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

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

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

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

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

In Brazil, ABRH-SP, a benchmark in discussions of human resources management trends, points out that social wellbeing is 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 employees;
  • Affinity networks that strengthen diversity and inclusion;
  • Corporate volunteer initiatives, strengthening social connections within and outside the company;
  • Policies that encourage co-existence and collaboration, in hybrid or in-person models.

According to the association, Brazilian companies will face the challenge of incorporating social health in a structured manner into their HR agendas. They must understand 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, but now we see a further step: understanding that humans are social by nature, and that healthy work relationships are crucial for overall well-being," reinforces Aere.

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

Five tips to increase conversions with virtual catalogs on WhatsApp

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Five tips to increase conversions with virtual catalogs on WhatsApp

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

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

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

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

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

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

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

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

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

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

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

From Data to Insight: AI in Document Governance and Risk Analysis

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From Data to Insight: AI in Document Governance and Risk Analysis

Artificial intelligence has gone from being just an automation tool to becoming a strategic part in document management.What was previously limited to OCR OCR (optical character recognition) and file digitization has now evolved into systems capable of interpreting content, identifying nonconformities and even predicting operational and legal risks.In regulated sectors such as financial, health and energy, this transformation means not only efficiency, but also regulatory security and resilience in the face of increasingly complex environments.

This allows, for example, to classify and index files automatically according to their content and type, eliminating manual indexing. Queries that previously depended on exact keywords today can be semantic (AI understands the meaning of the request and locates information even if described otherwise. In short, we left an era in which documents were only “digitalized” to another in which they are interpreted by the machine.

More revolutionary still has been the leap to predictive analytics. Instead of reacting to errors or fraud after the fact, organizations adopt AI to predict future risks from historical patterns. Predictive machine learning models scour past data & transactions, records, occurrences & identify subtle signs of potential problems.Often, these signals would go unnoticed by conventional analysis, but AI can correlate complex variables and anticipate operational, financial, regulatory or reputational risks.

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

Applications in the Financial sector

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

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

Optimizations in Health

In healthcare, AI is optimizing both clinical record management and administrative processes. Hospitals handle medical records, reports, covenant guides and a multitude of documents (where an error can mean anything from breaches to privacy regulations to loss of revenue. AI tools can extract data from medical records and exams to automatically verify that procedures and charges are duly justified in medical records, reducing the risk of questioning or audits.

In addition, AI has revolutionized the fight against medical glosses: through predictive analysis of billing history, it identifies factors correlated to covenant refusals : for example, an absent ICD code that would increase in 70% the chance of glosa 3 and signals the account with risk before shipping. According to the Hospitals Union, the use of AI can reduce hospital glosses by up to 30%, in addition to bringing more speed and transparency to the billing cycle.

Another gain is in the security of sensitive data: algorithms monitor access to medical records and ensure compliance with laws such as the LGPD, detecting misuse of patient information.

Legal: litigation prevention with predictive contract analysis

In the legal environment, artificial intelligence has been transforming the way contracts and legal documents are managed. More than supporting manual review, contractual analysis algorithms use machine learning and natural language processing techniques to identify risk clauses, unusual patterns and editorial inconsistencies that, in the history of the company or the sector, usually result in legal disputes. By signaling these critical points in advance, AI allows preventive adjustments ¡e.g., in terms renegotiation, language standardization or adaptation to current standards.

This predictive use significantly reduces the likelihood of costly and time-consuming litigation, as well as providing ongoing legal certainty.In highly regulated industries such as finance and healthcare, automated contract analysis helps verify that clauses comply with legislation such as the LGPD or with specific regulatory agency requirements, avoiding sanctions.In areas such as infrastructure and energy, where contracts are long and complex, AI facilitates the detection of ill-defined obligations or conflicts of liability that could generate future processes.

By integrating predictive tools into contract management, organizations not only gain efficiency, but also raise legal governance to a strategic level, in which decisions are no longer reactive and are based on intelligent and continuous monitoring.

More than a trend, the integration of AI into documentary processes has become a competitive need. In sectors full of standards and obligations, it is no longer enough to organize files 5 IT is necessary to extract intelligence from them. And this is exactly 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 merely operational role to a strategic role in the risk management of organizations. The future of document management has already arrived, and it is intelligent and proactive.

Payments Summit: EBANX Announces AI, Stablecoin, Payout, and Philippine Expansion Solutions

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Payments Summit: EBANX Announces AI, Stablecoin, Payout, and Philippine Expansion Solutions

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, artificial intelligence tools enhancing the efficiency and security of digital transactions, and instant payout systems through local payment networks. EBANX also announced expansion into the Philippines, integrating the two leading digital wallets in the market there.

The announcements were made on EBANX Payments SummitOne of the leading 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 to make that future accessible to businesses and consumers worldwide," he said. John Del Valle, CEO 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 of receiving the amount in USDC, USDT, or the traditional currencies already integrated into the platform. This solution makes international trade faster, more reliable, and more flexible, especially in regions where the banking system is fragmented or inefficient.

EBANX offers the speed of blockchain with the convenience of the traditional financial system, enabling global businesses to access new markets faster with simplified settlements and no infrastructure barriers. explained Eduardo de AbreuProduct Vice President at 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, the total volume of 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 firm. The 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 at EBANX makes the company's portfolio even more comprehensive. In total, over 200 payment methods are integrated into the platform, enabling businesses worldwide to receive payments in USDC, USDT, US dollars, euros, or local currencies. All options are offered with rapid settlement and regulatory support.

Artificial intelligence
At No Summit, EBANX unveiled three new AI tools to boost approval rates, reduce risk, and generate crucial insights for sustainable growth. The first is a fraud detection system Using 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 a more than four percentage point increase in card payment approvals without raising return rates.

The second tool is a... Intelligent routing system based on AIThe 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. Within a group of over 170 companies that have used this EBANX technology, approval rates increased by up to 10 percentage points.

Finally, EBANX announced its new Merchant Areaan AI-powered panel offering global companies 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 experts, EBANX has been able to develop unique and region-specific solutions, addressing country-specific challenges on a global scale. The translation of "destacou" depends heavily on the context. "Destacou" can mean many things, ranging from "highlighted" to "stood out" to "emphasized." Please provide the sentence or paragraph containing "destacou" for an accurate translation. John Del Valle.

Expansion into the Philippines
Present in over 20 markets in 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 penetration of credit cards. This combination is favorable for EBANX and our partners to grow successfully in the country," he said. Del Valle.

According to data from the research institution Payments and Commerce Market Intelligence (PCMI), analyzed by EBANX, the digital commerce market in the Philippines is expected to grow from USD 36 billion in 2025 to USD 61 billion in 2028, driven by one of the most connected populations in the world. According to the platform Statista98% Filipinos have internet access.

In a country where the... World Bank Estimates show that only 31% of people have credit cards, while digital wallets have become the most used payment method for online shopping, 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 more than 136 million accounts, they now exceed the number of people in the country. From now on, global companies can 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 legal entity establishment in the region.

Payout and Payment Bundles
The product line presented at the Mexico Summit includes EBANX Payout, a solution allowing 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, showcasing an average approval rate of 97% and processing times under 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 one 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 businesses can access up to 1 billion consumers with EBANX. Payment Bundles They include 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. "Disse" in Portuguese translates to "said" in English. Abreu.

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

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

The UOL, maior empresa brasileira de conteúdo, tecnologia e serviços digitais, junto com a NEOOH and helloo, líderes em mídia out of home, lançaram em evento presencial em São Paulo o projeto “Futebol e Alto Impacto”. A iniciativa, inédita no mercado publicitário, reúne o melhor conteúdo do futebol 2026 em uma proposta multiplataforma, presente no digital, nas redes sociais, na CTV, na PayTV, no OOH e em experiências ao vivo. 

A sinergia entre as empresas garante um plano de mídia com mais de 30 bilhões de impactos ao longo da campanha. “As marcas estarão conosco em toda essa jornada, lado a lado com o público e muito além dos 90 minutos de cada partida. O UOL contribui com sua credibilidade jornalística e a força de uma audiência massiva, oferecendo informação, entretenimento e celebração em todas as telas. Nosso objetivo é ampliar os pontos de conexão entre emoção e marcas, tornando a experiência do torneio ainda mais completa”, afirma Paulo Samia, CEO do UOL. 

O “Futebol e Alto Impacto” conta com a cobertura de peso do UOL, com seus principais programas esportivos, como UOL News Esporte, Fim de Papo, De Primeira e Posse de Bola, liderados por talentos reconhecidos do jornalismo esportivo.  

Além da cobertura diária, a produção será intensificada com conteúdos exclusivos para redes sociais, como especiais sobre atletas, curiosidades da competição, palpites e até um comentarista-influenciador criado por inteligência artificial. Todo esse conteúdo será desdobrado em Instagram, TikTok, Kwai, UOL Flash e WhatsApp. 

O projeto também se conecta com os torcedores em experiências ao vivo, em uma parceria com o Torcida N1, o camarote mais tradicional do país, os jogos do Brasil ganharão festas inesquecíveis, com shows e ativações de marca que terão cobertura exclusiva do UOL e participação de influenciadores. 

A distribuição ganha ainda mais força com a NEOOH, presente em mais de 45 mil telas espalhadas pelo Brasil. 

“Com a NEOOH, levamos a experiência para aeroportos, parques, academias, terminais de transporte e escritórios em todo o país, criando um ambiente de contato direto e constante com milhões de brasileiros. Nossa missão é oferecer às marcas a oportunidade de estarem presentes em momentos estratégicos para a audiência. Trata-se de um projeto que une três grandes empresas, em que uma complementa a outra, possibilitando uma entrega inédita no mercado publicitário”, destaca Leonardo Chebly, CEO da NEOOH. 

Já nos espaços de convivência e lazer, a helloo complementa a estratégia com telas em mais de 110 shoppings, aeroportos e outras 15 mil em condomínios residenciais, além de ativações com projetos especiais e mídias externas. “Na helloo, construímos um ecossistema de mídia OOH único no país, que alcança mais de 46 milhões de pessoas por mês, de norte a sul do Brasil. O futebol é uma paixão nacional, e mais do que contar sobre a Copa, conectamos marcas a essa energia nos lugares onde as pessoas vivem e se relacionam. É nesse ambiente de proximidade que as marcas conseguem criar conexões genuínas com milhões de torcedores”, afirma Rafael Saito, diretor-geral da helloo. 

O projeto conta com 22 cotas de patrocínio, distribuídas em quatro categorias: máster, ouro, prata e bronze. 

Translating "A Integração entre Programas de Compliance e a Lei Geral de Proteção de Dados" accurately and naturally into English, while preserving its technical tone and context, yields: **The Integration Between Compliance Programs and the General Data Protection Law** Here's why this is the best translation: * **A Integração:** "The Integration" is a direct and accurate translation. * **entre:** "between" is the correct preposition. * **Programas de Compliance:** "Compliance Programs" is the standard and correct term in English. There's no need to deviate or explain this. * **e:** "and" is straightforward. * **a Lei Geral de Proteção de Dados:** "the General Data Protection Law" is the precise and widely recognized translation of Brazil's LGPD. It's crucial to use "Law" instead of "Act" or "Regulation" here, as "Lei" specifically translates to "Law." This translation maintains the formal, technical, and slightly academic tone of the original Portuguese title.

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Translating "A Integração entre Programas de Compliance e a Lei Geral de Proteção de Dados" accurately and naturally into English, while preserving its technical tone and context, yields:**The Integration Between Compliance Programs and the General Data Protection Law**Here's why this is the best translation:* **A Integração:** "The Integration" is a direct and accurate translation.* **entre:** "between" is the correct preposition.* **Programas de Compliance:** "Compliance Programs" is the standard and correct term in English. There's no need to deviate or explain this.* **e:** "and" is straightforward.* **a Lei Geral de Proteção de Dados:** "the General Data Protection Law" is the precise and widely recognized translation of Brazil's LGPD. It's crucial to use "Law" instead of "Act" or "Regulation" here, as "Lei" specifically translates to "Law."This translation maintains the formal, technical, and slightly academic tone of the original Portuguese title.

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

With the enactment of Law no. 13,709/2018 (General Law for the Protection of Personal Data (GDPR), the Brazilian legal system began to count on a new regime aimed at the protection of privacy and the protection of personal data, imposing specific obligations on all processing agents.

 In this context, the intersection between compliance and LGPD proves to be inevitable. Compliance with the LGPD is not just a technical requirement, but constitutes a true legal duty. Its failure to comply can generate administrative, civil and, in certain situations, even criminal liability, in addition to causing serious damage to the institutional reputation, in relation to the company, which does not follow such parameters.

Thus, it is essential that compliance programs are fully aligned with the LGPD guidelines, aiming at mitigating 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 illicit data leakage and ensure legal compliance.

In this area, 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, we highlight: the mapping and documentation of all personal data processed by the organization, covering its collection, storage and disposal; the elaboration of privacy policies and terms of use clear and accessible, which accurately inform how data are collected, used and protected; the creation of a service channel to data holders, enabling the exercise of their rights, such as access, correction, exclusion, portability and revocation of consent; the continuous performance of incidental and protection of data to the protection and a culture of ethics.       

 That is, data governance, in turn, involves the definition of processes, policies and structures responsible for the safe and effective management of data within the organization. However, when this governance is not articulated with compliance, it creates the problematization, which can be compromised both legal certainty and the reputation of the company.

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

Amanda Batista Fernandes Segala is a lawyer at the Rucker Curi Law Firm and Legal Consultancy.

Simples Nacional includes 72.5% of active companies in Brazil in 2025, points out IBPT study

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Simples Nacional includes 72.5% of active companies in Brazil in 2025, points out IBPT study

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 Micro-Entrepreneurs (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.

Investimento em IA cresce, mas desafios de capacitação e dados limitam seu impacto

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Investimento em IA cresce, mas desafios de capacitação e dados limitam seu impacto

Almost unanimously (96%) stating they will increase investments in Artificial Intelligence (AI) this year, CIOs (Chief Information Officers) face a paradox: only 49% say their teams are prepared, and 46% report insufficient data to support projects, according to a recent PwC study.

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

"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 for leaders; empowering people, ensuring robust technical support, and integrating systems to transform AI into a real competitive advantage," says João Neto, CRO of Unentel.

AI governance is also under construction: only 42% of companies have structured policies, and 49% are in the process of implementation, according to Logicalis. Even so, results are appearing quickly: 77% of companies that invested in the last 12 months have already registered a return on investment.

In other words, even with structural gaps, AI is already showing concrete results, making investment in training and good governance practices more urgent. There's still plenty of room to expand them and see a greater return on results, the CRO continues.

Another important fact, highlighted by Gartner, indicates that 63% of companies with a high level of AI maturity already track the results of their projects using solid ROI and customer satisfaction metrics. However, less than half of these organizations manage to keep their AI projects operational for three years or more, reinforcing the importance of structured, long-term strategies.

For these AI investments to be lasting and transformative, it's necessary to elevate team confidence and operational capacity, strengthen data management, and consolidate a culture of continuous learning—a triad that, according to João Neto, is fundamental to ensuring that innovation truly translates into business value.

"It's not enough to invest: you need to prepare the ground so that data, people, and culture can walk together," the executive concludes.

Brazil may gain +13 points in GDP with AI by 2035, but lack of data and capacity building threatens progress

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Brazil may gain +13 points in GDP with AI by 2035, but lack of data and capacity building threatens progress

Quase unânimes (96%) em afirmar que vão ampliar os investimentos em Inteligência Artificial (IA) neste ano, os CIOs, diretores de Tecnologia de Informação, enfrentam um paradoxo: apenas 49% dizem que suas equipes estão preparadas e 46% relatam insuficiência de dados para sustentar os projetos, conforme recente estudo da PwC. Outro levantamento da própria PwC aponta que, se bem implementada, a adoção da IA pode adicionar até 13 pontos percentuais ao PIB brasileiro até 2035, reforçando a urgência em superar esses desafios.

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

"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 for leaders; empowering people, ensuring robust technical support, and integrating systems to transform AI into a real competitive advantage," says João Neto, CRO of Unentel.

AI governance is also under construction: only 42% of companies have structured policies, and 49% are in the process of implementation, according to Logicalis. Even so, results are appearing quickly: 77% of companies that invested in the last 12 months have already registered a return on investment.

In other words, even with structural gaps, AI is already showing concrete results, making investment in training and good governance practices more urgent. There's still plenty of room to expand them and see a greater return on results, the CRO continues.

Another important fact, highlighted by Gartner, indicates that 63% of companies with a high level of AI maturity already track the results of their projects using solid ROI and customer satisfaction metrics. However, less than half of these organizations manage to keep their AI projects operational for three years or more, reinforcing the importance of structured, long-term strategies.

For these AI investments to be lasting and transformative, it's necessary to elevate team confidence and operational capacity, strengthen data management, and consolidate a culture of continuous learning—a triad that, according to João Neto, is fundamental to ensuring that innovation truly translates into business value.

"It's not enough to invest: you need to prepare the ground so that data, people, and culture can walk together," the executive concludes.

Coface starts research on deadlines and payment habits of companies in Latin America

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Coface starts research on deadlines and payment habits of companies in Latin America

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

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

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

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

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

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

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

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

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

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