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Artificial Intelligence decreases the integration time between companies from months to days

E-Commerce Update
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Artificial Intelligence decreases the integration time between companies from months to days

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 anuncia lançamento de marketplace de fretes para conectar transportadoras e embarcadoras

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Mobiis anuncia lançamento de marketplace de fretes para conectar transportadoras e embarcadoras

THE Mobiis, um ecossistema que conecta soluções SaaS em prol da transformação, eficiência e inovação da cadeia logística no Brasil, anuncia o lançamento do seu marketplace de fretes, com o intuito de conectar transportadoras e embarcadoras de forma ágil, eficiente e segura. Desenvolvida para impulsionar o segmento logístico, a ferramenta exclusiva conta com mais de três mil transportadoras homologadas e uma plataforma centralizada para todas as operações, garantindo maior previsibilidade e controle operacional.

Idealizada para empresas que buscam novas cargas alinhadas ao seu perfil ou que desejam ampliar sua rede de clientes, a plataforma proporciona oportunidades reais de negócios. A solução conecta de forma rápida e eficiente as transportadoras que enfrentam desafios para encontrar cargas compatíveis com embarcadoras que buscam distribuí-las estrategicamente, garantindo orçamento e prazos competitivos.

Neste sentido, o marketplace de fretes da Mobiis disponibiliza um Acordo de Nível de Serviço, conhecido como SLA, e valores definidos em um único ambiente seguro. “As embarcadoras oferecerão suas cargas para companhias com perfil aderente e, sobretudo, que já atuam na região de origem e destino da carga. Isto amplia as oportunidades de negócio com transparência e eficiência, ao passo que a conexão completa é realizada em menos de uma hora”, pontua Adriano Cagnini, diretor de operações da Mobiis.

Adriano Cagnini, diretor de operações da Mobiis (Divulgação)

A Mobiis fará o lançamento oficial desta funcionalidade durante a sua participação na Intermodal South America, maior e mais completo evento de soluções logísticas das Américas. Com o propósito de transformar o segmento logístico nacional por meio da inovação e eficácia, a logtech foi desenvolvida a partir da fusão das empresas Pathfind e Fretefy.
 

Com um portfólio de mais de cinco mil marcas de renome que utilizam suas soluções robustas e especializadas, como Heineken, Carrefour, FedEx, Riachuelo, Nestlé, Algar Telecom, Votorantim, Gerdau, AAK, Ajinomoto e Consigaz, a Mobiis projeta um crescimento de 300% até o final de 2025.

RecargaPay garante mais economia nas compras de Páscoa

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RecargaPay garante mais economia nas compras de Páscoa

Com a chegada da Páscoa e os preços em alta, o RecargaPay é uma alternativa mais vantajosa para os consumidores que querem economizar sem abrir mão das compras no período. Ao usar o Cartão de Crédito RecargaPay, os clientes recebem 1,5% de cashback em todas as transações e o saldo é creditado diretamente na carteira digital do app – que ainda rende o equivalente a 110% do CDI. Pagando com o cartão, a compra ainda pode ser parcelada em até 18x, sem burocracia.
 

Cerca de 102,6 milhões de pessoas planejam comprar itens de Páscoa neste ano, de acordo com uma pesquisa realizada pela Confederação Nacional de Dirigentes Lojistas (CNDL) e do Serviço de Proteção ao Crédito (SPC Brasil). Atendendo a essa demanda, o RecargaPay oferece soluções de pagamento que favorecem os consumidores no momento de presentear amigos e familiares, seja com um cartão de crédito que devolve parte do valor gasto ou com a possibilidade de pagamento via Pix parcelado, com a menor taxa do mercado, de apenas 3,99%.
 

“Sabemos que a Páscoa é uma das datas mais relevantes para o varejo nacional, mas também reconhecemos que o atual cenário de alta dos preços no país exige ainda mais atenção ao controle financeiro. Por isso, nesse momento reiteramos nosso papel como uma ferramenta de pagamento que alia conveniência e economia no momento de compras dos brasileiros, com soluções que garantam mais vantagens para a sua vida financeira”, avalia o Nelson Leite, VP de Pagamentos do RecargaPay. “Nosso foco é sempre viabilizar o consumo consciente, oferecendo mais controle dos gastos e retorno mais rentável aos nossos mais de 10 milhões de clientes”.
 

Como solicitar o Cartão de Crédito RecargaPay?

Na tela inicial do app, selecione a opção “Cartão de crédito” e toque em “Pedir agora”. Em seguida, valide sua identidade, confirme as informações e aceite os termos e condições. O limite de crédito será definido com base no valor reservado na carteira, por isso, coloque um saldo no cartão para garantir a liberação. Por fim, é preciso apenas revisar os dados e concluir o pedido. A aprovação é imediata, sem cobrança de anuidade, e todo o processo acontece de forma simples, rápida e segura.
 

O cartão é o único na categoria que oferece cashback de 1,5% em todas as compras. Com o modelo de limite garantido, o cliente define quanto deseja colocar no cartão virtual e, consequentemente, quanto pode gastar, proporcionando mais controle e organização financeira. Além disso, o valor reservado continua rendendo automaticamente na carteira do aplicativo, com rentabilidade equivalente a 110% do CDI.

With creativity, online stores go beyond chocolate and increase Easter sales by 30%.

E-Commerce Update
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With creativity, online stores go beyond chocolate and increase Easter sales by 30%.

According to Nuvemshop, a leading e-commerce platform in Latin America, the revenue of small and medium-sized e-commerce businesses that invested in the Easter sales campaign saw a 301% increase, reaching R$ 3.9 million. Approximately 88,000 products specific to the holiday were sold, a 281% increase compared to the previous year.

Products registered as "Easter" on the platform saw a 42% increase in items sold and a 45% increase in revenue, generating over R$1,6 million. Meanwhile, chocolates, symbols of the holiday for many, experienced a 5% decrease in total products sold on the e-commerce site.

Easter is a major time of year for bakeries and chocolatiers, but for retailers in other sectors, the holiday can be an extra opportunity to offer different products to consumers. Currently, we have over 150,000 clients on the platform, from diverse sectors. During all holidays, we have retailers offering options for every type of consumer," explains Carolina Lago, Brand and Content Manager at Nuvemshop. "We strive to make e-commerce accessible to entrepreneurs, but also directly benefit consumers by expanding the range of products to meet individual needs at any time of year," she concludes.

Success in selling products from other segments is the case of Parafinesse, an e-commerce for candles and aromatic products. They capitalized on a current trend and created two commemorative candles for the season: one with chocolate and orange, and the other with pistachio, both available in a decorated Easter egg-shaped packaging. This novelty pleased customers, leading to a 371% increase in revenue in March alone; the average order value (ticket médio) also grew by 121%.

"During Easter, we're heavily influenced by chocolate imagery and offers, but there are people who don't consume it. Thinking of those people, we wanted to offer a product that evoked the comfort that sweets are associated with," says Beatriz Costacurta, founder of Parafinesse. "It worked out: the candles were so popular that we're considering keeping them in our permanent catalog," she adds.

The data was collected from Nuvemshop's Brazilian retailer database between March 14 and 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, Planning Will Be the Key Differentiator for Brands

Caroline Mayer
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Easter 2025: With 70% of Consumers Anticipating Purchases, 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

Um dos maiores obstáculos para o crescimento de pequenas e médias empresas está na tentativa do empreendedor de manter o controle absoluto sobre todas as decisões e processos. Embora o envolvimento direto nas operações pareça sinal de comprometimento, essa centralização compromete a escalabilidade do negócio e esgota o tempo do gestor. Para expandir com consistência, é essencial que líderes aprendam a delegar com critério e construam equipes preparadas para assumir responsabilidades com autonomia.

Second Samuel Modesto, especialista em gestão empresarial e mentor de negócios, saber o que delegar — e como delegar — é uma habilidade estratégica. “Isso não significa que o gestor está abrindo mão do controle, mas sim criando um sistema inteligente onde cada pessoa contribui com seu melhor. O empreendedor precisa sair do operacional e assumir seu papel como líder do crescimento”, avalia.

Delegar não é abdicar: é direcionar com clareza

O primeiro passo para uma delegação eficaz é identificar quais tarefas realmente exigem o olhar do empresário e quais podem ser repassadas com segurança. A gestão de processos internos, o atendimento de rotina ou a execução de tarefas operacionais são exemplos claros de atividades que podem — e devem — ser executadas por outras pessoas. “O erro mais comum é achar que ninguém faz tão bem quanto o dono. Esse pensamento limita o crescimento do negócio e gera sobrecarga”, comenta Modesto.

No entanto, delegar não significa transferir uma tarefa e desaparecer. É necessário fornecer orientação, acompanhar os resultados e estar disponível para apoiar a equipe. “A diferença entre delegar e abandonar é a responsabilidade contínua. O líder deve continuar presente, acompanhando indicadores e fornecendo feedback”, pontua o especialista.

Ambientes que estimulam protagonismo criam negócios mais fortes

Além da técnica, o ambiente também precisa ser favorável. Empresas que desejam equipes mais autônomas devem construir uma cultura de confiança, onde os colaboradores se sintam seguros para tomar decisões, sugerir soluções e errar quando necessário. Segundo Modesto, o empoderamento não acontece por decreto, mas sim pela forma como a liderança conduz o dia a dia.

“Empresas que fortalecem suas lideranças internas, investem em comunicação clara e valorizam a opinião das equipes criam um ecossistema onde o crescimento coletivo é inevitável. Quando o colaborador percebe que tem espaço e respaldo, ele passa a agir com mais responsabilidade e iniciativa”, destaca.

Para o especialista, liberar o empreendedor das tarefas operacionais e fortalecer a atuação da equipe deixa a empresa menos dependente de uma única pessoa para funcionar, além de maximizar a velocidade e a capacidade de inovação. “Escalar exige líderes preparados e colaboradores protagonistas. Só assim o empreendedor poderá focar onde realmente faz diferença: no futuro do negócio”, finaliza 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.

Movements in delivery excite the market, says Abrasel

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Movements in delivery excite the market, says 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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Getnet reveals that Customer Week drives online sales with a 13.94% increase The Customer Week campaign, which took place between September 5th and 11th, resulted in a 13.94% increase in online sales compared to the previous week, according to data from Getnet, a payment solutions company. The period, which is traditionally marked by promotions and discounts, attracted more consumers to make purchases on the internet. The increase in sales was observed across all regions of the country, with the highest growth in the Southeast (20.3%) and the lowest in the North (5.1%). "Customer Week is an important date for e-commerce, as it encourages consumers to make purchases and helps businesses increase their sales," says Marcelo Labuto, CEO of Getnet. "This year, we saw a significant increase in online sales, which shows that the campaign was successful in attracting consumers." The data also shows that the average ticket for online purchases increased by 5.3% compared to the previous week. This indicates that consumers are not only buying more, but also spending more on each purchase. Getnet also observed an increase in the use of credit cards for online purchases. The use of credit cards increased by 10.2% compared to the previous week, while the use of debit cards decreased by 2.1%. "The increase in the use of credit cards may be related to the promotions offered during Customer Week," says Labuto. "Many consumers prefer to use credit cards to take advantage of the discounts and promotions offered by stores." In summary, Customer Week was a successful period for e-commerce, with a significant increase in online sales and an increase in the use of credit cards for purchases. The data from Getnet shows that the campaign was effective in attracting consumers and encouraging them to make purchases on the internet.

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