Start Site Página 9

A terceira dimensão do bem-estar: por que a saúde social é a nova prioridade das empresas competitivas

E-Commerce Update
-
0
A terceira dimensão do bem-estar: por que a saúde social é a nova prioridade das empresas competitivas

For years, corporate wellness 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 ground in the strategies of the most innovative companies: social health.

The concept, which was highlighted in global events such as SXSW and has been consolidated in international organizations, starts from the idea that the quality of social connections within the work has a direct impact on mental, physical health and even professional performance.

“The absence of significant social ties in the corporate environment can generate isolation, increase the risk of illness and compromise both motivation and talent retention. On the other hand, teams that cultivate healthy interactions have more creativity, collaboration and engagement”, explains Eliane Aere, president of ABRH-SP

In Brazil, ABRH-SP, a reference in discussions of trends in people management, points out that social health is beginning 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 employees;
  • Affinity networks that strengthen diversity and inclusion;
  • Corporate volunteering initiatives, which expand social ties within and outside the company;
  • Policies that encourage coexistence and collaboration, in hybrid or face-to-face models.

According to the association, the challenge for Brazilian companies will be to incorporate social health in a structured way into their HR agendas, understanding that interpersonal bonds are not just an “extra”, but a strategic component of well-being and organizational competitiveness.

“If until recently we spoke of mental health as the new focus, now we see a step forward: understanding that the human being is social by nature, and that healthy relationships at work are crucial for integral health”, reinforces Aere.

As this trend advances, the future of corporate well-being in Brazil should expand to include strategies that promote belonging, support networks and human connections, consolidating social health as a priority on the agenda of companies.

Five tips to increase conversions with virtual catalogs on WhatsApp

E-Commerce Update
-
0
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 one of the key sales channels in Brazil. According to a We Are Social survey (2024), 96% Brazilians use the app daily, while a SEBRAE study (2023) shows that 72% small businesses already use it as their primary sales tool. **Note:** The numbers "96%" and "72%" are likely placeholders or contain errors. They should be replaced with the actual figures for an accurate translation.

Consequently, specialized platforms are gaining traction by offering solutions that enhance app usage for conversion. According to André Campos, CEO of VendizapThe company's interface was developed to transform every 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 suited for those already selling and seeking organized scaling, faster customer service, greater order control, 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 only use standalone messages. "Our goal is to support entrepreneurs who want to digitize their businesses without relying on marketplaces or complex websites, using a tool already part of their daily routine: WhatsApp," the statement concludes. Fields.

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

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

2. Use Instagram and Facebook as a daily catalog. Fuel your social media with products, testimonials, and behind-the-scenes content. Explore Reels, Stories 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 hours and photos updated, and encourage customer reviews. "People searching on Google are ready to buy. This is the hottest traffic there is," emphasizes the [missing text] CEO of Vendizap.

4. Highlight key products with visual appeal: Highlight strategic catalog items using high-quality images and tags like "Best Seller" or "Weekly Promotion." 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, personalizing it based on their consumption profile. Frequent updates strengthen relationships and increase repeat purchases.

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

The guidelines emphasize that success in digital sales depends as much on good tools as on how the entrepreneur relates to their customers. In this regard, André Campos Highlights the importance of viewing WhatsApp as more than just a messaging channel. "These practices show that selling on the app goes far beyond just responding to messages. When the entrepreneur creates a community, positions themselves on social networks, appears on Google, organizes their catalog, and measures results, they transform the app into a channel for relationship building and recurring sales," concludes the author. 

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

E-Commerce Update
-
0
From Data to Insight: AI in Document Governance and Risk Analysis

Artificial intelligence has ceased to be just an automation tool to become a strategic component in document management. What was once limited to OCR (optical character recognition) and the digitization of files has now evolved into systems capable of interpreting content, identifying non-compliance, and even predicting operational and legal risks. In regulated sectors such as finance, healthcare, 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 automatically classify and index files based on their content and type, eliminating manual indexing. Queries that once relied on exact keywords can now be semantic – the AI understands the meaning of the request and locates information even if described differently. In summary, we have moved from an era where documents were merely "digitized" to one where they are interpreted by the machine.

Even more revolutionary has been the leap towards predictive analytics. Instead of reacting to errors or fraud after the fact, organizations are adopting AI to predict future risks based on historical patterns. Machine learning predictive models sift 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.

In contract and legal management, AI also demonstrates its predictive power. Contract analysis tools identify atypical clauses or anomalous patterns in documents that historically lead to legal disputes, signaling these issues before a problem even occurs. Thus, the company can renegotiate or correct questionable 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, cross-referencing customer data, contracts, and operations to look for signs of irregularities. This includes everything from verifying 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 the automated monitoring of suspicious operations, 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 adjust and avoid sanctions.

These approaches increase the detection rate of issues and reduce audit costs. In fact, 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 the healthcare sector, AI is optimizing both clinical record management and administrative processes. Hospitals handle medical records, reports, referral forms, and a multitude of documents—where an error can mean anything from breaches of privacy regulations to lost revenue. AI tools can extract data from medical records and tests to automatically verify whether procedures and charges are properly justified in the medical records, reducing the risk of inquiries or audits.

Furthermore, AI has been revolutionizing the fight against medical write-offs: through predictive analysis of billing history, it identifies factors correlated with plan denials – for example, a missing ICD code that would increase the chance of a write-off by 30% – and flags the account at risk before it is sent. According to the Hospital Association, the use of AI can reduce hospital write-offs by up to 30%, as well as bring more speed and transparency to the billing cycle.

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

Legal: Litigation prevention with predictive contract analysis

In the legal environment, artificial intelligence is transforming the way contracts and legal documents are managed. More than just supporting manual review, contract analysis algorithms use machine learning and natural language processing techniques to identify risk clauses, unusual patterns, and drafting inconsistencies that, in the company's or industry's history, often result in legal disputes. By signaling these critical points in advance, AI allows for preventive adjustments — whether in renegotiating terms, standardizing language, or ensuring compliance with current regulations.

This predictive use significantly reduces the likelihood of costly and time-consuming litigation, while also offering continuous legal certainty. In highly regulated sectors, such as finance and healthcare, automated contract analysis helps verify whether clauses comply with legislation like the LGPD or with specific requirements from regulatory agencies, avoiding sanctions. In areas like infrastructure and energy, where contracts are long and complex, AI facilitates the detection of poorly defined obligations or conflicts of responsibility that could generate 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 cease to be reactive and become based on intelligent and continuous monitoring.

More than a trend, the integration of AI into document processes has become a competitive necessity. In sectors filled with regulations and obligations, it is no longer enough to organize files – it is necessary to extract intelligence from them. And that is precisely what AI provides: the ability to transform documents into actionable insights, identifying patterns of non-compliance and anticipating problems before they become crises. Ultimately, from basic OCR to advanced predictive analytics, AI is redefining document management from a merely operational role to a strategic one in the risk management of organizations. The future of document management has already arrived, and it is intelligent and proactive.

Payments Summit: EBANX faz anúncios de soluções com IA, stablecoins, payout e expansão para as Filipinas

E-Commerce Update
-
0
Payments Summit: EBANX faz anúncios de soluções com IA, stablecoins, payout e expansão para as Filipinas

The EBANX, empresa global de tecnologia especializada em serviços de pagamentos transfronteiriços para mercados emergentes, apresentou uma nova geração de produtos desenvolvidos para fortalecer as operações de empresas globais que atuam na América Latina, África, Índia e Sudeste Asiático. As principais novidades são a inclusão de stablecoins como método de pagamento, ferramentas de inteligência artificial que aumentam a eficiência e a segurança das transações digitais, e sistemas de payouts instantâneos através de redes de pagamento local. O EBANX também anunciou a expansão da empresa para as Filipinas com a integração das duas carteiras digitais líderes de mercado no país.

Os anúncios foram feitos no EBANX Payments Summit, um dos principais eventos da indústria global de pagamentos, realizado entre 17 e 20 de setembro, na Cidade do México.

“Os mercados emergentes são o futuro do comércio digital, e nós estamos construindo a infraestrutura que vai tornar esse futuro acessível a empresas e consumidores do mundo todo”, disse João Del Valle, CEO e Cofundador do EBANX. “Nosso investimento em novos produtos e o comprometimento em levá-los para novos mercados refletem nossa visão de um mundo onde qualquer empresa possa atender qualquer consumidor, não importa onde ele esteja ou como prefira pagar”, acrescenta.
 

Clique Para Download
João Del Valle no EBANX Payments Summit 2025 (EBANX/Divulgação)

Pagamento e liquidação com stablecoins
Em breve, empresas globais que operam em mercados emergentes poderão aceitar pagamentos em stablecoin através do EBANX, com a opção de receber o valor em USDC, USDT ou nas moedas tradicionais que já estão integradas à plataforma. Essa solução torna o comércio internacional mais rápido, confiável e flexível, principalmente em regiões onde o sistema bancário é fragmentado ou pouco eficiente.

“O EBANX oferece a velocidade do blockchain com a conveniência do sistema financeiro tradicional, permitindo que empresas globais acessem novos mercados mais rapidamente, com liquidações simplificadas e sem barreiras de infraestrutura”, explicou Eduardo de Abreu, Vice-Presidente de Produto do EBANX. “Stablecoins estão se tornando o primeiro método de pagamento verdadeiramente global; o impacto dessas moedas digitais é ainda maior em economias emergentes, com a adoção mais acelerada do que em qualquer outro lugar do mundo”.

A América Latina é exemplo dessa mudança: 71% das instituições financeiras da região já usam stablecoins para fazer pagamentos em outros países, segundo a plataforma Fireblocks. A média global é de 49%. No Brasil, o total das transações locais com essas moedas digitais disparou 208% em um ano. Na Argentina, stablecoins já representam 62% do volume total de transações e estão ajudando consumidores e empresas a navegar pela volatilidade das moedas tradicionais, de acordo com dados da Chainalysis, empresa de análise de blockchain. O instituto de pesquisa FXC Intelligence estima que o valor total endereçável (TAM, Total Addressable Market, em inglês) para pagamentos transfronteiriços usando stablecoins se aproxima de USD 24 trilhões em economias de alto crescimento.

A chegada de stablecoins ao EBANX torna o portfólio da empresa ainda mais completo. No total, são mais de 200 métodos de pagamento integrados à plataforma, permitindo que empresas de todo o mundo tenham a flexibilidade de receber em USDC, USDT, dólares americanos, euros ou moedas locais. Todas as opções são oferecidas com liquidação rápida e suporte regulatório.

Inteligência artificial
No Summit, o EBANX apresentou três novas ferramentas de inteligência artificial para elevar taxas de aprovação, reduzir riscos e produzir análises importantes para um crescimento sustentável. A primeira delas é um sistema de detecção de fraudes que usa modelos de IA para analisar mais de 100 variáveis de dados por transação em tempo real, gerando um índice de probabilidade que orienta decisões de aprovação. No Brasil, empresas globais usando essa nova funcionalidade viram um aumento de mais de quatro pontos percentuais na aprovação de pagamento com cartões sem elevar as taxas de estorno.

A segunda ferramenta é um sistema de roteamento inteligente baseado em IA. O produto é capaz de avaliar o nível de risco e o contexto de cada transação antes de escolher a melhor combinação de adquirente e ID do comerciante (Merchant ID ou MID, em inglês). Dessa forma, ele consegue se adaptar de forma dinâmica a mudanças em condições do mercado, comportamento do emissor e performance da rede. Em um grupo de mais de 170 empresas que já usaram essa tecnologia do EBANX, as taxas de aprovação subiram em até 10 pontos percentuais.

Por último, o EBANX anunciou sua nova Área do Merchant, um painel alimentado por IA que oferece a empresas globais uma gestão de pagamentos inteligente e adaptada para cada região. “Ao combinar inteligência artificial feita para os mercados onde atuamos com a experiência e o conhecimento prático dos nossos especialistas locais, o EBANX foi capaz de desenvolver soluções únicas e específicas para cada região, resolvendo desafios de cada país em escala global”, destacou João Del Valle.

Expansão para as Filipinas
Presente em mais de 20 mercados da América Latina, África e Índia, o EBANX anunciou no Summit sua chegada às Filipinas, país com uma população de 118 milhões de pessoas. Essa expansão estratégica para o Sudeste Asiático abre as portas para empresas globais alcançarem uma das economias digitais que mais crescem na região.

“Ao mesmo tempo em que oferecem grande potencial, com o e-commerce projetado para dobrar em três anos, as Filipinas trazem desafios que sabemos como resolver, como a baixa penetração de cartões de crédito. Essa combinação é favorável para que o EBANX e nossos parceiros cresçam no país de forma bem-sucedida”, afirmou Del Valle.

De acordo com dados da instituição de pesquisa Payments and Commerce Market Intelligence (PCMI) analisados pelo EBANX, o comércio digital das Filipinas deve crescer de USD 36 bilhões em 2025 para USD 61 bilhões em 2028, impulsionado por uma das populações mais conectadas do mundo. Segundo a plataforma Statist, 98% dos filipinos têm acesso à internet.

Em um país onde o World Bank estima que apenas 3% das pessoas possuem cartão de crédito, as carteiras digitais se tornaram o método de pagamento mais usado para compras online, com participação de mercado de 38% e crescimento projetado de 28% em três anos, bem acima da média global de 15% a 20%, de acordo com dados da PCMI.

O EBANX integrou as duas carteiras digitais mais populares das Filipinas, GCash e Maya, que juntas possuem mais de 136 milhões de contas, superando o número de pessoas no país. A partir de agora, empresas globais podem oferecer as duas opções de pagamento pelo EBANX, permitindo que consumidores locais paguem em pesos filipinos (PHP). A liquidação pode ser feita em dólares americanos, sem a necessidade de estabelecimento de entidade legal na região.

Payout e Payment Bundles
A linha de produtos apresentada no Summit do México inclui o EBANX Payout, uma solução que permite a empresas globais realizar pagamentos instantâneos para parceiros, vendedores e beneficiários em mercados emergentes usando moeda local por meio de redes domésticas, como o Pix no Brasil e Nequi na Colômbia, e também sem precisar ter entidade local.

Desenvolvido para operações de alto volume, o EBANX Payout integra a oferta de pagamentos da companhia, combinando as capacidades de pagar e receber em uma solução completa para empresas globais que operam em mercados emergentes. Esse novo produto automatiza pagamentos individuais e em lote, apresentando taxa média de aprovação de 97% e processamento inferior a 30 segundos. O EBANX Payout já é utilizado por companhias globais, incluindo plataformas de redes sociais que dependem da solução para remunerar criadores de conteúdo em mercados emergentes.

O EBANX também revelou seus novos Payment Bundles, que são uma solução para simplificar a forma como empresas globais vendem e crescem em países emergentes. “Em vez de habilitar métodos de pagamento um por um, as empresas agora podem acessar pacotes de pagamentos. Cada um deles foi desenhado para atingir um objetivo específico de negócio, seja trazer mais clientes ou gerar receita constante e recorrente”, explicou Eduardo de Abreu.

Através de quatro pacotes e uma única integração de API, empresas globais conseguem acessar até 1 bilhão de consumidores com o EBANX. Os Payment Bundles reúnem métodos como pagamentos instantâneos, boletos, cartões, transferências bancárias e carteiras digitais, além de pagamentos recorrentes. “Esse modelo elimina a complexidade de implementações fragmentadas, reduz os esforços de desenvolvimento, acelera a entrada de mercado, e maximiza o potencial de receita”, disse Abreu.

UOL, NEOOH e helloo lançam projeto publicitário inédito e multiplataforma “Futebol e Alto Impacto”

E-Commerce Update
-
0
UOL, NEOOH e helloo lançam projeto publicitário inédito e multiplataforma “Futebol e Alto Impacto”

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. 

Integrating Compliance Programs and the General Data Protection Law

E-Commerce Update
-
0
Integrating Compliance Programs and the General Data Protection Law

The increasing complexity of legal and commercial relationships in contemporary society requires organizations to adopt structured mechanisms for internal control and regulatory compliance. In this scenario, the implementation of compliance programs becomes an essential tool to ensure adherence to laws, regulations, ethical standards, and internal policies.

With the enactment of Law No. 13,709/2018 (General Data Protection Law - LGPD), the Brazilian legal system now has a new regime aimed at safeguarding privacy and protecting personal data, imposing specific obligations on all processing agents.

 In this context, the intersection of compliance and LGPD (General Data Protection Law) proves to be inevitable. Observing the LGPD is not merely a technical requirement; it constitutes a genuine legal obligation. Non-compliance can lead to administrative, civil, and, in certain situations, even criminal liability, in addition to causing serious damage to the institutional reputation of the company that fails to adhere to these parameters.

Thus, it is fundamental that compliance programs are fully aligned with LGPD guidelines, aiming to mitigate 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 for preventing the illicit leakage of data and ensuring legal compliance.

In this regard, for a company to be aligned with the guidelines of the General Data Protection Law (LGPD) and a Compliance program, it is necessary to adopt a series of fundamental measures. Among them, the following stand out: the mapping and documentation of all personal data processed by the organization, covering its collection, storage, and disposal; the creation of clear and accessible privacy policies and terms of use, precisely informing how data is collected, used, and protected; the establishment of a service channel for data subjects, enabling the exercise of their rights, such as access, correction, deletion, portability, and revocation of consent; continuous training of employees regarding data protection and good security practices, promoting a culture of ethics in information handling and incident prevention; the establishment of effective security incident response procedures, allowing for quick and structured action in cases of leaks or undue access, with containment actions, risk assessment, and communication to authorities and data subjects; and, finally, the conducting of periodic internal audits, with the aim of evaluating continuous compliance and ensuring that legal guidelines are being effectively met.       

 In other words, data governance, in turn, involves defining the processes, policies, and structures responsible for the secure and effective management of data within the organization. However, when this governance is not articulated with compliance, it creates a problem, which can compromise both legal certainty and the company's reputation.

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

Amanda Batista Fernandes Segala is a lawyer at Rücker Curi Advocacia e Consultoria Jurídica.

Simples Nacional reúne 72,5% das empresas ativas no Brasil em 2025, aponta estudo do IBPT

E-Commerce Update
-
0
Simples Nacional reúne 72,5% das empresas ativas no Brasil em 2025, aponta estudo do IBPT

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.

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

E-Commerce Update
-
0
Investimento em IA cresce, mas desafios de capacitação e dados limitam seu impacto

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.

Brasil pode conquistar +13 pontos no PIB com IA até 2035, mas falta de dado e capacitação ameaça avanço

E-Commerce Update
-
0
Brasil pode conquistar +13 pontos no PIB com IA até 2035, mas falta de dado e capacitação ameaça avanço

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 launches research on payment terms and habits of companies in Latin America

E-Commerce Update
-
0
Coface launches research on payment terms and habits of companies in Latin America

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

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

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

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

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

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

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

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

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

1...8910...552Página 9 de 552

LATEST ARTICLES

POPULAR ARTICLES

POPULAR CATEGORIES

ABOUT US

E-Commerce Update is a leading company in the Brazilian market, specializing in producing and disseminating high-quality content about the e-commerce sector.

Contact: contact@ecommerceupdate.com.br

© E-Commerce Update 2024 - All rights reserved.

[elfsight_cookie_consent id="1"]