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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 like gyms, therapy sessions, guided meditation, and expanded health insurance 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 directly impacts 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 exhibit greater creativity, collaboration, and engagement," explains Eliane Aere, president of ABRH-SP.

In Brazil, ABRH-SP, a benchmark in discussions of human resources management trends, points to social health as beginning to be viewed 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, strengthening social bonds both within and outside the company;
  • Policies that encourage coexistence and collaboration, in hybrid or in-person models.

According to the association, the challenge for Brazilian companies will be to incorporate 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 human beings are social by nature, and that healthy work relationships are crucial for overall well-being," emphasizes Aere.

With the advancement of this trend, the future of corporate well-being in Brazil is expected to expand to include strategies promoting 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 advance of digital business and the popularization of conversational commerce have solidified WhatsApp as one of the leading sales channels in Brazil. According to a We Are Social survey (2024), 96% of Brazilians use the app daily, while a SEBRAE study (2023) shows that 72% of small businesses already use it as their primary sales tool.

Therefore, specialized platforms are gaining ground by offering solutions that enhance application use for conversion. According to Andre Campos, CEO of VendizapThe company's interface was developed to transform each interaction into a personalized sale on WhatsApp. "Vendizap can be used by any company looking to start or optimize their online sales. But it's especially ideal for businesses already selling who want to scale their operations efficiently, need faster customer service, greater control over orders, and more conversions on WhatsApp, regardless of industry," he explains.

Internal company reports show that retailers using integrated catalogs convert up to 30% more than those working only with isolated messages. "Our purpose is to support entrepreneurs who want to digitize their businesses without relying on marketplaces or complex websites, using a tool already part of their daily routine: WhatsApp," the statement concludes. Fields.

Next, check out the expert's tips for maximizing results with virtual catalogs:

1. Create your community on WhatsApp: Build groups with loyal and interested customers. Offer exclusive content, flash sales, and behind-the-scenes glimpses of the business. Closeness strengthens the bond and generates trust.

2. Use Instagram and Facebook as a daily catalog. Fuel your social media with products, testimonials, and behind-the-scenes content. Explore Reels, Stories e enquetes para engajar. “Se você só posta produto, vira panfleto digital. As pessoas querem conexão, não apenas preço”, destaca Fields.

3. Put your store on the map with Google My Business: Create a free profile, keep schedules and photos updated, and encourage customer reviews. "People searching on Google are ready to buy. That's the hottest traffic there is," emphasizes the [missing text]. CEO of Vendizap.

4. Highlight key products with visual appeal: Highlight strategic catalog items using high-quality images and markers like "Best Seller" or "Deal of the Week." This directs customer attention and increases conversion chances.

5. Treat the catalog as an active sales tool: Don't just use it as a digital catalog. Send it regularly to customer lists and groups, customizing it based on their consumption profiles. Frequent updates strengthen relationships and increase repeat purchases.

6. Always measure and adjust: Monitor metrics like openings and clicks on links. Tools like Flipsnack, Linklist, or trackable PDFs allow you to identify what engages audiences most and continuously improve the catalog.

The guidelines emphasize that success in digital sales depends on both good tools and how the entrepreneur relates to their customers. In this sense, André Campos Highlighting the importance of seeing WhatsApp as more than just a messaging channel. "These practices show that selling on the app goes far beyond simply answering messages. When the entrepreneur builds a community, positions themselves on social networks, appears in Google search results, organizes their catalog, and measures results, they transform the app into a channel for relationship building 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 moved beyond simply being an automation tool and is now a strategic component in document management. What was previously limited to OCR (optical character recognition) and digitizing files has now evolved into systems capable of interpreting content, identifying inconsistencies, and even predicting operational and legal risks. In regulated sectors like finance, healthcare, and energy, this transformation signifies not only efficiency, but also regulatory security and resilience in increasingly complex environments.

This allows, for example, automatic classification and indexing of files based on their content and type, eliminating manual indexing. Searches that previously relied on exact keywords can now be semantic – the AI understands the meaning of the request and finds information even if described differently. In short, we've moved from an era where documents were simply "digitized" to one where they are interpreted by machines.

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

AI also demonstrates its predictive power in contract management and legal affairs. Contract analysis tools identify atypical clauses or anomalous patterns in documents that have historically led to legal disputes, signaling these issues before a problem arises. This allows the company to renegotiate or correct questionable contract terms proactively, 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 identify signs of irregularities. This includes everything from verifying forms to auditing internal communications, ensuring that procedures are strictly adhered to.

A concrete example is the use of AI by financial institutions in the automated monitoring of suspicious transactions, anticipating fraud and money laundering risks based on behavioral data analysis. 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 rate of problem detection and reduce audit costs. Indeed, McKinsey estimates that the structured application of AI in risk functions is already reducing operational losses and significantly improving compliance efficiency in finance.

Health Optimizations

In the healthcare sector, AI is optimizing both clinical record management and administrative processes. Hospitals deal with patient charts, reports, insurance claims, and a multitude of documents – where a single error can range from privacy violations to lost revenue. AI tools can extract data from patient records and examinations to automatically verify if procedures and charges are properly justified in the medical records, thus reducing the risk of inquiries or audits.

Furthermore, AI has revolutionized the fight against medical billing denials: through predictive analysis of billing history, it identifies factors correlated with insurance claim rejections – for example, a missing ICD code, which would increase the chance of a denial by 70% – and flags the account as at risk before submission. According to the Hospital Association, AI use can reduce hospital denials by up to 30%, as well as bringing more speed and transparency to the billing cycle.

Another benefit is the security of sensitive data: algorithms monitor access to medical records and ensure compliance with laws like the LGPD, detecting improper use of patient information.

Legal: Preventing disputes through predictive contract analysis

In the legal environment, artificial intelligence is transforming how contracts and legal documents are managed. Beyond supporting manual review, contract analysis algorithms use machine learning and natural language processing techniques to identify risk clauses, unusual patterns, and inconsistencies in wording that, historically in a company's or sector's records, often lead to legal disputes. By flagging these critical points proactively, AI allows for preventative adjustments – whether through renegotiating terms, standardizing language, or conforming to current regulations.

This predictive use significantly reduces the likelihood of costly and lengthy litigation, as well as providing continuous legal security. In highly regulated sectors, such as finance and healthcare, automated contract analysis helps verify that clauses comply with legislation like the LGPD or specific requirements of regulatory agencies, avoiding penalties. In areas like infrastructure and energy, where contracts are long and complex, AI facilitates the detection of poorly defined obligations or responsibility conflicts that could lead to 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 move from being reactive to being based on intelligent and continuous monitoring.

More than a trend, the integration of AI into document processes has become a competitive necessity. In sectors laden with regulations and obligations, simply organizing files is no longer enough – intelligence must be extracted from them. And that's precisely what AI provides: the ability to transform documents into actionable insights, identifying non-compliance patterns and anticipating problems before they become crises. Ultimately, from basic OCR to advanced predictive analysis, AI is redefining document management from a purely operational role to a strategic one in managing organizational risk. The future of document management has arrived, and it's intelligent and proactive.

Payments Summit: EBANX Announces AI-Powered Solutions, Stablecoins, Payout Enhancements, and Philippine Expansion

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Payments Summit: EBANX Announces AI-Powered Solutions, Stablecoins, Payout Enhancements, and Philippine Expansion

The EBANXEBANX, a global technology company specializing in cross-border payment services for emerging markets, unveiled a new generation of products designed to strengthen the operations of global companies operating in Latin America, Africa, India, and Southeast Asia. Key innovations include the integration of stablecoins as a payment method, AI-powered tools that enhance the efficiency and security of digital transactions, and instant payout systems via local payment networks. EBANX also announced its expansion into the Philippines, integrating the two leading digital wallets in the country.

The announcements were made on EBANX Payments SummitOne of the major events in the global payments industry, held between September 17th and 20th, in Mexico City.

"Emerging markets are the future of digital commerce, and we're building the infrastructure that will make that future accessible to businesses and consumers worldwide," he said. Joao Del ValleCEO and Co-Founder of EBANX. Our investment in new products and commitment to bringing them to new markets reflect our vision of a world where any company can serve any consumer, regardless of where they are or how they prefer to pay. adds
 

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João Del Valle at the EBANX Payments Summit 2025 (EBANX/Disclosure)

Payment and settlement with stablecoins
Soon, global companies operating in emerging markets will be able to accept stablecoin payments through EBANX, with the option to receive the value in USDC, USDT, or the traditional currencies already integrated into the platform. This solution makes international trade faster, more reliable, and more flexible, particularly in regions where the banking system is fragmented or inefficient.

EBANX offers the speed of blockchain with the convenience of a traditional financial system, allowing global businesses to access new markets faster with simplified settlements and no infrastructure hurdles. explained Eduardo de AbreuProduct Vice President, EBANX. Stablecoins are becoming the first truly global payment method; the impact of these digital currencies is even greater in emerging economies, with adoption accelerating faster than anywhere else in the world.

Latin America exemplifies this change: 71% of financial institutions in the region already use stablecoins for cross-border payments, according to the platform. FireblocksThe global average is 49%. In Brazil, local transactions with these digital currencies surged 208% in a year. In Argentina, stablecoins already represent 62% of the total transaction volume and are helping consumers and businesses navigate the volatility of traditional currencies, according to data from [source omitted]. Chainalysisblockchain analysis company. Research institute FXC Intelligence Estimates place the total addressable market (TAM) for cross-border payments using stablecoins at approximately USD 24 trillion in high-growth economies.

The arrival of stablecoins on EBANX further enhances the company's portfolio. In total, over 200 payment methods are integrated into the platform, allowing businesses worldwide the flexibility to receive payments in USDC, USDT, US dollars, euros, or local currencies. All options are offered with fast settlement and regulatory support.

Artificial intelligence
At No Summit, EBANX unveiled three new AI tools to boost approval rates, reduce risk, and produce key insights for sustainable growth. The first is a... fraud detection system That uses AI models to analyze over 100 data variables per transaction in real time, generating a probability index that guides approval decisions. In Brazil, global companies using this new functionality have seen an increase of more than four percentage points in card payment approvals without raising return rates.

The second tool is a AI-based intelligent routing systemThe product is capable of assessing the risk level and context of each transaction before selecting the best combination of acquirer and merchant ID (MID). This allows it to dynamically adapt to changes in market conditions, issuer behavior, and network performance. In a group of over 170 companies that have used this EBANX technology, approval rates have increased by up to 10 percentage points.

Finally, EBANX announced its new Merchant Areaan AI-powered panel that provides global businesses with intelligent payment management tailored to each region. By combining AI tailored to the markets we serve with the experience and practical knowledge of our local specialists, EBANX has been able to develop unique and region-specific solutions, addressing country-level challenges on a global scale. "Destacou" translates to **highlighted**, **emphasized**, or **stood out**, depending on the context. Joao Del Valle.

Expansion into the Philippines
Present in over 20 markets across Latin America, Africa, and India, EBANX announced at the Summit its arrival in the Philippines, a country with a population of 118 million people. This strategic expansion into Southeast Asia opens doors for global businesses to reach one of the fastest-growing digital economies in the region.

"While offering significant potential, with e-commerce projected to double in three years, the Philippines presents challenges we know how to address, such as the low credit card penetration. This combination is favorable for EBANX and our partners to grow successfully in the country," he said. Del Valle This is just a single phrase. To translate it, I need context. "Del Valle" could be a: * **Place name:** (e.g., a neighborhood, town, or valley) In English, it would likely be a proper noun like "Del Valle neighborhood," "Del Valle town," or simply "Del Valle." * **A company name:** (e.g., a winery, or a business) It would be translated as "Del Valle" (company name) * **A specific product:** (e.g., a brand of wine) It would be "Del Valle wine," or whatever product Del Valle produces. Please provide the surrounding text or context so I can give you an accurate and meaningful translation..

According to data from the Payments and Commerce Market Intelligence (PCMI) research institution, analyzed by EBANX, the digital commerce sector in the Philippines is expected to grow from USD 36 billion in 2025 to USD 61 billion in 2028, driven by one of the world's most connected populations. According to the platform Statist98% Filipinos have access to the internet.

In a country where the... World Bank Estimates suggest that only 31% of people have credit cards; digital wallets have become the most used payment method for online purchases, with a market share of 38% and projected growth of 28% in three years, well above the global average of 15% to 20%, according to PCMI data.

EBANX integrated the two most popular digital wallets in the Philippines. GCash e MayaCombining over 136 million accounts, they surpass the population of the country. Global companies can now offer both payment options through EBANX, allowing local consumers to pay in Philippine pesos (PHP). Settlement can be in US dollars, without the need for a legal entity establishment in the region.

Payout and Payment Bundles
The product line presented at the Mexico Summit includes EBANX Payout, a solution that enables global companies to make instant payments to partners, sellers, and beneficiaries in emerging markets using local currency via domestic networks, such as Pix in Brazil and Nequi in Colombia, without the need for a local entity.

Developed for high-volume operations, EBANX Payout integrates the company's payment offering, combining the capabilities of paying and receiving into a complete solution for global companies operating in emerging markets. This new product automates individual and batch payments, featuring an average approval rate of 97% and processing times of less than 30 seconds. EBANX Payout is already used by global companies, including social media platforms that rely on the solution to compensate content creators in emerging markets.

EBANX also revealed its new Payment Bundleswhich are a solution to simplifying how global companies sell and grow in emerging markets. Instead of enabling payment methods one by one, companies can now access payment packages. Each is designed to achieve a specific business objective, whether it's attracting more customers or generating consistent, recurring revenue. explained Eduardo de Abreu.

Through four packages and a single API integration, global companies can access up to 1 billion consumers with EBANX. Payment Bundles They gather methods such as instant payments, bills, cards, bank transfers, and digital wallets, as well as recurring payments. This model eliminates the complexity of fragmented implementations, reduces development efforts, accelerates market entry, and maximizes revenue potential. The translation of "disse" in Portuguese depends entirely on the context. "Disse" is the preterite form of the verb "dizer" (to say). It means "said" or "told." Please provide the sentence containing "disse" for an accurate and natural translation. Abreu.

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

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UOL, NEOOH, and helloo launch innovative, 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 Hello-dors director, who are able to join the club. 

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 relationships in contemporary society requires organizations to adopt structured mechanisms for internal control and regulatory 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 the LGPD proves to be inevitable. Observing the LGPD is not merely a technical requirement; it constitutes a genuine legal duty. Failure to comply 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 follow these parameters.

Thus, it is fundamental that compliance programs are fully aligned with the LGPD guidelines, aiming at the mitigation of 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 to prevent the illicit leakage of data and ensure legal compliance.

In this field, 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 them, 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, which precisely inform how data is collected, used, and protected; creating a service channel for data subjects, enabling them to exercise 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 incident response procedures, allowing for quick and structured action in cases of leaks or improper access, with containment actions, risk assessment, and communication to authorities and data subjects; and, finally, conducting periodic internal audits, with the aim of evaluating continuous compliance and ensuring that legal guidelines are being effectively met.       

 In other words, data governance, in turn, involves defining the processes, policies, and structures responsible for the secure and effective management of data within the organization. However, on the other hand, when this governance is not articulated with compliance, it creates a problem that can compromise both legal security 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 a lawyer at Rücker Curi Advocacia e Consultoria Jurídica.

Simples Nacional encompasses 72.51 TP3T of active Brazilian companies in 2025, IBPT study indicates.

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Simples Nacional encompasses 72.51 TP3T of active Brazilian companies in 2025, IBPT study indicates.

Brazil ended 2024 with 26.54 Million businesses in business, of which 19.2 Million 72.5% of the total IO are included in Simples Nacional. This is what the new study by the Brazilian Institute of Planning and Taxation (IBPT) points out, which shows the strength of the simplified regime.The data confirms the central role that the model occupies in sustaining the national economy, especially with regard to stimulating entrepreneurship and generating jobs.

The survey also reveals the profile of the companies that integrate Simples. Os Individual Microentrepreneurs (MEIs) they remain the majority, accounting for 57,35% of registered businesses, followed by microenterprises, with 34,27%, and by small businesses, representing 8,31% of the total. Medium-sized companies still have a marginal presence in this regime, adding only 0,07%, which demonstrates that the adhesion to Simples is predominantly micro and small businesses.

From a sectoral point of view, the service sector concentrates 63,3% of companies from Simples, evidencing its relevance to the Brazilian economy. Trade appears next, representing 27,4% of enterprises, while a industry corresponds to 6.7% and the agribusiness at 2,2%, with the financial sector registering 0,3%.

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

The survey also indicates that a the Southeast region concentrates more than half (51%) of all active companies in Simples, which represents more than 9.8 Million businesses. Within this scenario Sao 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 hair Rio de Janeiro, with 1.6 million (about 8.5%).

For Carlos Pinto, Director of IBPT, the constant growth of adhesions 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 that opt for the simplified regime, as well as those other small companies, such as EMEI, precisely to understand the impact that the reform will have on this intermediate link, since many of the companies that provide services or sell products to other companies, especially those that opt for the assumed real profit of today, will need to be adequate to the changes that the reform will bring and that their customers will require behavioral changes.”

The leader also reinforces that, although the results show the strength of the simplified model, the monitoring must be constant. “O study, in fact, it is important to be comparing the previous and the present period and demonstrate that the concern should be continuous, because there was a decrease in companies that opt for this regime. Quite the contrary, there was a sensitive growth.We, IBPT, are following closely, especially when we talk about the impacts that the reform will have and the changes that will occur for companies that are in the middle link and opt for this simplified regime.”

With more than five decades of presence in Brazil and a portfolio covering from biofuels, oil exploration and production, solar and wind energy, and aviation and marine fuels and lubricants, the national business sector is strongly influenced by tax rules. In this scenario, the IBPT study contributes to the public debate by offering consistent information on the country's business base and the impacts of ongoing changes.

Investment in AI is growing, but capacity-building and data limitations restrict its impact.

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Investment in AI is growing, but capacity-building and data limitations restrict 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 +13 points in GDP with AI by 2035, but a lack of data and skills threatens progress.

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Brazil could gain +13 points in GDP with AI by 2035, but a 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 begins research on payment terms and habits of companies in Latin America

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

A Coface, líder global em seguro de crédito e gestão de riscos, anuncia o início da Pesquisa LATAM 2025 sobre Pagamentos e Inadimplência, que reunirá percepções de empresas de diferentes portes e setores sobre prazos médios de recebimento, atrasos e uso de ferramentas de proteção financeira.

A pesquisa é um estudo abrangente que analisará práticas financeiras de empresas em toda a América Latina, com destaque para Argentina, Brasil, Chile, Colômbia, Equador, México e Peru. O levantamento retrata como as companhias estruturam suas políticas de crédito, conduzem os prazos de pagamento, enfrentam a inadimplência e adotam soluções financeiras para proteger seus resultados e sustentar o crescimento. 

Além disso, o estudo identifica semelhanças e diferenças entre países e setores, oferecendo uma visão comparativa valiosa para executivos que tomam decisões estratégicas.

Ao participar, as empresas terão acesso prioritário a um relatório exclusivo, com benchmarks regionais e insights aprofundados sobre tendências que impactam diretamente o fluxo de caixa, a saúde financeira e a resiliência organizacional. Trata-se de uma oportunidade única para entender o seu posicionamento em relação ao mercado, antecipar riscos emergentes e explorar oportunidades relevantes. 

Realizado anualmente, o estudo é uma das principais referências para acompanhar a evolução dos hábitos de crédito na região, oferecendo uma visão ampla sobre os fatores que influenciam o fluxo de caixa e a saúde financeira das empresas. Na última edição, o levantamento reuniu centenas de respostas de empresas em diversos países, revelando tendências de inadimplência e o crescente interesse por soluções como o seguro de crédito.

Com essa iniciativa, a Coface reforça seu papel como parceira estratégica na construção do futuro das empresas focando em sua sustentabilidade financeira e crescimento.

A pesquisa estará aberta durante os meses de setembro e outubro, e os resultados consolidados serão apresentados em novembro, em um evento exclusivo para jornalistas e empresas. 

“Nosso objetivo é captar os sinais de mudança no comportamento de pagamentos das empresas latino-americanas e oferecer insumos que ajudem gestores a se antecipar a riscos. Em um cenário de incerteza, informação de qualidade se torna ainda mais essencial”, afirma Isabelle Heude, Diretora Comercial e Operações.

A Coface reforça que a participação das empresas é fundamental para enriquecer a análise. O questionário pode ser acessado no seguinte link: Pesquisa de Pagamento Latam 2025 | Coface. 

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Inclusion and speed: the Brazil-Asia e-commerce revolution The growth of e-commerce in Brazil has been remarkable, driven by a combination of factors including increased internet penetration, the rise of mobile technology, and a growing middle class with higher disposable income. However, the relationship between Brazil and Asia in the e-commerce space is particularly fascinating, marked by rapid innovation, strategic partnerships, and a focus on inclusion. **Inclusion: Bridging the Digital Divide** One of the most significant aspects of the e-commerce revolution in Brazil is its potential to bridge the digital divide. In a country with vast geographical disparities, e-commerce offers a unique opportunity to reach underserved populations. By leveraging technology, companies can extend their reach to remote areas, providing access to goods and services that were previously unavailable. Asian e-commerce giants like Alibaba and JD.com have been instrumental in this regard. Through partnerships with Brazilian firms, these companies have introduced innovative solutions tailored to the local market. For instance, Alibaba’s AliExpress has made significant inroads in Brazil, offering a wide range of products at competitive prices. Similarly, JD.com has collaborated with local logistics providers to ensure efficient delivery, even in hard-to-reach areas. **Speed: The Race to Deliver** Speed is another critical factor in the Brazil-Asia e-commerce dynamic. Consumers today expect fast delivery, and companies are rising to the challenge. The competition to offer the quickest delivery times has led to the adoption of advanced technologies and logistics strategies. One notable example is the use of drone delivery. Both Brazilian and Asian companies are exploring this technology to enhance delivery speed and reach. For instance, JD.com has been testing drone deliveries in rural areas of China, and similar initiatives are being considered in Brazil. This not only speeds up delivery but also reduces costs associated with traditional logistics. Additionally, the implementation of automated warehouses and robotics has revolutionized the fulfillment process. Companies like Magalu (formerly Magazine Luiza) in Brazil have invested heavily in automation to improve efficiency and reduce delivery times. These technologies are often inspired by or directly imported from Asian e-commerce leaders, highlighting the cross-pollination of ideas and innovations. **Strategic Partnerships and Collaborations** The Brazil-Asia e-commerce relationship is also characterized by strategic partnerships and collaborations. These alliances are crucial for navigating the complexities of the global market and leveraging each other’s strengths. For example, Brazilian e-commerce platform B2W has partnered with Chinese payment giant Alipay to facilitate cross-border transactions. This collaboration not only simplifies the payment process for consumers but also opens up new markets for Brazilian sellers. Similarly, partnerships between Brazilian logistics companies and Asian tech firms have led to the development of more efficient supply chain solutions. **Conclusion** The e-commerce revolution between Brazil and Asia is a testament to the power of technology in driving economic growth and social inclusion. By focusing on inclusion and speed, both regions are setting new standards in the global e-commerce landscape. As this relationship continues to evolve, it promises to bring about even more innovative solutions and opportunities for consumers and businesses alike.

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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