Start Site Página 4

Winter Delivery Consumption Boom Drives Menu and Packaging Adaptations

August, with its cooler temperatures, has established itself as one of the hottest months for the delivery sector in Brazil. According to a survey by the Brazilian Association of Bars and Restaurants (Abrasel), establishments that adapt their menus to the season record up to a 25% increase in evening sales, especially in hot dishes and comfort food, such as soups, broths, pasta and stews.

To keep up with demand, experts recommend operational adjustments ranging from choosing the right utensils to investing in thermal packaging. "In delivery, the customer experience begins with the presentation of the order. Packaging that maintains the temperature and prevents leaks conveys professionalism and increases the chances of repurchase," explains Mislene Lima, a customer delight specialist and sales leader at Grupo Simão.

Adapting menus is also seen as a loyalty strategy. According to Lidiane Bastos, business administrator and CEO of Grupo Simão, seasonality can be an ally for reducing costs and surprising the public. "Seasonal menus make it possible to work with fresh ingredients that are more cost-effective. They also create a feeling of novelty, encouraging customers to order again," she says.

In addition to the choice of dishes, the internal organization of kitchens is seen as a decisive factor in ensuring that the operation runs smoothly. Research by the National Restaurant Association (ANR) shows that 70% of the establishments that invest in high-performance equipment manage to reduce preparation times by up to 20%. "When there is method and clarity in the routine, the restaurant is able to fulfill more orders in less time, while maintaining the quality of the service," adds Mislene.

Another point in evidence is loyalty via delivery apps. According to PwC data, 71% of consumers consider the presentation and design of the packaging to be an important factor in their purchasing decision. For experts, investing in personalized containers, with their own visual identity and thank-you messages, helps create a bond with the public and generates spontaneous publicity on social networks.

"The customer who orders via the app doesn't see the restaurant's lounge or the face-to-face service. The perception of value and care is in what they receive at the door. That's why every detail counts," says Mislene.

How bars and restaurants can take advantage of delivery in winter, according to Lidiane Bastos:

  • Invest in thermal packaging
    Containers that maintain the temperature of food until delivery are essential for broths, soups and pasta. Choose options that are resistant to leaks and easy to handle.
  • Bet on seasonal menus
    Include winter dishes such as stews, individual fondues and warm desserts. Working with seasonal ingredients reduces costs and guarantees freshness.
  • Organize the kitchen for agility
    High-performance utensils, such as sturdy pans, precision scales and processors, reduce preparation time by up to 20%.
  • Personalize your service in the app
    Use packaging with the brand's visual identity, include thank-you messages or simple gifts such as artisan bread to accompany soup. These details increase loyalty.
  • Create loyalty promotions
    Offer progressive discounts for customers who order more than once a month or family combos, which have a strong appeal during the school vacations.
  • Bet on drinks and side dishes
    Teas, coffees, wines in individual portions and winter desserts are differentials that increase the average ticket and complement the experience.

The city of Franca hosts the largest itinerant e-commerce event in Brazil.

Known throughout Brazil as the "National Capital of Footwear", Franca (SP) is now also taking firm steps into the world of technology and digital retail. The city will host ExpoEcomm in 2025. The event, scheduled for September 16, will bring together specialists, entrepreneurs and major e-commerce players.

"ExpoEcomm is a thermometer of Brazilian digital retail, offering an immersion in the sector's trends and innovations. With strategic panels, business roundtables and high-level talks, the event will cover important topics such as artificial intelligence, sales automation, marketplace integration and strategies for exponential growth. It's the ideal environment for those looking to understand the future directions of e-commerce and improve their competitiveness," says Claudio Dias, CEO of Magis5.

The company, which works with integration solutions for e-commerce and connects sellers to more than 30 platforms, including Amazon, Shopee and Mercado Livre, has already confirmed its prominent presence at the event. For Dias, the meeting is not just a showcase, but a strategic opportunity.

"Taking part in this event is a practical way of showing how technology can free up online sales people's time and generate more sales with less effort. It's also a unique opportunity to exchange experiences that feed the sector's continuous innovation and reinforce the importance of automation for business scalability," he says.

For Dias, the choice of Franca to host the event reinforces the objective of showing the transformation that consumer relations are undergoing, as well as the city's own development: "Franca has historically been an industrial hub, but today it is also projecting itself as an innovation center, supported by initiatives such as the Technological Innovation Center and the Sandbox Program, which are driving the city's progress in science, entrepreneurship and digital technologies". He points out that the city is part of the circuit of cities through which ExpoEcomm has passed and in this itinerary, it is the penultimate to host the event. "With e-commerce rapidly adapting to new consumer demands, the event promises to bring not only trends, but also concrete solutions for those who sell online and seek real competitiveness," he concludes.

Service

Event: ExpoEcomm 2025 -https://www.expoecomm.com.br/franca
Date: September 16th
Schedule: from 1pm to 8pm
Location: VILLA EVENTOS - Rodovia Engenheiro Ronan Rocha - Franca/SP

KaBuM! Marketplace turns five and strengthens its position as a niche destination for technology and games

KaBuM!, the technology and games e-commerce company, is increasingly consolidating its marketplace as an important growth engine for the company. In just five years, the operation has already accounted for more than 20% of turnover, and is expected to exceed 1 billion reais in sales by 2025.

Since its launch in 2020, the number of sellers has grown by more than 420%, accompanied by an expansion of offers that exceed 240,000 items available on the platform. This growth reflects not only the strength of the digital ecosystem, but also the consolidation of a niche marketplace that connects brands and retailers directly to a highly qualified and engaged audience.

"The marketplace is a key part of our growth strategy, as it expands our portfolio, strengthens our brand and brings us even closer to the gamer and tech community," says Fábio Gabaldo, KaBuM!'s business director. "By connecting sellers of different profiles with an audience that is passionate about technology, we guarantee a unique and relevant experience for everyone involved."

Niche marketplaces: a growing trend

Niche marketplaces have stood out globally for offering more personalized experiences for both sellers and consumers. Unlike generalist platforms, these environments bring together a specific audience with high purchasing intent and trust in the brands that make up the ecosystem. In the technology and games sector, this movement is gaining even more momentum: it is a booming market, driven by the growth of the gamer audience, which now exceeds 3.7 billion people worldwide, according to Newzoo, and by the growing interest in high-performance equipment, peripherals, digital services and solutions aimed at content creators.

The advantages of selling on KaBuM!

More than just numbers, the KaBuM! marketplace offers strategic differentials that increase its sellers' potential for success:

A highly qualified audience: consumers who are passionate about technology and have a clear intention to buy.

Credibility and recognition: a brand with 22 years of operation and consolidated leadership in the segment.

Nearby service: active support for 100% sellers, with direct contact via WhatsApp and a dedicated team.

Magalu Ecosystem: access to the group's logistics network (Magalog), with competitive freight rates and greater capillarity.

Efficient marketing: sellers participate in internal and external campaigns, with exposure on paid and proprietary media channels.

Specialized curatorship: selection of products that guarantee relevance, trust and authority in the gamer/tech segment.

Connecting with the gamer community

More than just a sales platform, KaBuM! is an active part of the gamer and tech community in Brazil. The official Discord server brings together fans and consumers for promotions, launches and debates about hardware and games. KaBuM! Esports is active in the competitive scene and KaBuM! TV produces content that reinforces the brand's closeness and authenticity with its audience.

From the first unit sold to leading a multi-sector holding company.

In the business world, success is rarely the result of chance. It is usually the result of strategic choices, precise timing and a combination of vision for the future and the ability to execute. Behind the big numbers, there is almost always a trajectory marked by calculated risks, hard learning and a persistence that resists market cycles.

The career of Marcos Koenigkan from Brasilia is proof of this. At the age of 17, he began his entrepreneurial journey by reselling paintings by local artists in Brasilia, a seemingly simple move, but one that foreshadowed his unique ability to identify and exploit opportunities underserved by the traditional market.

The next step came with boldness and strategy: at the age of 19, with little investment, around R$ 10,000, he opened his first real estate agency, betting on horizontal condominiums in the Federal District, a segment ignored by the big players in the sector. This choice was decisive: it opened the door to his rise in the market, revealing his taste and keen eye for business.

His pioneering vision was consolidated with the creation of IBAVI (Instituto Brasileiro de Avaliações e Pericias Imobiliárias), which anticipated the digital age by developing its own system for collecting and analyzing real estate data, something innovative for the Brazilian market at the time. Between 2007 and 2014, Koenigkan became the absolute leader in the sector. "I was responsible for launching around 90% of legalized, horizontal condominiums in the region," he says.

With consolidated experience and an eye always ahead of his time, the entrepreneur founded Grupo MK, a holding company that concentrates businesses in different sectors, but connected by the same value logic: innovation, strategic positioning and mastery of little-explored niches.

In the world of art, he created the Arts Catalog, Brazil's largest portal for pricing artworks and antiques, valuing national production in a market with a turnover of R$ 2 billion, according to Ipea. In the real estate sector, it leads the LK Engineering and MK Participações, which has worked on residential and commercial projects that have become a benchmark in real estate in the Federal District.

At the head of fintech MEO BankThe company aims to grant R$ 1 billion in corporate credit by the end of 2025, making access to capital for medium-sized companies less bureaucratic. He also runs the Show Self StorageYou Box e Brasília Self Storagein a sector that is growing by 15% a year (ABRASSI, 2023), driven by the expansion of e-commerce and the compactness of urban life. And, in the field of high-influence networking, it is ahead of Market & OpinionThis group brings together more than 900 business leaders responsible for around 35% of the country's GDP for strategic talks and discussions that directly impact key sectors of the economy.

Mercado & Opinião was born during the pandemic as an informal initiative for exchange between entrepreneurs and today it is one of the main forums for strategic debate in Brazil. Koenigkan has implemented strict membership criteria, accepting only owners and top executives of billion-dollar companies, which guarantees focus and exclusivity. "Every meeting is a strategic provocation: how to improve business, the business environment, productivity. Everything we do has one foot in capital, entrepreneurship and the transformation of the corporate ecosystem," he says.

The meetings evolved into closed events and the Mercado & Opinião Conference became the stage for discussions that directly influence key sectors of the economy. "Entrepreneurship is about constant reinvention. I've learned that mistakes are indispensable for developing authority and a comprehensive view of the market. The difference lies in listening to the client, testing hypotheses and not being afraid to change course," says Koenigkan.

Its bet on MEO Bank reinforces its strategy of digitalization and innovation, breaking with the barriers of the traditional financial system. According to data from the Fintechs Digital Credit Survey, carried out by PwC and the Brazilian Digital Credit Association (ABCD), the volume of credit granted by fintechs grew by 52%, reaching R$ 21.1 billion in 2023.

Grupo MK plans to double its turnover by the end of 2025, supported by technology, solid partnerships and the power of qualified networking. "The secret is to build ecosystems that connect people, businesses and ideas, turning what were once ignored niches into billion-dollar opportunities," says the entrepreneur.

Brazil is going through a time of economic transformation and leaders like Marcos Koenigkan are at the forefront of this change. His story is not just one of numbers, but of strategy, vision and resilience, ingredients that define the entrepreneurs capable of shaping the country's future.

Wigoo boosts DPaschoal: 44% sales growth and reduces CPA by 16%. 

DPaschoal recorded a 440% growth in sales and a 16% reduction in Cost per Acquisition (CPA), with an Artificial Intelligence strategy developed by Wigoo, a marketing and technology agency, in partnership with Google.

With 75 years of experience in the automotive sector, an increasingly competitive and price-sensitive industry, DPaschoal had the challenge of increasing sales and reducing costs. To this end, Wigoo focused on the strategic use of data and Google's Artificial Intelligence partnership and framework. Growth was driven by the Performance Max (PMAX) and Search tools.

Wigoo stands out on Google and is ranked among the top 39 agencies in Brazil, strengthening the partnership between agency, client and platform, guaranteeing excellence in the execution of media campaigns. 

"This strategic partnership collaborates with our vision of the future and drives us to evolve every day. Together, we better understand our customers' behavior, identify market opportunities and act with greater agility in the face of competition."says DPaschoal's Marketing Manager, André Henrique. 

"Working with partners who are eager to grow and innovate allows us to offer aggressive strategies and achieve results like we have at DPaschoal"says Wigoo's co-CEO and founder, Dib Sekkar. 

Consumption grows in Latin America, but commercial brands lose market share

Latin America recorded its 11th consecutive period of growth in mass consumer goods consumption in the second quarter of 2025, with a volume increase of 1.6%. Despite this positive performance, only 41% of commercial brands managed to gain new shopping occasions—the lowest rate recorded in the last five years. This is according to the latest edition of the Consumer Insights 2025 study, produced by Worldpanel by Numerator.

This duality reflects the current consumption landscape in the region. The Latin American shopping basket has become more fragmented, with consumers exploring more channels (an average of 9.5 per year) and more brands (97 different ones), but with a lower purchase frequency—80% of categories recorded a decline in this indicator.

Regarding channels, e-commerce, discount stores, and cash-and-carry wholesalers are the only formats sustaining growth in frequency, with increases of 9%, 8%, and 4%, respectively. Together, they accounted for an additional 500 million shopping occasions compared to the previous year. The traditional channel, on the other hand, was the main contributor to the decline, with a drop of 14%.

Mainstream brands, in fact, were the most impacted by this new consumer behavior, with a 5.6% decline in purchase frequency and a 3% drop in the number of units per customer. In contrast, premium and private-label options advanced both in frequency (0.9% and 1.4%, respectively) and volume (4% and 9%).

"The study shows that 95% of the brands that grew in volume did so by gaining household penetration—which reaffirms the importance of reaching new buyers as the primary lever for growth. However, the combination of household penetration and frequency has proven to be the most efficient strategy, as 50% of the companies that grew for two consecutive years adopted this approach," emphasizes Marcela Botana, Director of Market Development for Latin America at Worldpanel by Numerator.

It is also worth highlighting that Latin American consumer behavior has shown itself to be more open to experimentation. Over 90% of categories gained household penetration in 2025, even amidst the trend of lower purchase repetition. Growth is more concentrated among non-essential categories (81%), but also reaches essential ones (70%), indicating there is room for expansion even in mature markets.

The quarterly Consumer Insights report continuously monitors the consumption behavior of Latin Americans, focusing on the food, beverage, cleaning products, and health and beauty segments. The second quarter 2025 edition includes data from nine markets: Central America (Costa Rica, El Salvador, Guatemala, Honduras, Nicaragua, Panama, and the Dominican Republic), Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Mexico, and Peru.

Guilherme Enck’s new book shows how to invest in startups and ride the wave of innovation in Brazil

Chega ao mercado editorial em livrarias físicas e online o livro “Como Investir Em Startups: Da Teoria à Prática – Um Manual Completo Para Começar Com Segurança” , de Guilherme Enck, especialista em investimentos e empreendedorismo no Brasil. Publicado pela Editora Gente e com lançamento oficial previsto para setembro deste ano, a obra apresenta uma metodologia prática e estruturada para investir em startups, oferecendo aos leitores um guia acessível e confiável para surfar a onda de inovação e empreendedorismo que se consolida no Brasil. O livro já está disponível para pré-venda e quem fizer a compra de um exemplar antes do lançamento, garante a participação na edição inaugural do desafio “Empreendedor em 21 dias” conduzida pelo autor do título.

Gaúcho com formação em Engenharia de Produção e especialização em Engineering Management pela Loughborough University (Reino Unido), Enck construiu uma sólida trajetória no mercado financeiro e no empreendedorismo. Ele atuou em fusões e aquisições e fundou diversas fintechs, destacando-se como  cofundador da Captable. Este último empreendimento se consolidou como a maior plataforma de investimentos em startups do Brasil, viabilizando a captação de mais de R$ 100 milhões para cerca de 60 empresas. Sua vivência é de quem “é empreendedor desde antes de sair da faculdade”, o que reflete sua profunda imersão prática no setor.

Na Captable, empreendimento responsável por inserir mais de 7.500 pessoas no universo de investimentos em startups, Enck também se destacou como educador: conduziu cursos, palestras e workshops voltados a ajudar poupadores de todos os perfis a compreender e aproveitar, com método e segurança, as oportunidades do ecossistema de inovação.

Toda essa trajetória deu origem a  “Como Investir Em Startups: Da Teoria à Prática – Um Manual Completo Para Começar Com Segurança”, que possui como grande diferencial ser um guia prático e atualizado para a complexa realidade brasileira, abordando a cultura, a economia e as leis locais. A obra preenche uma lacuna editorial ao oferecer uma perspectiva de quem realmente vivenciou o ecossistema, compartilhando histórias autênticas, sucessos e, fundamentalmente, os aprendizados extraídos de falhas. 

Em uma leitura leve e descontraída, o conteúdo vai muito além da teoria, aprofundando-se em métodos de análise, valuation e estratégias de portfólio, sempre contextualizados para as particularidades do mercado nacional. Entre os temas abordados, destaca-se a “Lei de Potência”, que demonstra como o sucesso no Venture Capital pode advir de poucas, mas estratégicas e bem-sucedidas, apostas.

“A geração de valor está migrando das estruturas tradicionais para o ecossistema de inovação. Todo mundo está vivendo isso, basta prestar atenção a todas as ferramentas e soluções que usamos no nosso dia a dia. Se o grande epicentro da criação de valor da economia está mudando, é natural que tenhamos que ajustar a nossa forma de investir. Quem insistir em ficar restrito apenas ao mercado financeiro tradicional deixará essa onda passar”, declara Guilherme Enck. 

Ele complementa: “Passou o tempo que investir em startups era só para grandes fundos. Todo investidor deveria ter ao menos um percentual pequeno do seu patrimônio alocado nessas empresas. O meu papel é ensiná-los a fazer isso — mas de forma sóbria, cuidadosa, consistente e adaptada à natureza de longo prazo dessa classe de ativos”, finaliza. 

Com “Como Investir Em Startups: Da Teoria à Prática – Um Manual Completo Para Começar Com Segurança” , Enck não apenas informa, mas inspira, solidificando sua posição como uma voz essencial para quem busca prosperar no mercado de inovação e impulsionar o crescimento de empresas com impacto real e duradouro. 

O autor destinará toda a renda com direitos autorais do livro para a Fundação Tênis, Organização Não Governamental (ONG) sem fins lucrativos que promove a transformação social de crianças, adolescentes e jovens em situação de vulnerabilidade há mais de duas décadas por meio do esporte e da formação profissionalizante. 

From Warehouse to Shelf: How Logistics Layout Drives Retail Sales

O crescimento do varejo brasileiro vem acompanhado de novos desafios logísticos. A pressão por prazos curtos, variedade de produtos e disponibilidade constante nas prateleiras fez do layout dos armazéns um diferencial competitivo. De acordo com Instituto Brasileiro de Geografia e Estatística (IBGE), o comércio varejista acumulou crescimento de 4,7% em 2024, registrando o oitavo ano consecutivo de ganhos. Já no varejo ampliado, que inclui veículos, itens automotivos, materiais de construção e atacados de alimentos e bebidas, o resultado foi positivo em 4,1%, superior ao de 2023 (2,3%). Dado o potencial do segmento, a eficiência operacional tornou-se vital para se diferenciar em um mercado cada vez mais competitivo.

Para Giordania Tavares, CEO da Rayflex, referência nacional na fabricação de portas rápidas no Brasil e na América Latina, o impacto do planejamento é direto nos resultados: “Quando o layout de um armazém é bem projetado, garante maior aproveitamento do espaço, reduz perdas e melhora o fluxo de abastecimento das lojas, refletindo na experiência de compra do cliente final”, explica.

O modelo de layout adotado varia conforme a necessidade de cada operação, mas deve atender a requisitos, tais como: movimentação de materiais, equipamentos e operadores; estocagem dos itens de maneira correta; capacidade de estoque em dimensão e altura para disposição dos insumos; otimização do fluxo de entrada e saída; e limpeza. Confira alguns modelos eficientes:

  • Formato em L: este tipo de design é muito utilizado, pois nele as áreas de docas ficam em cada extremidade do armazém, enquanto o estoque fica concentrado no meio, no local em que ocorre o ângulo de 90º;
  • Design em I: neste formato o funcionamento é o mais simples, pois em cada ponta ficam os locais de docas e ao centro todo os produtos estocados,  permitindo o livre trânsito das mercadorias com a movimentação de colaboradores e máquinas. É recomendado quando o espaço é grande e o volume de produtos também é alto;
  • Formato em U: devido ao design simples e de fácil replicação pode ser utilizado em qualquer tipo de lugar. O recomendável é alocar as docas lado a lado, nas extremidades do “U”, enquanto o estoque de produtos disposto ao fundo ocupa a maior área do armazém, no semicírculo da letra.

Estes formatos ajudam a organizar corredores, estoques e áreas de carga e descarga de acordo com o volume e a diversidade de mercadorias. “Quando aliados a recursos tecnológicos, como sistemas de gestão de estoque (WMS), endereçamento digital e portas rápidas automáticas, esses modelos asseguram agilidade, segurança e rastreabilidade em toda a cadeia. A instalação de portas rápidas automáticas sob medida, por exemplo, atuam na correta vedação e contribuem para a agilidade no fluxo de pessoas em cada ambiente, respeitando as particularidades do local e com influência direta no resultado das operações logísticas”, avalia a especialista. 

O consumidor pode não enxergar o armazém, mas sente seus reflexos: prateleiras abastecidas, maior variedade e entregas dentro do prazo. O layout deixou de ser apenas um detalhe operacional e se tornou estratégico para o sucesso do varejo. Ele está diretamente ligado à fidelização e à competitividade das marcas”, conclui Giordania.

Intelligent checkout increases conversions by up to 32% and average order value by 27% for SMBs

THE Yever, fintech brasileira de pagamentos, lança uma tecnologia de checkout que eleva em até 32% as conversões e aumenta em 27% o ticket médio de e-commerces, reforçando o potencial da etapa final da compra como ponto decisivo de vendas. Voltada principalmente para pequenas e médias empresas, a solução já apresenta resultados consistentes em segmentos como moda, beleza, saúde, casa e decoração. Mais de 3.000 lojas no Brasil utilizam o checkout inteligente, processando milhões de reais por mês com crescimento contínuo.

A solução adota uma estrutura modular e personalizável, permitindo que o lojista configure a jornada de compra sem apoio técnico. Entre os recursos estão upsell one-clickorder bump, personalização por produto, análise de comportamento, barras de progressão gamificadas e estímulos visuais que orientam e incentivam o consumidor até a conclusão da compra. A tecnologia integra-se aos principais sistemas de loja e plataformas de tráfego, como Facebook e Google, garantindo rastreamento preciso e ajustes em tempo real com base em dados.

For Andrews Vourodimos, CEO e fundador da Yever, o diferencial está na forma de pensar a etapa final da compra. “Ela pode ser mais do que um simples formulário. Quando bem trabalhada, aumenta o faturamento, reduz abandonos e fideliza clientes, sem que o lojista precise investir mais em mídia. Nosso objetivo é transformar o momento do sim em um motor de crescimento”, afirma.

Em um caso recente, uma PME do setor de moda feminina registrou aumento de 35% nas vendas e 22% no ticket médio no primeiro mês após adotar o sistema. “O diferencial é que o próprio lojista pode ajustar a estratégia de vendas no checkout, sem depender de desenvolvedores ou agências, o que acelera o retorno e aumenta a competitividade frente a grandes players”, destaca Vourodimos. THE Yever planeja expandir o potencial do checkout inteligente com novos módulos de recomendação de produtos baseada em inteligência artificial e integrações adicionais para ampliar a eficiência operacional dos lojistas.

M3 Lending invests R$ 500 thousand in artificial intelligence startup Valence

No país com o maior ecossistema de fintechs da América Latina, a mineira M3 Lending quer ocupar um espaço estratégico e facilitar o crédito para pequenas e médias empresas (PMEs) com tecnologia de ponta e processos descomplicados. Para isso, a fintech acaba de anunciar um aporte de R$ 500 mil na Valence, startup também de Minas Gerais especializada em inteligência artificial (IA).

O movimento ocorre em meio a um mercado em franca expansão. O Brasil lidera o mercado de fintechs na América Latina, com 1.706 fintechs em operação em 2025, segundo a Distrito, representando cerca de 32% das startups financeiras da região, impulsionado pela demanda por crédito, meios de pagamento digitais e soluções de banking as a service.

“A inteligência artificial nos permite evoluir todos os dias. Com a Valence, ampliamos nossa capacidade de análise e atendimento, reduzimos prazos e melhoramos a experiência do cliente. Isso faz parte do nosso propósito de tornar o crédito mais acessível para quem movimenta a economia do país”, afirma Gabriel César, CEO da M3 Lending.

Fundada em Belo Horizonte, a M3 conecta investidores a PMEs, oferecendo taxas até 22% menores do que as praticadas por bancos tradicionais, em um processo 100% digital e sem burocracia. Agora, com o uso de IA, a fintech pretende criar um ecossistema financeiro completo, combinando crédito, dados e serviços integrados para empresas.

No Brasil, as micro e pequenas empresas respondem por aproximadamente 27% do PIB e são a base de mais da metade dos empregos formais, segundo dados do Sebrae/IBGE, mas enfrentam dificuldades históricas para acessar crédito em condições viáveis. Para especialistas, a incorporação de inteligência artificial nas análises de crédito pode reduzir custos, melhorar a acurácia na avaliação de risco e acelerar a concessão de recursos, destravando o crescimento de um segmento estratégico para a economia.

“Queremos construir uma ponte eficiente entre investidores que buscam rentabilidade estável e empresas que precisam de capital para crescer. Estamos criando um canal seguro, transparente e simples, que faz o dinheiro circular onde ele gera valor real: nas pequenas e médias empresas, que são o motor do país”, conclui o CEO da M3.

Gabriel afirma que o aporte na Valence “é um movimento alinhado com o cenário em que fintechs deixam de ser apenas intermediárias de crédito e passam a se posicionar como plataformas integradas de serviços financeiros, impulsionadas por dados e tecnologia”. Para o mercado, é um sinal claro de que, no ambiente competitivo das fintechs, a eficiência e a inteligência embarcada serão diferenciais cada vez mais decisivos.

[elfsight_cookie_consent id="1"]