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Social Media and the Advent of the 4.0 World

The digital age has brought with it a revolution in the way brands communicate with their audience. Data from a recent Warc survey highlights that currently social networks are the largest channel of advertising investments, expected to surpass US$ 247.3 billion globally in 2024. This represents a growth of 14.3% compared to last year.

In addition, another study, this time from GWI, pointed out that the time spent on networks has increased by 50% in the last ten years.The average daily consumption would have jumped from 95 minutes in 2014, to 152 minutes in 2024. This means that the platform that connects Generation Y (the Millennials) with the Z and Alpha generations is no longer television, but the online experience of social networks.

Moreover, a few days after the first round of municipal elections throughout the country, the social, political and customs transformation due to the role of the “influencers” and the strength of social networks in the formation and consolidation of opinions with all audiences and ages, each with its personal “influencers network.

In turn, data from Merrill Lynch indicates that the largest wealth transfer in history is underway, being led by Generation Z and its successors, who will inherit more than US$ 84 trillion in assets. And what does all this data mean? To be direct: money has changed hands, society has changed the way of communicating, therefore, either you understand these changes and the yearnings of the new generations that have increasing purchasing power, or are doomed to failure in the medium term.

Already a few years ago (markedly after the pandemic), build a strong presence of brands is no longer a matter of “speak with the young audience” or “available SAC 3.0”, but a fundamental practice for the survival of the company. To make even clearer this need and this change, you know television, this that if you are over 30 years old, was the great companion of the family? Well, she has already begun her migration to social networks 3 and I am not wanting to say that she will have a profile on Facebook, but that television will go through her biggest change in history with the TV 3.

With TV 3.0, broadcasters will be able to offer different programs simultaneously to specific audiences, based on the profile of the viewer, which will be monitored in real time through algorithms. This suggests that TV 3.0 will have a level of customization that conventional TV does not have. Thus, turning on the TV will be like watching the feed of social networks.

In Brazil, with an eye on these trends and TV 3.0, Rede Globo is also innovating in the field of advertising. The company launched GloboAds, a platform that offers a variety of advertising solutions for brands.In addition, it also presented Binge Ads, new attractions in multiplatform programming and new FAST channels.

Allied to this change is the phenomenon of artificial intelligence, powered by Generative AI tools such as ChatGPT and Gemini. Meta, for example, has invested heavily & often less evidently to the general public (IA is a big audience. Recently, the company announced the international expansion of Meta AI, an AI assistant that allows users to access information in real time through Facebook, Instagram, WhatsApp and Messenger. In addition, Meta has launched AI Sandbox, a “area testing for advertisers to try new AI tools.And also made success in specialized media in recent days with its new augmented reality glasses and AI applied to Rayan-to-to-to-to-user

Meta is one of the iconic examples of XXI century companies that have embraced and led these social and market transformations, as well as on a larger or smaller scale all the “7 Magnificent” of the American NASDAq and its Chinese peers/competitors.

These AI initiatives are transforming the way brands interact with their consumers. Now brands can create personalized content, answer customer questions, and even predict market trends in real time.In this way, they can understand the needs and desires of their audience in ways that were previously impossible, and all this directly in the feed from social networks, where consumers interact using a multitude of personalities, which merge into the “I” of our physical-digital personas.

My final message is quite simple: it is no longer possible to separate real life from digital, because they are in symbiosis and integration increasingly full. With artificial intelligence no longer restricted to science fiction films and becoming a tool of everyday life, adapt quickly or prepare for irrelevance with customers. Welcome to the world of revolution 4.0.

Black Friday: how to take advantage of the date to renew the hair care routine?

In Brazil, Black Friday, which happens on November 29, has already consolidated itself in the national calendar. According to a survey by Confi. Neotrust, the expectation is that the event generates a turnover 9.1% higher than in 2023, moving R$ 9.3 billion in retail. Many consumers await this season of offers to renew their stocks of hair cosmetics, since prices are usually lower. This is the ideal time to invest in a hair care routine.

To make the most of this opportunity, it is important to prepare in advance by making a list of the products needed to avoid impulse purchases. When it comes to hair, you need to identify whether the strands need hydration, nutrition or repair to better choose which items to invest in.

During the special date of purchase, products focused on recovery and intensive hydration always have a great demand, especially for those seeking quick and effective results.Items such as complete treatment kits, such as nourishing masks and finishers; in addition to multifunctional cosmetics, such as leave-ins with thermal protection, they are very practical and always present a high demand, as they fight the frizz and facilitate the daily routine.

How to find the best promotions?

To find the best offers, the consumer must be aware of the main communication channels of brands, such as newsletters, social networks and VIP groups.Many companies offer additional benefits through their applications, which often notify users about promotions before they are even disclosed to the general public. Attending pre-sale events or registering for loyalty programs can also ensure priority access to the best offers, increasing the chances of taking advantage of special discounts.

Buying safely

When buying online during Black Friday, it is essential to take extra care to avoid problems. The first step is to check the reputation of the site where you want to make the purchase.Find reviews of other consumers on platforms such as Complaint Here and social networks, to ensure that the e-commerce it's reliable.

In addition, when it comes to hair cosmetics, it is essential to ensure that the products are original and have registration with regulatory bodies, such as the National Health Surveillance Agency (Anvisa), which ensures their quality.

Another important point is to check if the site uses good security practices, such as the presence of SSL certificates (identified by the padlock in the address bar), which protect the personal and financial data of consumers. Checking delivery times to avoid frustrations is important, since, due to the large volume of sales, companies often take time to deliver orders. Reading the exchange and return policy is also essential to ensure a smooth and secure shopping experience.

Finally, to be able to take advantage of all promotions, consumers must prioritize the purchase of products that offer quality and safety. Buy consciously, choosing items that will really contribute to the hair care routine, is the most effective strategy. Thus, purchases will make a significant difference in the health and beauty of hair, without financial waste.

E-commerce to earn R$ 7.93 billion on Black Friday, according to ABComm

Black Friday, scheduled for November 29, is expected to reach the impressive R$ mark 7.93 billion in e-commerce revenues, representing a growth of 10.18% compared to R$ 7.2 billion registered in 2023. The estimate is from the Brazilian Association of Electronic Commerce (ABComm), which considers the period that extends from the beginning of the Black Friday week to the day of Cyber Monday, on December 2.

This year, the average ticket for purchases is expected to rise to R$ 738, with an expectation of 10.7 million orders during the event. Compared to 2023, the average ticket was R$ 705, and the number of orders totaled 10.2 million.

The expectation is that during the week of the event, adding traditional purchases, e-commerce will reach the R$ mark 11.63 billion in turnover, almost 3 times more than a traditional week of online sales.

In addition to the main categories, such as Electronics, Appliances and Fashion, the Beauty and Health segment is among the fastest growing in the number of searches in recent months. “We hope that this year's Black Friday will exceed expectations with greater consumer engagement. This scenario reflects the confidence in the offers that the event provides”, says Mauricio Salvador, president of ABComm. 

To further boost revenue, ABComm suggests that retailers use paid digital channels, social networks, email marketing and WhatsApp messages, among other strategies for advertising and selling products.However, the promotion season also raises alerts about possible fraud.The entity, in collaboration with market experts, emphasizes that consumers should be wary of extremely low prices and always prioritize reliable websites. 

“We are confident that this year's Black Friday will be a success, reflecting the resilience of e-commerce and the willingness of consumers to take advantage of” offerings, concludes Salvador. 

I Deliver expects to have 30% increase in sales volume on Black Friday 2024 

Eu Delivergo projects a 30% growth in the volume of deliveries during the period of this year compared to 2023. The company bets that the clothing and electronics sectors will be the great highlights of the shopping season. 

Technology professionals monitor platform data daily and collaborate with the operations department to identify points of improvement, ensuring operations are more efficient in the period of greatest demand. 

The company has created a unique system that uses an algorithm based on Artificial Intelligence (AI) and geolocation, standing out as the only one in the market capable of optimizing routes in real time, taking advantage of the analysis of constantly updated data. This allows a more efficient routing, considering dynamic factors such as traffic, weather conditions and fluctuations in demand. The fact of developing and maintaining the system internally ensures the flexibility necessary to adjust its functionalities to urgent needs, as occurs during seasonal dates. 

Eu Delivergo, a logtech that connects retailers to the largest network of autonomous delivery companies in Brazil, delivered 12 million deliveries in the first half of 2024. According to CEO and co-founder Vinicius Pessin, the company has more than 1 million delivery companies nationwide. 

“Our unique system, based on Artificial Intelligence, ensures real-time route optimization, which allows us to offer an agile and efficient service, even in the periods of greatest demand, such as Black Friday.We are confident that our efforts will bring exceptional results in this” edition, shares Pessin. 

Black Friday is expected to see a 30% increase in sales volume in 2024.

Black Friday has firmly established itself in the Brazilian calendar, as the second most important date for commerce in the second semester, second only to Christmas. Eu Entrego projects a 30% increase in delivery volume during this year's period compared to 2023. The company expects the apparel and electronics sectors to be the major highlights of this shopping season. 

According to research by technology company Wake, in partnership with Opinion Box, expectations for the 2024 shopping season are high, with 66% of Brazilians planning to participate in the event. Furthermore, the study also indicated that 32.51% of shoppers began tracking product prices in late July, demonstrating early planning to take advantage of sales. 

Shopping Marathon Preparation 

At Eu Entrego, preparation began several months in advance. Technology professionals monitor platform data daily and collaborate with the operations department to identify areas for improvement, ensuring more efficient operations during peak demand periods. 

Proprietary technology to meet large demands 

The company has created a unique system that uses an algorithm based on Artificial Intelligence (AI) and geolocation, standing out as the only one in the market capable of optimizing routes in real time, taking advantage of the analysis of constantly updated data. This allows a more efficient routing, considering dynamic factors such as traffic, weather conditions and fluctuations in demand. The fact of developing and maintaining the system internally ensures the flexibility necessary to adjust its functionalities to urgent needs, as occurs during seasonal dates. 

Eu Delivergo, a logtech that connects retailers to the largest network of autonomous delivery companies in Brazil, delivered 12 million deliveries in the first half of 2024. According to CEO and co-founder Vinicius Pessin, the company has more than 1 million delivery companies nationwide.  

“Our unique system, based on Artificial Intelligence, ensures real-time route optimization, which allows us to offer an agile and efficient service, even in the periods of greatest demand, such as Black Friday.We are confident that our efforts will bring exceptional results in this” edition, shares Pessin. 

Neuroscience helps to highlight your brand on Black Friday

It is no secret that Black Friday has become one of the most important dates for Brazilian retail, and many companies already use Artificial Intelligence (AI) to optimize operations and campaigns during the period, expecting high performance on the long-awaited date.It is also not news that AI is already used as a strategic and essential tool to analyze data and customize product and service offerings. However, there is a great differential that can further raise the impact of these technologies: neuroscience applied to business. 

By combining the capabilities of AI with the power of neuroscience research, companies are able to deepen understanding of how the human brain processes information and makes decisions, offering a crucial advantage for brand communication actions, especially on seasonal dates like Black Friday. 

Neuroscience helps brands to create stronger emotional connections and improve the construction of brand memory, decisive factors to capture attention in an extremely competitive environment, which is important before making massive investments in media, whether digital or traditional. After all, the media budget is total, and its fragmented use between different channels is what generates separation.For budget purposes, the more assertive the brand is, the fewer resources will be wasted, ensuring a more efficient allocation of funds. 

Why is neuroscience crucial for Black Friday? 

The Attention Economy shows us that, in a market saturated with information and stimuli, as occurs during the promotion of Black Friday, the focus of consumer attention is one of the most disputed and scarce resources. The use of AI helps to understand patterns of behavior and personalize offers. However, neuroscience takes this data analysis to another level, because by applying research to previously evaluate parts, sales pages, packaging and various content, brands can understand how the human brain reacts to visual, auditory and emotional stimuli. In this way, it is possible to anticipate the impact of these elements on purchase decisions even before the campaign placement. 

On Black Friday, when the dispute for attention is intensified, the use of neuroscientific data may be the key to highlight the brand amid the flood of promotions, which are generally very similar to each other.The use of neuroscience allows identifying cognitive stimuli that capture consumer attention quickly, such as color perception, visual salience and the use of persuasive messages, directly influencing purchase choices in a short time. 

How does neuroscience power AI on Black Friday? 

AI technologies are very effective at analyzing large volumes of data, but neuroscience complements this ability by providing deep understanding of how the human brain processes data. By applying neuroscience to shape interactions during Black Friday, companies can improve their ability to capture consumer attention, reduce friction in the buying process, and consequently increase sales. On Black Friday, decision time is extremely short, and every second counts. 

Optimize user experience: Brands can ensure consumers have a frictionless, fast and intuitive experience guided by the cognitive principles that power efficiency in browsing and shopping. 

Strengthen the impact of offerings: By understanding which visual stimuli and messages capture attention most effectively, brands can tailor campaigns to stand out from the crowds and convert attention into action. 

Reduce cart abandonment: By applying neuroscience to identify cognitive friction points in the buying process, brands can significantly improve the checkout rate. 

The future of Black Friday with neuroscience and AI 

While AI is an indispensable tool for personalizing offers and automating processes, neuroscience offers a differentiated competitive advantage as a brand strategy by explaining how the brain reacts to these interactions. During Black Friday, where the purchase decision beyond fast is most often emotional, it is critical that brands align strategies with consumer cognitive behavior.When using neuroscience to create emotional connections and enhance the user experience, brands can not only increase their sales, but strengthen brand memory creation, ensuring that the consumer remembers it in future purchases.  

As brands prepare for Black Friday, the combination of AI and neuroscience offers a powerful approach to capturing and maintaining consumer attention in a short period of time.  

Brands that can integrate these two worlds will be better prepared to create an engaging shopping experience, drive sales, and increase retention in the medium to long term.

Artificial intelligence helps companies sell more with personalized recommendations

Artificial intelligence (AI) is changing the way digital marketing is done, allowing companies to personalize interactions with consumers on a scale never seen before. Especially in e-commerce, AI helps understand user behavior by delivering tailored content and recommendations, which increases sales.

A McKinsey & Company study found that companies using AI for marketing personalization see up to 15% increase in conversion rates.This is due to the ability to identify consumption patterns and offer accurate recommendations, which contributes to a more relevant experience for each user.

According to Alan Nicolas, expert in artificial intelligence for business and founder of Lendar Academy[IA], personalization is no longer a differential, but a necessity for those who want to excel in the digital market. “A personalization at scale has become possible because AI can process massive volumes of data in real time. Today, every interaction with the customer can be transformed into valuable data that, when processed, results in extremely accurate recommendations”, he says.

AI transforms the consumer journey

Artificial intelligence adapts the consumer experience in real time, adjusting elements such as page design and product recommendations. This increases the chances of purchase, since the customer finds options that match what he is looking for.“A AI goes beyond simply suggesting products.It transforms the entire customer journey, making each step, from discovery to finalization of the purchase, more fluid and efficient”, explains Alan Nicolas.

The use of chatbots with artificial intelligence is also a growing trend.They are able to interact with consumers in a unique way, answering questions, offering suggestions and solving problems.This fast and targeted service contributes to a positive experience.

AI is also enabling companies to predict consumer trends more accurately, anticipating needs before the customer even realizes it. “By analyzing large volumes of data, we are able to not only recommend products, but identify emerging patterns and adapt our strategies quickly.

Increased conversion

Personalization is not limited to immediate sales growth, it also has an impact on customer loyalty and long-term engagement.An Epsilon study reveals that 80% of consumers are more inclined to buy from brands that offer personalized experiences.In addition, 90% of respondents stated that these interactions motivate them to recommend the company to others. “This demonstrates how well-executed personalization goes beyond momentary conversions, influencing future” behaviors, Alan analyzes.

This bond, as the data points out, is not just about individual buying.Satisfied consumers return and also become ambassadors for the brands they appreciate. The recommendation of products or services to friends and family, encouraged by the positive experience, is one of the greatest benefits that AI-driven personalization can bring to companies.

With artificial intelligence, brands make the experience individualized on a scale that would be impossible without technology. The ability to analyze large volumes of data and adapt offers in real time transforms the consumer journey continuously.“By integrating AI into marketing strategies, companies can offer a purchase so fluid and engaging that the customer feels understood. This generates an emotional bond that leads to the loyalty of”, concludes Alan Nicolas.

The role of AI in the new financial landscape

In a world where every touch on the smartphone can translate into a financial transaction, the demand for personalized and secure services has never been higher. Companies are increasingly investing in artificial intelligence and machine learning to offer a financial experience that goes beyond the basics: it is about predicting what the customer wants before he even knows it. The goal is that when accessing the bank or opening the financial application, you feel that everything has been carefully designed for you (from tailored investment recommendations to personalized alerts that accompany your movements.

While AI-driven personalization is transforming the way financial institutions interact with their customers, machine learning analyzes behavior patterns, offering insights into preferences, spending habits, and future needs.

For Marcell Rosa, General Manager and Vice President of LATAM Sales CleverTapdigital marketing platform specializing in user retention and engagement, “we are in an era where customers expect more than just good service. They want to feel that the brand knows them. And this is what AI offers: the ability to turn data into relationship.When well applied, personalization is not only a competitive differentiator, it is the new market standard”. 

A practical example is systems that send proactive notifications about spending limits or suggest budget adjustments before financial problems arise.

Fraud prevention: AI and the invisible battle

While personalization is gaining ground in the financial sector, security is not far behind. While AI systems make life easier for customers, on the other hand, they are the silent guardians that monitor and detect suspicious activity in real time. The technology analyzes a vast volume of data, identifying atypical behaviors and alerting to possible fraud in a matter of seconds.

One of the biggest advantages of machine learning is its ability to learn and adapt continuously.This means that while fraudsters try new approaches, systems are always one step ahead, protecting users in a virtually invisible way”, comments Marcell Rosa.

Behind the scenes, algorithms detect irregular patterns such as transactions in unusual locations or purchases at outliers and are able to stop these actions before they cause harm.In addition, AI helps differentiate legitimate activities from fraud attempts, reducing false positives and allowing customers to carry out their operations without unnecessary interruptions.

Humanization of financial technology

By integrating AI and machine learning, the financial industry is able to not only offer more security, but also humanize customer service, making it more relevant to the lives of each customer.With personalization increasingly aligned with individual expectations and fraud prevention becoming more effective and less invasive, the relationship with financial institutions is being redefined.

“We are seeing a paradigm shift”, notes Marcell Rosa.“Financial institutions that can use AI to create more fluid, secure and personalized experiences have a clear advantage.At the end of the day, technology only makes sense when it improves people's lives

The application of these innovations in everyday life is already transforming the way we interact with money, creating a safer and more effective financial journey, where the customer has the control and security necessary to perform their operations with confidence.

The future of the financial sector

The use of AI and machine learning is still expanding, and the financial industry just scratches the surface of what these technologies can offer. The trend is that in the coming years, personalization will be even more refined, while fraud prevention tools will become increasingly robust and sophisticated.

The question that remains is not whether AI will transform the financial sector, but how far this transformation can go. Whether it is to customize a service or prevent fraud with surgical precision, artificial intelligence is making the financial world more efficient, safer and, above all, human.

In the near future, you may not even realize it, but your bank will already know what the next step is before you even think about it. And this, as Marcell Rosa well said, “ is not just about technology, it is about creating meaningful connections in a digital world

Big Data can save up to 200% on corporate travel

Transform corporate travel into a center of economy and operational efficiency.To this end, Paytrack, an all in one platform specialized in the management of expenses and travel, conducted a study that demonstrates how the use of Big Data can generate savings for companies. The survey analyzed more than 350 thousand transactions in 2 years and revealed patterns in the behavior of corporate reservations.In addition, the study showed that, depending on the date of acquisition of air tickets, the price variation can reach 200%.

The survey comes at a crucial time for the corporate travel market.According to the Global Business Travel Association, global spending in the sector is expected to reach a record US$ 1.48 trillion in 2024, making the efficient management of these resources increasingly strategic for companies.

“Identified that buying tickets 30 days in advance can represent a substantial savings”, says Edson Goncalves, co-founder of Paytrack. “To illustrate, imagine a situation where a company needs to organize a trip for 20 people. Buying the tickets in advance, it could pay R$ 450 per ticket, totaling R$ 9,000. Without this planning, the cost could reach R$ 1,200 per ticket, resulting in a total expense of R$ 24,00000.

The platform uses big data and predictive analytics to help companies identify the optimal time to purchase tickets and hotel reservations.The system is enhanced with features such as monitoring total spending, including hosting and additional services, visibility of unused credits, automation of refunds and management of compliance with corporate policies.

Goncalves points out that the economy in corporate travel is the result of a network of decisions that permeate the entire process. Each step, from initial planning to final approval, offers opportunities for optimization of costs and resources. The individual choices of travelers, company policies and market conditions intertwine, creating a dynamic scenario where each decision can significantly impact the financial result.

“The figures show that there is a great potential for savings still untapped by many companies”, says Goncalves.“Our platform turns this data into actionable insights, allowing companies to make smarter and more economical decisions in their corporate travel, overcoming the limitations of the traditional” management model, he concludes. 

Startups will be selected to participate in the largest technology event in Latin America

The Itaqui District, the only green innovation and technology district in Brazil, has opened registrations for its new startup grant program. The initiative, held in partnership with the IT Forum (the largest technology and business event in Latin America and part of the group 20 ecosystem, will select 20 startups that will have the chance to present their solutions to major players in the market. Registration is open until November 20.

“Esse is the time to transform the future of” innovation, says Fabiana Falcone, new CEO of Itaqui District and influential executive in the sector.“We know that it is challenging to enter this market and build relationships with great leaders.It is a unique opportunity for those who want to make a difference”.

The chosen startups will participate in the events of the District itself and the IT Forum Praia do Forte, in 2025. They will have part of the costs paid by Itaqui, as well as mentoring and networking with representatives of the 500 largest technology companies in Brazil, which together have budgets greater than R$ 80 million to invest in the area. 

To participate in this initiative, registered companies must meet the following criteria:

2 The startup needs to develop innovative technological solutions with potential for significant impact on the market;

. Present a long-term vision and commitment to sustainability, respecting people and promoting diversity; and

. Initial or expanding startups will be prioritized;

. The company cannot be controlled by a corporation with more than 100 employees or annual turnover exceeding R$ 20 million/year;

Also have priority those who fill out the complete form.

Startups will be chosen after a few selection steps. The results leave until December 20 and activities begin in 2025. Interested parties can apply and get more information at official page the program. 

PagBank innovates customer service with AWS Artificial Intelligence

The PagBank, complete digital bank in financial services and means of payments, elected the best PJ account by the portal iDinheiro and the 2nd best bank in Brazil elected by Forbes, implemented an innovative artificial intelligence (AI) solution with Amazon Web Services (AWS), resulting in significant improvements in customer service. Aiming to increase team productivity and improve service quality, the company launched a project focused on service automation.

The initiative had as its starting point one of the main reasons for customer contact: the exchange of payment machines. This process, governed by clear rules on the need for machine replacement, was identified as ideal for the first tests with AI.

The chatbot developed uses Amazon Rekognition, an image and video analysis service from AWS, which identifies the machine's serial number through photos. Customers only need to send a photo of the device screen so that the system identifies the error and offers the necessary guidance.In addition, the company makes use of Amazon Bedrock, a managed service of generative AI that offers several options of high-performance conversational models in situations of fallback. This approach in software development aims to deal with situations where a particular functionality or feature is not available, where AI answers questions out of scope based on frequently asked questions, achieving over 90% accuracy.

About two months after the pilot project was implemented, the PagBank team observed an average reduction of 85% in chatbot service time compared to human service, demonstrating greater assertiveness and agility of the AI program. In addition, there was a significant reduction in recounts, that is, in occurrences in which the same customer comes back in contact for the same reason.

“Implementing artificial intelligence solutions in our customer service has brought a significant gain in innovation and agility.With AWS, we have been able to develop a robust and effective solution, and the integration of advanced technologies allows us not only to automate processes, but also to improve the accuracy and speed of service.We are committed to continuously pursuing agile and effective solutions, benefiting both our team and our customers, reinforcing our goal of facilitating the financial lives of people and businesses”, says Cesar Leite, CTO of PagBank.

With the results of cost reduction and increased efficiency and agility, PagBank plans to expand the use of AI for other reasons of contact with customers, integrating new technologies to various company processes.By combining advanced technology with a commitment to the consumer experience, PagBank aims to improve both operational efficiency and customer satisfaction.

One of the largest digital banks in the country in number of customers, PagBank offers tools for face-to-face and online sales, complete digital account for individuals and legal entities, automatic investment and CDBs certified with brAAA rating by S&P and AAA.br rating by Moody’s, with income of up to 130% of CDI 4 redemption at any time and investments by objectives, as well as features that contribute to financial management, such as Payroll. In PagBank, the credit card has a guaranteed limit and investments become a limit for the card itself, enhancing the earnings of customers*, in addition to generating up to 3% of cashback on the invoice, one of the largest in the market. In PagBank, those who have an active and inactive balance in FGTS can request anticipation, in addition to being possible to hire the INSS Consignado for retirees and pensioners directly from the app Paybank. 

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