alto volume, o EBANX Payout integra a oferta de pagamentos da companhia, combinando as capacidades de pagar e receber em uma solução completa para empresas globais que operam em mercados emergentes. Esse novo produto automatiza pagamentos individuais e em lote, apresentando taxa média de aprovação de 97% e processamento inferior a 30 segundos. O EBANX Payout já é utilizado por companhias globais, incluindo plataformas de redes sociais que dependem da solução para remunerar criadores de conteúdo em mercados emergentes.

O EBANX também revelou seus novos Payment Bundles, que são uma solução para simplificar a forma como empresas globais vendem e crescem em países emergentes. “Em vez de habilitar métodos de pagamento um por um, as empresas agora podem acessar pacotes de pagamentos. Cada um deles foi desenhado para atingir um objetivo específico de negócio, seja trazer mais clientes ou gerar receita constante e recorrente”, explicou Eduardo de Abreu.

Através de quatro pacotes e uma única integração de API, empresas globais conseguem acessar até 1 bilhão de consumidores com o EBANX. Os Payment Bundles reúnem métodos como pagamentos instantâneos, boletos, cartões, transferências bancárias e carteiras digitais, além de pagamentos recorrentes. “Esse modelo elimina a complexidade de implementações fragmentadas, reduz os esforços de desenvolvimento, acelera a entrada de mercado, e maximiza o potencial de receita”, disse Abreu.

UOL, NEOOH and helloo launch unprecedented and multiplatform advertising project “Futebol and High Impact”

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UOL, NEOOH, and helloo launch unprecedented multi-platform advertising project, "Football and High Impact"

The UOL, largest Brazilian content, technology and digital services company, along with the NEOOH and hhelloo, leaders in out of home media, launched the project in a face-to-face event in Sao Paulo “Football and High Impact”. The initiative, unprecedented in the advertising market, brings together the best content of football 2026 in a multiplatform proposal, present in digital, social networks, CTV, PayTV, OOH and live experiences. 

The synergy between the companies ensures a media plan with more than 30 billion impacts throughout the campaign. “The brands will be with us throughout this journey, side by side with the public and far beyond the 90 minutes of each match. UOL contributes to its journalistic credibility and the strength of a massive audience, offering information, entertainment and celebration on all screens. Our goal is to broaden the connection points between emotion and brands, making the tournament experience even more complete”, says Paulo Samia, CEO of UOL. 

“Football and High Impact” it has the weight coverage of UOL, with its main sports programs, such as UOL News Sport, End of Chat, First and Ownership of Ball, led by recognized talents of sports journalism.  

In addition to daily coverage, production will be intensified with exclusive content for social networks, such as specials about athletes, competition curiosities, hunches and even an influencer-commentator created by artificial intelligence. All this content will be deployed on Instagram, TikTok, Kwai, UOL Flash and WhatsApp. 

The project also connects with fans in live experiences, in a partnership with Torcida N1, the most traditional cabin in the country, the games of Brazil will win unforgettable parties, with shows and brand activations that will have exclusive coverage of UOL and participation of influencers. 

The distribution gains even more strength with NEOOH, present in more than 45 thousand screens throughout Brazil. 

“With NEOOH, we bring the experience to airports, parks, gyms, transportation terminals and offices throughout the country, creating an environment of direct and constant contact with millions of Brazilians. Our mission is to offer brands the opportunity to be present at strategic moments for the audience. This is a project that unites three large companies, in which one complements the other, enabling an unprecedented delivery in the advertising market”, says Leonardo Chebly, CEO of NEOOH. 

In the living and leisure spaces, helloo complements the strategy with screens in more than 110 malls, airports and another 15 thousand in residential condominiums, as well as activations with special projects and external media. “Na helloo, we have built a unique OOH media ecosystem in the country, which reaches more than 46 million people per month, from north to south of Brazil. Football is a national passion, and more than telling about the Cup, Rafa, we connect brands to this energy in places where people live and relate. It is in this proximity environment that brands can create genuine connections with millions of fans, Sa. 

The project has 22 sponsorship quotas, distributed in four categories: master, gold, silver and bronze. 

The Integration between Compliance Programs and the General Data Protection Law

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The Integration between Compliance Programs and the General Data Protection Law

The increasing complexity of legal and commercial relations in contemporary society compels organizations to adopt structured mechanisms for internal control and normative compliance. In this scenario, the implementation of compliance programs becomes an essential instrument to ensure adherence to laws, regulations, ethical standards, and internal policies.

With the enactment of Law No. 13,709/2018 (General Data Protection Law – LGPD), the Brazilian legal system now has a new regime aimed at protecting privacy and personal data, imposing specific obligations on all processing agents.

 In this context, the intersection between compliance and LGPD proves inevitable. Compliance with the LGPD is not merely a technical requirement, but a true legal duty. Non-compliance can lead to administrative, civil, and in certain situations, even criminal liability, in addition to causing serious damage to the institutional reputation of the company that fails to adhere to these parameters.

Thus, it is fundamental that compliance programs are fully aligned with LGPD guidelines, aiming to mitigate risks related to the processing of personal data. The implementation of internal controls, the consolidation of an ethical culture, and the adoption of good business practices are essential pillars for preventing the illicit leakage of data and ensuring legal compliance.

In this regard, for a company to be aligned with the guidelines of the General Data Protection Law (LGPD) and a Compliance program, it is necessary to adopt a series of fundamental measures. Among these, the following stand out: mapping and documenting all personal data processed by the organization, covering its collection, storage, and disposal; developing clear and accessible privacy policies and terms of use that precisely inform how data is collected, used, and protected; creating a service channel for data subjects, enabling the exercise of their rights, such as access, correction, deletion, portability, and revocation of consent; continuous training of employees on data protection and good security practices, promoting a culture of ethics in information handling and incident prevention; establishing effective procedures for responding to security incidents, allowing for rapid and structured action in cases of leaks or undue access, with containment actions, risk assessment, and communication to authorities and data subjects; and, finally, conducting periodic internal audits to assess continuous compliance and ensure that legal guidelines are being effectively met.       

 In other words, data governance, in turn, involves defining processes, policies, and structures responsible for the secure and effective management of data within the organization. However, conversely, when this governance is not articulated with compliance, a problem arises, which can compromise both legal certainty and the company's reputation.

Therefore, the integration between data governance and compliance is not just recommended, but a necessity for organizations seeking to operate with integrity, responsibility, and in accordance with legal and ethical requirements.

Amanda Batista Fernandes Segala is an attorney at Rücker Curi Advocacia e Consultoria Jurídica.

Simples Nacional encompasses 72.5% of active Brazilian companies in 2025, IBPT study indicates.

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Simples Nacional encompasses 72.5% of active Brazilian companies in 2025, IBPT study indicates.

Brazil ended 2024 with 26.54 million active businesses, of which 19.2 million — equivalent to 72.51% of the total — are included in the Simples Nacional (Simplified National System).This is what the new study by the Brazilian Institute of Planning and Taxation (IBPT) points out, showing the strength of the simplified regime. The data confirms the central role this model plays in supporting the national economy, especially regarding the stimulation of entrepreneurship and job creation.

The research also reveals the profile of the companies that are part of the Simples. The Individual Microentrepreneurs (MEIs) they continue to be the majority, accounting for 57,351 registered businesses, followed by Microenterprises, with 34,271 [TP3T needs clarification - likely a unit of measurement or code; context is needed for accurate translation], and by Small businesses, representing 8.31% of the total.Medium-sized companies, however, still have a marginal presence in this regime, adding up to only 0,07%, which demonstrates that adherence to the Simples Nacional (Simplified National Tax Regime) is predominantly by micro and small businesses.

From a sectoral perspective, the The services sector accounts for 63.31% of the companies in the Simples Nacional (Simplified National Tax System)., demonstrating its relevance to the Brazilian economy. Trade follows next, representing 27.41% of companieswhile the Industry corresponds to 6.71 TP3T. and the Agribusiness at 2.21 TP3T, with the financial sector recording 0,3%.

These figures indicate that smaller businesses play a decisive role in the diversification and maintenance of economic activity in different areas.

The survey also indicates that the The Southeast region concentrates more than half (51%) of all active companies in the Simples Nacional., which represents more than 9.8 million businessesWithin this scenario, São Paulo stands out with 5.6 million companies, equivalent to 29.22% of the national total., followed by Minas Gerais, with 2.1 million (11,01%), and by Rio de Janeiro, with 1.6 million (approximately 8.5%).

For Carlos Pinto, Director of IBPT, the constant growth in memberships demonstrates the relevance of Simples, but also reinforces the need for attention in the context of Tax Reform:

We are monitoring the growth of companies opting for the simplified regime, as well as other small businesses, such as EMEIs, precisely to understand the impact the reform will have on this intermediate link. This is because many companies that provide services or sell products to other companies, especially those currently opting for the presumed real profit, will need to adapt to the changes the reform will bring and the behavioral changes their clients will demand.

The executive further reinforces that, although the results show the strength of the simplified model, monitoring must be constant. “In fact, the study is important for comparing the previous period with the present and demonstrating that concern must be continuous, because there has been no decrease in the number of companies opting for this regime. Quite the contrary, there has been a significant increase. We at IBPT are closely monitoring, especially when we talk about the impacts the reform will have and the changes that will occur for companies in the intermediate link that opt for this simplified regime.”

With more than Five decades of presence in Brazil and a portfolio encompassing from Biofuels, oil exploration and production, solar and wind energy, and even aviation and marine lubricants and fuels.The national business sector is heavily influenced by tax regulations. In this context, the IBPT's study contributes to public debate by offering consistent information on the country's business base and the impacts of ongoing changes.

Investment in AI is growing, but challenges in training and limited data are hindering its impact.

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Investment in AI is growing, but challenges in training and limited data are hindering its impact.

Almost unanimous (96%) in stating that they will expand investments in Artificial Intelligence (AI) this year, CIOs, directors of Information Technology, face a paradox: only 49% say their teams are prepared and 46% report insufficient data to support the projects, according to a recent study by PwC.

But what to do when the company already sees the value of AI and runs into a lack of data or team preparation?

“Technology alone is not enough. Without proper training and quality data, investment in AI may not generate the expected impact.And this is also a role of leaders; empowering people, ensuring robust technical support and integrating systems to transform AI into real competitive advantage”, says Joao Neto, CRO at Unentel.

AI governance is also under construction: only 42% of companies have structured policies and 49% are in implementation, according to Logicalis. Still, the results appear fast: 77% of companies that invested in the last 12 months have already recorded a return on investment.

That is, even with the structural gaps, AI already shows concrete results, which makes it more urgent to invest in capacity building and good governance practices.There is still a lot of room to expand them and have more return on” results, continues CRO.

Another important fact, pointed out by Gartner, indicates that 63% of companies with a high level of AI maturity already follow the results of their projects through solid ROI and customer satisfaction metrics.However, less than half of these organizations are able to keep their AI projects operational for three years or more, which reinforces the importance of structured and long-term strategies.

For these AI investments to be long-lasting and transformative, it is necessary to increase the trust and operational capacity of teams, strengthen data management and consolidate a culture of continuous learning, a trinomial that, for Joao Neto, is fundamental to ensure that innovation truly translates into business value.

“It is not enough to invest: we must prepare the ground for data, people and culture to walk together”, concludes the executive.

Brazil could gain over +13 points in GDP with AI by 2035, but lack of data and skills threatens progress.

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Brazil could gain over +13 points in GDP with AI by 2035, but lack of data and skills threatens progress.

Almost unanimous (96%) in stating that they will expand investments in Artificial Intelligence (AI) this year, CIOs, directors of Information Technology, face a paradox: only 49% say that their teams are prepared and 46% report insufficient data to support the projects, according to a recent study by PwC. Another survey by PwC itself points out that, if well implemented, the adoption of AI can add up to 13 percentage points to the Brazilian GDP by 2035, reinforcing the urgency to overcome these challenges.

But what to do when the company already sees the value of AI and runs into a lack of data or team preparation?

“Technology alone is not enough. Without proper training and quality data, investment in AI may not generate the expected impact.And this is also a role of leaders; empowering people, ensuring robust technical support and integrating systems to transform AI into real competitive advantage”, says Joao Neto, CRO at Unentel.

AI governance is also under construction: only 42% of companies have structured policies and 49% are in implementation, according to Logicalis. Still, the results appear fast: 77% of companies that invested in the last 12 months have already recorded a return on investment.

That is, even with the structural gaps, AI already shows concrete results, which makes it more urgent to invest in capacity building and good governance practices.There is still a lot of room to expand them and have more return on” results, continues CRO.

Another important fact, pointed out by Gartner, indicates that 63% of companies with a high level of AI maturity already follow the results of their projects through solid ROI and customer satisfaction metrics.However, less than half of these organizations are able to keep their AI projects operational for three years or more, which reinforces the importance of structured and long-term strategies.

For these AI investments to be long-lasting and transformative, it is necessary to increase the trust and operational capacity of teams, strengthen data management and consolidate a culture of continuous learning, a trinomial that, for Joao Neto, is fundamental to ensure that innovation truly translates into business value.

“It is not enough to invest: we must prepare the ground for data, people and culture to walk together”, concludes the executive.

Coface launches research on payment terms and habits of companies in Latin America

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Coface launches research on payment terms and habits of companies in Latin America

Coface, a global leader in credit insurance and risk management, announces the start of LATAM 2025 Survey on Payments and Inadmpliances, which will gather perceptions of companies of different sizes and sectors on average receipt deadlines, delays and use of financial protection tools.

The survey is a comprehensive study that will analyze financial practices of companies throughout Latin America, especially Argentina, Brazil, Chile, Colombia, Ecuador, Mexico and Peru.The survey portrays how companies structure their credit policies, conduct payment deadlines, face defaults and adopt financial solutions to protect their results and sustain growth. 

In addition, the study identifies similarities and differences between countries and sectors, offering valuable comparative insight for executives making strategic decisions.

By participating, companies will have priority access to an exclusive report, with regional benchmarks and in-depth insights into trends that directly impact cash flow, financial health and organizational resilience. 

Conducted annually, the study is one of the main references to monitor the evolution of credit habits in the region, offering a broad view of the factors that influence cash flow and the financial health of companies.In the last edition, the survey gathered hundreds of responses from companies in several countries, revealing default trends and the growing interest in solutions such as credit insurance.

With this initiative, Coface reinforces its role as a strategic partner in building the future of companies focusing on their financial sustainability and growth.

The survey will be open during the months of september and october, and the consolidated results will be presented in november, in an exclusive event for journalists and companies. 

“Our goal is to capture the signs of change in the payment behavior of Latin American companies and offer inputs that help managers to anticipate risks.In a scenario of uncertainty, quality information becomes even more essential”, says Isabelle Heude, Commercial and Operations Director.

Coface reinforces that the participation of companies is fundamental to enrich the analysis. The questionnaire can be accessed at the following link: Latam 2025 Payment Survey | Coface. 

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