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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 well-being programs have focused primarily on physical and mental health, offering benefits such as gyms, therapy sessions, guided meditation, and expanded health plans. But a new pillar is beginning 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, 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. On the other hand, teams that cultivate healthy interactions show more creativity, collaboration, and engagement," explains Eliane Aere, president of ABRH-SP.

In Brazil, ABRH-SP, a reference in discussions about human resources management trends, points out that social health is starting to be seen 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, which strengthen social bonds within and outside the company;
  • Policies that encourage cohabitation 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 way 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. Now we see a step further: 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 likely to 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 digital business and the popularization of conversational commerce have solidified WhatsApp as a leading sales channel in Brazil. According to a We Are Social (2024) survey, 96% of Brazilians use the app daily, while a SEBRAE (2023) study shows that 72% of small businesses already adopt it as their primary sales tool.

Consequently, specialized platforms are gaining ground by offering solutions that enhance app usage for conversion. According to... André 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 recommended for those already selling and seeking to scale with organization, need faster customer service, more control over orders, and more conversions on WhatsApp, regardless of the industry," he explains.

Internal company reports show that retailers using integrated catalogs convert up to 30% more than those working only with detached messages. “Our purpose is to support entrepreneurs who want to digitize their businesses without relying on marketplaces or complex websites, using a tool that's 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 WhatsApp community: Build groups with loyal and interested customers. Offer exclusive content, flash sales, and behind-the-scenes glimpses of the business. Proximity 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 And surveys to engage. "If you only post products, you become a digital flyer. People want connection, not just price," emphasizes Fields.

3. Put your store on the map with Google My Business: Create a free profile, keep your 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 ... 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 draws 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 according to their consumption profiles. Frequent updates strengthen relationships and increase repeat purchases.

6. Always measure and adjust: Monitor metrics such as link openings and clicks. Tools like Flipsnack, Linklist, or trackable PDFs help identify what engages audiences the most and continuously improve the catalog.

The guidelines emphasize that success in digital sales depends on both good tools and how the entrepreneur interacts with their customers. In this regard, 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 just replying to 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 evolved from a mere automation tool to a strategic component in document management. What was previously limited to OCR (optical character recognition) and file digitization has now progressed to systems capable of interpreting content, identifying inconsistencies, and even predicting operational and legal risks. In regulated sectors like finance, healthcare, and energy, this transformation means 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. Queries that previously relied on exact keywords can now be semantic – the AI understands the meaning of the request and locates information even if described differently. In short, we've moved from an era where documents were merely "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 go unnoticed by conventional analysis, but AI can correlate complex variables and anticipate operational, financial, regulatory, or reputational risks.

AI also demonstrates its predictive power in contractual and legal management. Contract analysis tools identify atypical clauses or anomalous patterns in documents that have historically led to legal disputes, signaling these issues even 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 Finance 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 followed.

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

These approaches increase problem detection rates and reduce audit costs. In fact, McKinsey estimates that the structured application of AI to 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 handle patient charts, lab reports, insurance guidelines, and countless documents – where a single error can range from privacy violations to revenue loss. AI tools can extract data from charts and scans to automatically verify if procedures and charges are properly documented in medical records, reducing the risk of queries or audits.

Furthermore, AI has revolutionized the fight against medical claim rejections: through predictive analysis of billing history, it identifies factors correlated with insurance denials – for example, a missing ICD code that would increase the chance of rejection by 70% – and flags the account as at risk before submission. According to the Hospital Association, AI use can reduce hospital claim rejections by up to 30%, as well as bring greater 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: Litigation prevention 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, in a company's or industry's history, have often resulted in legal disputes. By signaling these critical points in advance, AI enables preventative adjustments – whether it's renegotiating terms, standardizing language, or adapting 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 regulatory agency requirements, thereby avoiding sanctions. In areas like infrastructure and energy, where contracts are long and complex, AI facilitates the identification 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 rife with regulations and obligations, simply organizing files is no longer enough – it's crucial to extract intelligence 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 escalate into crises. Ultimately, from basic OCR to advanced predictive analytics, AI is redefining document management, shifting it from a purely operational role to a strategic one in organizational risk management. The future of document management has arrived, and it's intelligent and proactive.

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

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

The EBANXGlobal technology company EBANX, specializing in cross-border payment services for emerging markets, unveiled a new generation of products designed to strengthen global company operations in Latin America, Africa, India, and Southeast Asia. Key innovations include the addition of stablecoins as a payment method, AI tools enhancing 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 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 are building the infrastructure that will make this future accessible to businesses and consumers worldwide," 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, no matter where they are or how they prefer to pay. adds
 

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

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, 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 of 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 the region's financial institutions already use stablecoins for cross-border payments, according to the platform. FireblocksThe global average is 49%. In Brazil, the total of local transactions with these digital currencies surged 208% in one 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... Chainalysisa blockchain analysis company. 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, there are over 200 payment methods 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 generate crucial 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 Intelligent routing system based on AIThe product can assess 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 using EBANX's technology, approval rates have increased by up to 10 percentage points.

Finally, EBANX announced its new Merchant Areaan AI-powered panel that provides global companies with intelligent payment management tailored to each region. By combining AI tailored to the markets where we operate with the experience and practical knowledge of our local experts, EBANX has been able to develop unique and region-specific solutions, addressing country-by-country challenges on a global scale. The best translation of "destacou" depends heavily on the context. "Destacou" can mean many different things in Portuguese. Please provide the sentence or paragraph containing "destacou" so I can give the most accurate and natural English translation. Joao Del Valle.

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

"While offering significant potential, with e-commerce projected to double within 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.

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 globally. According to the platform Statist98% Filipinos have internet access.

In a country where the... World Bank Estimates suggest that only 31% of people possess credit cards, while digital wallets have become the most frequently used payment method for online purchases, holding a 38% market share and projected to grow by 28% in three years, significantly exceeding the global average of 15-20%, according to PCMI data.

EBANX integrated the two most popular digital wallets in the Philippines. GCash and Please provide the text in Portuguese you want translated. "Maya" on its own is a name and can have various contexts., which together have over 136 million accounts, exceeding 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 made in US Dollars, without the need for establishing a legal entity in the region.

Payout and Payment Bundles
The product line presented at the Mexico Summit includes EBANX Payout, a solution enabling 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 needing 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, boasting 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 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 companies can reach up to 1 billion consumers with EBANX. Payment Bundles This gathers methods such as instant payments, bills, cards, bank transfers, and digital wallets, in addition to recurring payments. This model eliminates the complexity of fragmented implementations, reduces development efforts, accelerates market entry, and maximizes revenue potential. The word "disse" in Portuguese, in the absence of context, doesn't translate to a single, simple English word. It needs context. Possible translations depend heavily on the grammatical role and surrounding words. Please provide the sentence or paragraph containing "disse". Abreu.

UOL, NEOOH, and helloo launch unprecedented multi-platform advertising project “Football and High Impact”

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

The UOL, Brazil's largest company in content, technology, and digital services, together with NEOOH --- Note: The term "NEOCOH" appears to be a typo or a term that is not recognized in Portuguese. If you meant "NEOCOH" as a specific term, please provide additional context or correct the term. If it's a brand name, product, or a specific concept, more information is needed to provide an accurate translation. If "NEOCOH" is not intended to be translated and is meant to remain as is, the translation would simply be: NEOCOH and a It seems like your message is incomplete. If you provide the full text in Portuguese, I'd be happy to translate it into English for you. Please include the entire sentence or paragraph you'd like translated.It seems like "elloo" is a misspelling or a typo of the word "hello" in Portuguese. The correct translation of "hello" in English is: "Hello", leaders in out-of-home media, launched the project at a live event in São Paulo. "Football and High Impact"The initiative, unprecedented in the advertising market, brings together the best content from football 2026 in a multi-platform proposal, present in digital, social media, CTV, PayTV, OOH, and live experiences. 

The synergy between the companies guarantees a media plan with over 30 billion impacts throughout the campaign.Brands will be with us throughout this journey, side by side with the audience and far beyond the 90 minutes of each match. UOL contributes with its journalistic credibility and the strength of a massive audience, offering information, entertainment, and celebration on all screens. Our goal is to expand the points of connection between emotion and brands, making the tournament experience even more complete.", says Paulo Samia, CEO of UOL. 

The ""Football and High Impact" It features the weight coverage of UOL, with its main sports programs, such as UOL News Esporte, Fim de Papo, De Primeira, and Posse de Bola, led by recognized talents in sports journalism.  

In addition to daily coverage, the production will be intensified with exclusive content for social media, such as special features on athletes, trivia about the competition, predictions, and even an influencer-commentator created by artificial intelligence. All this content will be distributed across Instagram, TikTok, Kwai, UOL Flash, and WhatsApp. 

The project also connects with fans through live experiences, in a partnership with Torcida N1, the most traditional fan section in the country. Brazil's matches will feature unforgettable parties, with concerts and brand activations that will have exclusive coverage by UOL and the participation of influencers. 

Distribution gains even more strength with NEOOH, present in over 45 thousand screens spread across 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 brings together three major companies, each complementing the other, enabling an unprecedented delivery in the advertising market.", highlights Leonardo Chebly, CEO of NEOOH. 

In the spaces for socializing and leisure, helloo complements the strategy with screens in over 110 shopping malls, airports, and another 15,000 in residential condominiums, in addition to activations with special projects and outdoor media. “At 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 just reporting on the World Cup, we connect brands to this energy in the places where people live and interact. It is in this environment of proximity that brands can create genuine connections with millions of fans,” says Rafael Saito, general director of helloo. 

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 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 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 grows, but training and data challenges limit its impact

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Investment in AI grows, but training and data challenges limit 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 add +13 points to GDP with AI by 2035, but lack of data and training threatens progress

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Brazil could add +13 points to GDP with AI by 2035, but lack of data and training 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

Coface, a global leader in credit insurance and risk management, announces the start of... LATAM 2025 Research on Payments and Defaultswhich will gather insights from companies of different sizes and sectors regarding average payment terms, delays, and the use of financial protection tools.

The research is a comprehensive study that will analyze the financial practices of companies throughout Latin America, with a focus on Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, and Peru. The survey depicts how companies structure their credit policies, manage payment terms, address defaults, and adopt financial solutions to protect their results and sustain growth. 

Furthermore, the study identifies similarities and differences between countries and sectors, providing valuable comparative insights for executives making strategic decisions.

By participating, companies will have priority access to an exclusive report, featuring regional benchmarks and in-depth insights into trends directly impacting cash flow, financial health, and organizational resilience. This is a unique opportunity to understand their market positioning, anticipate emerging risks, and explore relevant opportunities. 

Published annually, the study is a key reference for tracking the evolution of credit habits in the region, offering a comprehensive view of the factors influencing cash flow and the financial health of businesses. In the latest edition, the survey gathered hundreds of responses from companies in various countries, revealing trends in delinquency and the increasing interest in solutions like credit insurance.

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

The research will be open during the months of September and October, and the consolidated results will be presented in November at an exclusive event for journalists and businesses. 

"Our goal is to capture the signals of change in payment behavior of Latin American companies and provide insights to help managers anticipate risks. In a scenario of uncertainty, quality information becomes even more essential," says Isabelle Heude, Commercial and Operations Director.

Coface emphasizes that company participation is crucial for enriching the analysis. The questionnaire can be accessed at the following link: Latam Payment Research 2025 | Coface. 

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