Impi enkulu yezinja ekulethweni ishintsha imakethe.

Imakethe yokudiliva yase-Brazilian okwamanje ibhekene noshintsho lwesakhiwo oludlulela ngalé kokufakwa kwezinhlelo zokusebenza ezintsha noma ukubuyiselwa kwezinkundla ezindala. Okwenzekayo kuwukucushwa kabusha okujulile kwemibandela yokuncintisana, ezobuchwepheshe, kanye nokuziphatha, kwethula lokho esingakubiza ngokuthi inkathi "ye-hyper-convenience ethuthukisiwe."

Ukukhula kwalesi siteshi kunombono omusha nophawulekayo ngenxa yenhlanganisela yezinto ezinqunywe ukufika kwe-Keeta, ukusheshisa kuka-99, kanye nokusabela kwe-iFood.

Sekuyimpi enkulu yenja, nemithelela yayo idlulela ngalé kwemikhakha yezokudla noma yesevisi yokudla, njengoba okuhlangenwe nakho kwengxenye, isiteshi, noma isigaba kusiza ekulolongeni ukuziphatha kwabathengi, izifiso, nokulindelwe ngendlela ebanzi kakhulu.

Ucwaningo olwenziwa yi-Crest oluvela ku-Gouvêa Inteligência lubonisa ukuthi ezinyangeni ezingu-9 zokuqala zika-2025, ukulethwa kumelele u-18% wokuthengiswa kwezinsiza zokudla eBrazil, okuhlanganisa u-R30.5 billion osetshenziswe abathengi, nokukhula ngo-8% uma kuqhathaniswa nesikhathi esifanayo ngo-2024, ukukhula okuphezulu kakhulu phakathi kweziteshi kulo mkhakha.

Mayelana nokukhula okumaphakathi konyaka, kusukela ngo-2019 ukulethwa kukhule ngesilinganiso esingu-12%, kanti isevisi yokudla iyonke ikhule ngo-1% ngonyaka. Isiteshi sokulethwa sesivele simele u-17% wayo yonke imali esetshenziswa kusevisi yokudla kuzwelonke, cishe ngezigidigidi eziyi-1.7 okwenziwa ngo-2024, kuyilapho e-US, uma kuqhathaniswa, isabelo saso singu-15%. Umehluko uchazwa ngokwengxenye amandla okukhipha phakathi kwezimakethe ezimbili, aphezulu kakhulu e-US.

Sekuyiminyaka, lo mkhakha ubhekene nokuncintisana kwangempela okuphansi kanye nezinye izindlela ezimbalwa. Lokhu kuholele kumodeli esebenza kahle kwabanye futhi ekhawulelwe kwabaningi, lapho ukugxilisa ingqondo nge-iFood kungalinganiselwa phakathi kuka-85 no-92%, okuyinto engahambisani nokunengqondo ezimakethe ezivuthiwe. Umphumela onokufaneleka okuhambisana ne-iFood.

Yasungulwa ngo-2011 njengesiqalisi sokulethwa, i-iFood iyingxenye ye-Movile futhi ihlanganisa ubuchwepheshe namabhizinisi kuzinhlelo zokusebenza, izinto zokusebenza, ne-fintech. Namuhla, i-iFood isiphenduke inkundla enkulu yokulethwa kokudla eLatin America futhi iye yanda ngaphezu kwenhloso yayo yasekuqaleni, ukuxhuma izitolo ezinkulu, amakhemisi, izitolo zezilwane ezifuywayo, nezinye iziteshi, isebenza njengendawo yemakethe elula futhi, ngokubanzi, njengendawo yemvelo, njengoba ihlanganisa nezinsizakalo zezezimali.

Babala amakhasimende asebenzayo ayizigidi ezingu-55 kanye nezindawo zozakwethu ezicishe zibe ngu-380,000 (izindawo zokudlela, izimakethe, amakhemisi, njll.) ezinamashayeli okulethwa kwezidingo abhalisiwe angu-360,000. Futhi kubikwa ukuthi beqe ama-oda ayizigidi eziyi-180 ngenyanga. Lena impumelelo enkulu.

I-99 iqale ukusebenza kwayo njengohlelo lokusebenza lokugibela futhi yatholwa ngo-2018 ngu-Didi, enye yezindawo ezinkulu kakhulu ze-ecosystem yase-China, esebenza futhi emkhakheni wezinhlelo zokusebenza ze-ride-hailing. Yayeka ukusebenza kwe-99Food ngo-2023 futhi manje isibuyile ngo-Ephreli 2025 nohlelo olunentshisekelo yokutshala imali kanye nohlelo lokuqasha abasebenzi, olunikeza ukufinyelela kwamahhala, ukukhushulwa okwengeziwe, kanye nezindleko eziphansi zokusheshisa ukukala.

Futhi manje sesinokufika kwe-Meituan/Keeta, i-ecosystem ye-Chinese-origin esebenza emazweni amaningana e-Asia naseMpumalanga Ephakathi futhi ibika ukuthi isebenzela amakhasimende acishe abe yizigidi ezingu-770 e-China, alethe izigidi ezingu-98 nsuku zonke. Le nkampani isivele isimemezele ukutshalwa kwezimali kuka-US$1 bhiliyoni ngomsebenzi wayo wokukhulisa izimakethe eBrazil.

Ngokufika kwe-Meituan/Keeta, ukubuya kwe-99Food, futhi ngokungangabazeki ukusabela kwe-iFood, ngaphezu komnyakazo wabanye abadlali asebevele besebenza, isimo sishintsha kakhulu nangesakhiwo.

Namuhla, lo mkhakha ubhekene nesigaba sokuncintisana okuphelele, ngemali enkulu, izinsiza, ubuchwepheshe, kanye nesifiso esilinganisweni esanele ukulungisa yonke igeyimu nokuba nomthelela kweminye imikhakha yezomnotho kanye nokuziphatha kwabathengi uqobo.

Lokhu kumiswa kabusha kudala imithelela emine eqondile nesheshayo:

– Izintengo ezincintisana kakhulu nezinyuso ezinonya kakhulu – Ukwehla kwentengo, okuvamile emijikelezweni yokungena kwabadlali abasha, kunciphisa umgoqo ekufinyeleleni kokulethwa futhi kwandise isidingo.

- Ukuphindaphinda kwezinye izindlela - Izinhlelo zokusebenza eziningi, abadlali, nezinketho zisho izindawo zokudlela eziningi, izigaba eziningi, imizila eminingi yokuletha, nokunye okunikezwayo okwengeziwe. Lapho amathuba amaningi, ukukhushulwa, kanye neminikelo, kukhulu ukutholwa, ukwandisa usayizi wemakethe ngokwayo.

- Ukuqamba okusha okusheshisiwe - Ukungena kwe-Keeta/Meituan eqhudelana ne-iFood kanye ne-99 kuletha ingqondo "ye-Chinese super app" enekhono le-algorithmic, isivinini sokusebenza, kanye nombono ohlanganisiwe wezinsizakalo zasendaweni. Lokhu kuzophoqa wonke umkhakha ukuthi uzimise kabusha.

- Ukunikezwa okwandisiwe kuholela esidingweni esikhulu - Ngokunikezwa okukhuphukayo, isidingo sizokhula, sikhuthaze ukukhula kwesakhiwo se-hyper-convenience.

I-thesis emaphakathi lapha ilula futhi isivele ifakazelwe ezimakethe ezahlukahlukene: lapho kunokwenyuka okukhulu kokuhlinzekwa ngokunethezeka okukhulu namanani ancintisanayo, imakethe iyakhula, inwebeke, futhi ikhiqize kokubili imithelela emihle nemibi kuwo wonke umuntu. Kodwa kukhona ukwenyuka okungokwemvelo nokufakazelwe ekuthandeni komkhakha. Futhi kuhlobene kakhulu nomphumela wokuphindaphinda wokwenza lula.

  • Izinketho eziningi namaphromoshini anama-oda avamile.
  • Amanani aphansi anezikhathi eziningi zokusetshenziswa.
  • Izigaba ezengeziwe ezinokusetshenziswa okukhulayo.
  • amamodeli ezinto ezintsha anesivinini esikhulu nokubikezela

Le sethi yezici inquma ukuthi yini ephawula lesi sikhathi sokwanda kokusebenziseka kalula emakethe yaseBrazil, lapho abathengi bethola khona ukuthi bangaxazulula okuningi kwezimpilo zabo zansuku zonke ngokusebenzisa izindlela zedijithali. Futhi hhayi nje ukudla, kodwa ukwanda kwezinye izigaba ezifana neziphuzo, imithi, ezempilo, ukunakekelwa komuntu siqu, izilwane ezifuywayo, nokunye okuningi.

Futhi lapho ukufaneleka kufinyelela kulelo zinga, ukuziphatha kuyashintsha. Ukuletha kuyeka ukuba umkhuba futhi kuba umkhuba. Futhi inqubo entsha ikhiqiza imakethe entsha, enkulu futhi enamandla, enokuncintisana futhi engase ibe nenzuzo kulabo abakwaziyo ukwenza imali ngayo.

Abasebenzisi bayazuza enkululekweni yokuzikhethela namamodeli amasha.

Nakuba izindawo zokudlela nabaqhubi sekuyisikhathi eside bekhala ngokuncika kwabo ohlelweni lokusebenza olulodwa olulawulayo, isimo sezwe manje siyalingana. Lokhu kulungiswa kabusha okuncintisanayo kuzoletha ozakwethu abaningi abangaba khona abanemibandela yezohwebo okungaxoxiswana ngayo, amakhomishana alinganiselayo, amaphromoshini amaningi kanye nezaphulelo, kanye nesisekelo samakhasimende esinwetshiwe.

Ngale kwalezi zici, ingcindezi yokuncintisana isheshisa inguquko yokusebenza kwabasebenzisi abanamamenyu athuthukisiwe, ukupakishwa okungcono, ukuhlelwa kabusha kwezinto, namamodeli amasha amakhishi amnyama, ukulanda, nokusebenza okuxubile. Kodwa udaba lubandakanya nabashayeli bokuthutha.

Izingxoxo zomphakathi zivame ukubuka abasebenzi bokulethwa kwezidingo kuphela nge-lens yokuqashwa okunengozi, kodwa kukhona ukuguquguquka kwezomnotho okubalulekile, njengoba lesi simo sidala izimo zokusebenza ezingcono ngenani elikhulayo lochwepheshe abathintekayo kulo msebenzi.

Ngezinhlelo zokusebenza eziningi nemikhiqizo eqhudelana ngesikhala, nakanjani kuzoba nokwenyuka kwenani lama-oda, ezinye izindlela zenkundla, izikhuthazo ezengeziwe, futhi konke lokhu kuthuthukisa umholo womuntu ngamunye.

Njengoba imakethe ihlelwa kabusha ukuncintisana phakathi kwabadlali abakheke kahle, kuzoba nokusheshisa kwayo yonke le nqubo ehlanganisa abathengisi, izindawo zokudlela, izinsiza zokulethwa, i-fintechs, abahlinzeki bezokuthutha, kanye nemisebenzi eyingxube, kanye nezinsizakalo zezezimali.

Kulo mongo obanzi, i-hyper-convenience iyayeka ukuba ithrendi futhi iba imodeli entsha yemakethe, ilungise kabusha.

Ukulethwa kungenisa esigabeni esinokulinganisela, esihlukahlukene, nesihlakaniphe kakhulu kuwo wonke ama-ejenti e-supply chain, nabathengi bathola izinketho eziningi, izintengo ezincintisana kakhudlwana, ukusebenza kahle, isivinini, nokunye ukukhetha.

Abasebenzisi bathola izinketho eziningi, imiphumela engcono, nezisekelo ezinwetshiwe, kuyilapho abashayeli bokulethwa bethola isidingo esikhulu, ezinye izindlela, nokuncintisana okunempilo phakathi kwezinhlelo zokusebenza, okuholela ekwandeni kukonke kwemakethe.

Lona umongo wenkathi ye-hyper-convenience, ethuthukiswa i-ecosystem enabadlali abaningi, izixazululo eziningi, nenani elikhulu elihilelekile, okunquma ukunwetshwa kanye nokuhlelwa kabusha kwemakethe ngokwayo.

Noma ubani othatha isikhathi eside kakhulu ukubamba ububanzi, ububanzi, ukujula, kanye nesivinini salolu shintsho emkhakheni wokulethwa kwezidingo uzosala ngemuva!

UMarcos Gouvêa de Souza ungumsunguli kanye no-CEO we-Gouvêa Ecosystem, i-ecosystem yamafemu okubonisana, izixazululo, nezinsizakalo ezisebenza kuyo yonke imikhakha yezimpahla zabathengi, ukudayisa, nokusabalalisa. Yasungulwa ngo-1988, iyibhentshimark eBrazil nasemhlabeni wonke ngombono wayo wamasu, indlela engokoqobo, kanye nokuqonda okujulile komkhakha. Funda kabanzi ku: https://gouveaecosystem.com

Umngcele omusha wokukhwabanisa imali: abathonya bedijithali kanye "nebhizinisi le-raffle"

Emashumini eminyaka, amandla ezomnotho nawepolitiki ayelinganiswa ngezikhundla, izimpahla, nokuxhumana kwezikhungo. Namuhla, kukalwa ngabalandeli, ukuzibandakanya, kanye nokufinyelela kwedijithali. Abagqugquzeli bedijithali babamba indima engaqondakali, lapho ngesikhathi esisodwa bengamabhrendi, izithixo, nezinkampani, kodwa ngokuvamile basebenza ngaphandle kwe-ID yentela, ngaphandle kokubala, futhi ngaphandle kwezibopho zentela ezifezwa wumphakathi wonke.

Ukuduma kwenkundla yezokuxhumana kudale imakethe efanayo lapho ukunakwa sekuphenduke imali kanye nedumela njengempahla okungaxoxwa ngayo. Inkinga iwukuthi endaweni efanayo lapho uhwebo lwedijithali luchuma khona, izindlela ezintsha zokushushumbiswa kwemali, ukubalekela intela, kanye nokucebisa ngokungemthetho nakho kuyachuma, konke okungaphezu kwamandla oMbuso.

Amarafu ezigidi zamadola, "iminikelo" evela kubalandeli, iminikelo yokupha, nokusakaza bukhoma okukhiqiza izinkulungwane zama-reais, kubagqugquzeli abaningi, imithombo emikhulu yemali engenayo. Kwezinye izimo, baye baba amamodeli ebhizinisi angempela, kodwa ngaphandle kokusekelwa ngokomthetho, ukuthobela, nokwengamela kwezezimali.

Umuzwa wokungajeziswa uqiniswa amandla omphakathi; abagqugquzeli bayathandwa, balandelwe, futhi bavame ukuvikelwa ukuthandwa kwabo. Abaningi bakholelwa ukuthi ngenxa yokuthi bahlala endaweni yedijithali, bangaphezu kwamandla omthetho. Lo mbono "wokuvikeleka kwedijithali" unemiphumela yezomnotho, yezomthetho, nezenhlalo.

Indawo eyimpumputhe emthethweni waseBrazil

Umthetho wase-Brazilian awukahambisani nomnotho wabathonya. Isikhala sokulawula sivumela abagqugquzeli ukuthi benze imali izethameli ezibiza izigidi ngaphandle kokubhaliswa kwentela noma izibopho zebhizinisi.

Nakuba izinkampani zendabuko kudingeka ukuthi zihambisane nokubalwa kwezimali, intela, nezibopho zokulawula, abagqugquzeli abaningi bahambisa izizumbulu zemali nge-PIX (uhlelo lokukhokha olusheshayo lwase-Brazil), ukudluliselwa kwamanye amazwe, izinkundla zakwamanye amazwe, kanye ne-cryptocurrencies, ngaphandle kwanoma yikuphi ukubeka izinto obala.

Le mikhuba yephula, ngokuqondile noma ngokungaqondile, izimiso zoMthetho No. 9,613/1998, ophathelene nobugebengu bokushushumbisa imali nokufihlwa kwempahla, kanye noMthetho No. 13,756/2018, onikeza i-Caixa Econômica Federal ikhono elikhethekile lokugunyaza amarayisi.

Uma umgqugquzeli ephromotha i-raffle ngaphandle kwemvume evela ku-Caixa Econômica Federal (Brazilian Federal Savings Bank), wenza icala lobugebengu nelokuphatha, futhi angase aphenywe ngecala elibhekene nomnotho odumile, ngokuya nge-athikili 2 yoMthetho No. 1,521/1951.

Empeleni, lezi "zenzo zokukhangisa" zisebenza njengezindlela zokuhambisa izimali ngaphandle kwesistimu yezimali evamile, ngaphandle kokulawula okuvela eBhange Elikhulu, ukuxhumana noMkhandlu Wokulawula Imisebenzi Yezezimali (i-COAF), noma ukulandelela intela yi-Federal Revenue Service. Yisimo esihle sokuhlanganisa imali esemthethweni nengekho emthethweni, uphethiloli wokukhwabanisa imali.

Ukuzijabulisa njenge-facade

Ukusebenza kwale mikhankaso kulula futhi kuyinkimbinkimbi. Umgqugquzeli uhlela i-raffle "yokusiza", ngokuvamile esebenzisa izinkundla ezithuthukisiwe, amaspredishithi, noma amazwana enkundla yezokuxhumana. Umlandeli ngamunye udlulisela amanani amancane nge-PIX (uhlelo lokukhokha olusheshayo lwase-Brazil), ekholelwa ukuthi ubamba iqhaza kumsebenzi ongenabungozi.

Ngamahora ambalwa nje, umgqugquzeli uzuza amashumi noma amakhulu ezinkulungwane zama-reais. Umklomelo—imoto, umakhalekhukhwini, uhambo, njll—unikezwa ngokomfanekiso, kuyilapho iningi lezimali lihlala lingenayo i-accounting, amarekhodi entela, noma umsuka okhonjiwe. Le modeli isetshenziswa, ngokuhlukahluka, ngezinjongo ezisukela ekuzicebiseni komuntu kuya ekukhwabaniseni imali.

I-Brazilian Federal Revenue Service isivele ikhombe izimo ezimbalwa lapho abagqugquzeli babonise ukukhula kwempahla okungahambisani nezimbuyiselo zabo zentela, futhi i-COAF (Umkhandlu Wokulawula Imisebenzi Yezezimali) isiqalile ukufaka lolu hlobo lomsebenzi njengomsebenzi osolisayo kwezokuxhumana zangaphakathi.

Izibonelo eziqinile: lapho udumo luba ubufakazi

Kule minyaka emithathu edlule, imisebenzi eminingana eyenziwe ngamaphoyisa Ombuso kanye neHhovisi Lomshushisi Womphakathi iveze ukusetshenziswa kwezinkundla zokuxhumana ngokukhwabanisa imali, ama-raffles angekho emthethweni kanye nokucebisa ngokungemthetho.

– Operation Status (2021): nakuba igxile ekushushumbisweni kwezidakamizwa, iveze ukusetshenziswa kwamaphrofayela "abantu basesidlangalaleni" ukuze kufihlwe izimpahla nempahla, okubonisa ukuthi izithombe zedijithali zingasebenza kanjani njengesihlangu sokugeleza okungekho emthethweni;

- Icala likaSheyla Mell (2022): umgqugquzeli usolwa ngokuphromotha amarafu ezigidi zamarandi ngaphandle kokugunyazwa, enyusa ngaphezulu kwama-R $ 5 wezigidi. Ingxenye yale mali kuthiwa yasetshenziswa ukuthenga izindlu nezimoto zikanokusho;

- I-Operation Mirror (2023): abaphenyi abaphenyile abagqugquzela ama-raffle mbumbulu ngokubambisana nezinkampani zamagobolondo. "Imiklomelo" yasetshenziselwa ukuthethelela ukuthengiselana kwezezimali komsuka ongekho emthethweni;

- Icala leCarlinhos Maia (2022-2023): Yize lingathweswanga icala ngokusemthethweni, umgqugquzeli washiwo ophenyweni lwamarafu anenani eliphezulu futhi waphenywa imibuzo yiCaixa Econômica Federal mayelana nokuba semthethweni kokukhushulwa.

Amanye amacala abandakanya abagqugquzeli bezinga eliphakathi abasebenzisa ama-raffle kanye "neminikelo" ukuhambisa imali kubantu besithathu ngendlela engalandeleki, okuhlanganisa osopolitiki nosomabhizinisi.

Le misebenzi ibonisa ukuthi ukuthonya kwedijithali sekuyindlela ephumelelayo yokufihla izimpahla kanye nokuqinisekisa imali eyinhloko engekho emthethweni. Okwakwenziwa ngaphambilini ngezinkampani zamagobolondo noma izindawo zentela manje sekwenziwa "ngama-raffles ezinhlangano ezisiza umphakathi" kanye nokusakaza bukhoma okuxhasiwe.

Ukuvikela umphakathi: udumo, ipolitiki, nomuzwa wokungathinteki.

Abaningi abanethonya bathandwa izigidi, banobudlelwane nezikhulu zikahulumeni kanye nosopolitiki, babamba iqhaza emikhankasweni yokhetho, kanye nemibuthano yamandla evamisile. Lokhu kusondela kuhulumeni kanye nokumaketha komphakathi kudala i-aura yokuba semthethweni evimbela ukugada futhi okuphoxa iziphathimandla.

Ukukhonza izithombe kwedijithali kuguquka kube isivikelo esingakahleleki: lapho umgqugquzeli ethandwa kakhulu, umphakathi ongazimisele kangako, ngisho nezinhlangano zomphakathi, kufanele ziphenye imikhuba yazo.

Ezimweni eziningi, uhulumeni ngokwakhe ufuna ukwesekwa yilaba bagqugquzeli bemikhankaso yezikhungo, benganaki umlando wabo wentela noma imodeli yebhizinisi ebagcinayo. Umlayezo we-subliminal uyingozi: ukuduma kungena esikhundleni sokuba semthethweni.

Lesi simo siphinda iphethini yomlando eyaziwayo: ukukhazimuliswa kokungakahleleki, okwenza umqondo wokuthi impumelelo yemidiya ivumela noma yikuphi ukuziphatha. Mayelana nokubusa nokuhambisana, kuphambene nezimiso zokuziphatha zomphakathi; "indawo empunga" eguqulelwe ebhizinisini lokubonisa.

Ingozi yokuba nesibopho esabiwe phakathi kwemikhiqizo nabaxhasi.

Izinkampani eziqasha abagqugquzeli ukuthi ziphromothe imikhiqizo noma izimbangela zomphakathi nazo zisengozini. Uma uzakwethu ebandakanyeka kuma-raffle angekho emthethweni, imidwebo ewumgunyathi, noma imisebenzi esolisayo, kunengozi yokuba nesibopho sezomthetho esihlanganyelwe, sokuphatha, kanye nobugebengu.

Ukungabikho kokukhuthala okufanele kungahunyushwa njengokunganaki kwebhizinisi. Lokhu kusebenza kuma-ejensi okukhangisa, izixhumanisi, nezinkundla zedijithali.

Ngokusebenza njengabalamuli ezinkontilekeni, bathatha imisebenzi yobuqotho futhi kufanele babonise ukuthi basebenzise izindlela zokuvimbela ukuxhashazwa kwemali, ngokuvumelana nezinqubo ezihamba phambili zamazwe ngamazwe (FATF/GAFI).

Ukuthobela idijithali akuseyona inketho yobuhle; kuyisibopho sokusinda kwebhizinisi. Amabhrendi abalulekile kufanele abandakanye abathonya ekuhloleni kwabo isithunzi sengozi, ukuqapha imisebenzi esolisayo, ukufuna ukuthotshelwa kwentela, kanye nokuqinisekisa umsuka wemali engenayo.

Umngcele ongabonakali: i-cryptocurrencies, ukusakaza bukhoma, kanye nokuthengiselana kwamanye amazwe.

Esinye isici esikhathazayo ukusetshenziswa okwandayo kwama-cryptocurrensets kanye nezinkundla zangaphandle zokuthola iminikelo noxhaso. Izinhlelo zokusebenza zokusakaza-bukhoma, amasayithi okubheja, kanye namawebhusayithi "athipha" avumela abagqugquzeli ukuthi bathole izinkokhelo ngemali yedijithali ngaphandle kokulamula kwebhange.

Le misebenzi evame ukuhlukanisiwe yenza ukulandeleka kube nzima futhi kusize ukushushumbiswa kwemali. Isimo siba sibi kakhulu ngoba iBhange Elikhulu namanje alikulawuli ngokugcwele ukugeleza kwezinkokhelo ezinkundleni zedijithali, futhi i-COAF (Umkhandlu Wokulawula Imisebenzi Yezezimali) incike emibikweni yokuzithandela evela ezikhungweni zezimali.

Ukuntuleka kokulandelela okuphumelelayo kudala isimo esifanelekile sokufihlwa kwezimpahla zamazwe ngamazwe, ikakhulukazi uma usebenzisa ama-stablecoins nama-wallet ayimfihlo, amathuluzi avumela ukuthengiselana okungaziwa. Lesi simo sixhumanisa iBrazil nenkambiso yomhlaba wonke: ukusetshenziswa kwezinkundla zokuxhumana njengeziteshi zokukhwabanisa imali.

Izimo zakamuva emazweni afana ne-United States, i-United Kingdom, ne-Mexico zidalule abagqugquzeli ababandakanyeka ekugwemeni intela nasezinhlelweni zezimali ezingekho emthethweni ezifihlwe njengokuqukethwe kwedijithali.

Iqhaza loMbuso kanye nezinselelo zokulawula.

Ukulawula umnotho wethonya kuyaphuthuma futhi kuyinkimbinkimbi. Umbuso ubhekene nenkinga yokungavimbi inkululeko yokukhuluma ngesikhathi esifanayo uvimbela ukusetshenziswa kobugebengu kwezinkundla zokuxhumana ukufihla izinsiza.

Izinketho ezimbalwa sezixoxiwe, njengokudinga intela eyisibopho kanye nokubhaliswa kokubalwa kwezimali kwabathonya abeqa umthamo othile wemali engenayo; ukwenza ama-raffle edijithali nama-sweepstake kuncike ekugunyazweni kwangaphambili okuvela ku-Caixa Econômica Federal; ukudala imithetho esobala yobambiswano noxhaso, ngokushicilelwa kwemibiko yonyaka; kanye nokusungula isibopho sokubika ku-COAF (Umkhandlu Wokulawula Imisebenzi Yezezimali) ukuze uthole izinkundla zokukhokha ezidijithali nokusakaza bukhoma.

Lezi zinyathelo azihloselwe ukuvimbela ubuciko bedijithali, kodwa ukulinganisa inkundla ngokusemthethweni, ukuqinisekisa ukuthi labo abazuzayo ngokuthonya nabo banomthwalo wemfanelo wezomnotho kanye nezezimali.

Ithonya, izimiso zokuziphatha kanye nokuzibophezela komphakathi

Ithonya ledijithali lingelinye lamandla anamandla enkathi yamanje, njengoba lapho lisetshenziswa kahle, lilolonga umbono, lifundise, futhi lihlanganise. Kodwa uma isetshenziswa ngendlela engafanele, isebenza njengethuluzi lokukhohlisa kanye nobugebengu bezezimali.

Isibopho sihlangene, lapho abagqugquzeli kufanele baqonde ukuthi ukuba yidijithali akusho ukuba ngaphezu komthetho, imikhiqizo idinga ukubeka imibandela yobuqotho, futhi uMbuso kufanele wenze izindlela zawo zokwengamela zibe zesimanjemanje. Umphakathi nawo udinga ukuyeka ukudida i-charisma nokwethembeka.

Inselele akuyona nje esemthethweni, kodwa namasiko: ukuguqula ukuthandwa kube ukuzibophezela obala.

Ekugcineni, labo abanethonya kumele baphendule ngomthelela wezomnotho nokuziphatha abawukhiqizayo.

Phakathi kwe-glamour kanye ne-systemic risk

Umnotho wabagqugquzeli usuvele uhambisa izigidigidi, kodwa usebenza endaweni engazinzile, lapho "ukusebenzelana" kufeza izinjongo zokuthengisa nezingekho emthethweni. Ama-raffle, amalotho, neminikelo, lapho ingalawulwa, iba iminyango evulekile yobugebengu bezezimali kanye nokugwema intela.

IBrazil ibhekene nomngcele omusha wobungozi: ukushushumbiswa kwemali okucashwe njengokudumile. Nakuba uhlelo lwezomthetho luhluleka ukuzivumelanisa nezimo, ubugebengu bedijithali buzisungula kabusha, futhi amaqhawe enkundla yezokuxhumana angaguqula ngokungazi udumo lube obala.

Mayelana noPatricia Punder

Uzakwethu kanye nomsunguli wenkampani yabameli i-Punder Advogados, esebenza ngaphansi kwemodeli yebhizinisi "yeBoutique", ihlanganisa ubuhle bezobuchwepheshe, umbono wamasu, nobuqotho obungantengantengi ekusebenzeni kwezomthetho . www.punder.adv.br

- Ummeli, oneminyaka eyi-17 enikezelwe kuCompliance;

- Ubukhona bukazwelonke, iLatin America kanye nezimakethe ezisafufusa;

Kuqashelwa njengebhentshimakhi ku-Compliance, LGPD (Brazilian General Data Protection Law), kanye nezinqubo ze-ESG (Environmental, Social, and Governance).

- Izindatshana ezishicilelwe, izingxoxo, kanye nezingcaphuno ezitolo zezindaba ezidumile ezifana neCarta Capital, Estadão, Revista Veja, Exame, Estado de Minas, phakathi kokunye, kokubili kuzwelonke nakumkhakha othize;

- Uqokwe njengochwepheshe oqokwe yinkantolo ecaleni laseMelika;

– USolwazi kwaFIA/USP, UFSCAR, LEC kanye neTecnológico de Monterrey;

- Izitifiketi zamazwe ngamazwe ngokuhambisana (iGeorge Washington Law University, Fordham University kanye ne-ECOA);

– Umbhali ngokubambisana wezincwadi ezine ezikhuluma ngokuhambisana nokubusa;

– Umbhali wencwadi ethi “Compliance, LGPD, Crisis Management and ESG – Konke kuhlangene futhi kuxutshiwe – 2023, Arraeseditora.

iugu imemezela ukuhlanganiswa neplathifomu ye-Cactus futhi yandisa ubukhona bayo ku-iGaming ecosystem.

iugu, inkampani yezobuchwepheshe egxile kwingqalasizinda yezezimali, isanda kumemezela ukuhlanganiswa kwayo ne-Cactus, enye yezinkundla ezihamba phambili zikazwelonke ze-iGaming. Iqashelwa ngemodeli yayo enelebula elimhlophe kanye nekhono layo lokuxhuma ama-opharetha, amanxusa, nabahlinzeki begeyimu, amaklayenti omqhubi we-Cactus manje azokwazi ukufinyelela okuqondile kubuchwepheshe bezezimali be-iugu.

Ngale ndlela, kuzokwazi ukuthola izinsizakalo zenkontileka ngokushesha, kalula, nangokuvikeleka kozakwethu oqinisekisiwe, ogunyazwe yiBhange Elikhulu futhi ngokuhambisana ngokugcwele nezidingo zokulawula zomkhakha. Ubambiswano lunweba izinketho zabahlinzeki abanezitifiketi ezitholakala ku-ecosystem, kuyilapho kuqinisa ukufinyelela kwe-iugu engxenyeni.

Iqokwe inkundla ye-iGaming ehamba phambili kuma-BiS Awards 2025, i-Cactus inokuhambisana kuzwelonke futhi ihlanganisa abanye o-opharetha abakhulu ezweni, okuhlanganisa nemikhiqizo emithathu kweyishumi nanhlanu emikhulu yase-Brazil.

Ku-iugu, lesi sinyathelo simele ukunwetshwa kwenethiwekhi yayo yamapulatifomu ahlanganisiwe kanye nethuba lokuhlinzeka ngobuchwepheshe bezezimali obuqinile futhi obuhlanjululwe ezinkampanini ezihamba phambili zemakethe, kanye nokuqinisa ukuzibophezela kwayo ekusebenzeni emakethe elawulwayo kanye nabalingani ababelana ngenjongo efanayo. Umsebenzi usuqalisiwe futhi usebenza ngokugcwele. 

"Lokhu kuhlanganiswa kuqinisa ukuzibophezela kwethu ekunikezeni ubuchwepheshe bezezimali obuthembekile, obukhethekile obulungiselelwe izindawo zentengiso ephezulu. Ukuqinisekiswa yi-Cactus kuqinisa ubukhona bethu ku-iGaming ecosystem futhi kusixhumanisa nemikhiqizo ehola uguquko lomkhakha e-Brazil ," kusho u-Ricardo Destaole, Inhloko Yezokubhejwa e-iugu. "Sijabule kakhulu ukwandisa ubambiswano lwethu lwamasu futhi sibe nesandla ekutheni opharetha abengeziwe bakwazi ukufinyelela izinkokhelo ezisheshayo, ezivikelekile, nezithobela ngokugcwele."

"Ku-Cactus, ukunikezela ngemisebenzi yezezimali evikelekile futhi eshesha kakhulu kubalulekile. Ukuhlanganiswa ne-iugu kwandisa iphothifoliyo yethu yokukhokha, kuletha ukuguquguquka okwengeziwe, ukutholakala okuphezulu, nolwazi lomsebenzi olungenazihibe kubaqhubi nabadlali," kunezela uGustavo Coelho, uMqondisi Webhizinisi kwaCactus.

Ubuchwepheshe obudalwe enyakatho-ntshonalanga yeParaná bufinyelela emazweni angu-15 nabasebenzisi abangu-650,000.

Iqembu le-Irrah Tech, elivela eParaná, limemezele ukuthi inkundla yalo ye-Dispara Aí isifinyelele ingqophamlando yemiyalezo eyizigidi eziyi-16 ngenyanga, esetshenziswa emazweni angaphezu kwe-15 ngabasebenzisi abangaphezu kuka-650,000.

Isixazululo sithuthukisa ukuxhumana phakathi kwezinkampani namakhasimende ngesikhathi sangempela, sihlanganisa i-automation ehlakaniphile, ukwenza kube ngokwakho okuthuthukile, kanye nokulinganisa okuqinile kwemiphumela, konke kuhlanganiswe ngaphandle komthungo ekusebenzeni kwebhizinisi.

Ngokusho kukaLuan Mileski, iNhloko yoMkhiqizo kanye neBhizinisi kule nkampani, "emakethe yokuncintisana, izixazululo ezifana ne-Dispara Aí zivumela izinkampani ukuthi zigcine ubunikazi bomuntu ngezinga elikhulu ngaphandle kokulahlekelwa ukuthinta komuntu, ziqinisekisa ukuxhumana okuseduze nokuhlobene namakhasimende abo."

Izinkundla zokumaketha zezingxoxo sezibalulekile ukuze amabhizinisi akhule ngamasu. Ubuchwepheshe buphendula imibuzo, bufanelekela ukuhola, buzenzela ngokuzenzakalelayo ukuhlela, futhi buqondise ikhasimende kulo lonke uhambo lokuthenga 24/7. Konke lokhu kwenziwa nge-WhatsApp, okuyisiteshi esisetshenziswa kakhulu eBrazil, esinabasebenzisi abayizigidi ezingu-148, abamele u-93.4% wamaBrazilians ku-inthanethi ngokusho kwedatha ye-Statista. 

Ngokusho kochwepheshe, i-Dispara Aí ivumela ukuthunyelwa kwemikhankaso engenamkhawulo futhi ehlukene. Ukuhlukaniswa kuncike kumsebenzisi kanye nesizindalwazi sakhe. Bangakwazi ukulayisha ngokuzenzela uhlu, kungakhathaliseki ukuthi bakhishwe kuphi, noma bathumele imilayezo ngefomethi eyodwa-to-one kubahlanganyeli banoma yiliphi iqembu. Ngokusekelwe kule datha, inkundla ithumela imilayezo yomuntu siqu nge-WhatsApp, okufaka izikhumbuzi zenqola ezilahliwe, izipesheli, nezibuyekezo zesimo se-oda.

Okunye okugqamile ukukhuthaza ukwesekwa kwamakhasimende, okuba ngokushesha nangempumelelo ngama-chatbots nokugeleza komsebenzi okuzenzakalelayo ku-WhatsApp. Ukuhlanganiswa nezinhlelo zangaphandle, ezifana ne-Chat GPT, i-RD Station, i-Activecampaign, nezinye, nge-API nama-webhooks, kuvumela ukufakwa phakathi kwedatha, ukuzenzekelayo kwemisebenzi ephindaphindwayo, nokwandisa umkhiqizo. 

Leli su liyindlela ephumelelayo, elinganiselayo, futhi eqondene nawe yokuxhumana namakhasimende. Ngokocwaningo olwenziwa yi-Dotcode, ukwamukelwa kobuhlakani bokwenziwa (AI) ekuhlinzekeni amakhasimende kukhuphuke kusuka ku-20% ngo-2020 kuya ku-70% ngo-2024, okugqamisa ukusesha okukhulayo kwezinkampani kwezixazululo zobuchwepheshe ezivumela ukuxhumana komuntu siqu nokusebenza kahle namakhasimende azo.

“Ngale ndlela, i-Dispara Aí izibeka njengomdlali obalulekile ezinkampanini ezifuna ukuguqula i-WhatsApp ibe umshini wangempela wokuthengisa nobudlelwano, ezithatha igxathu ekukhiqizeni nasekusebenzeni kwezinga eliphezulu, ngaphandle kokubeka engcupheni ukuphepha nokuhambisana nomthetho,” kugcizelela uLuan.

Ukufunwa okuphezulu ngesikhathi sikaKhisimusi kubeka izinkampani engcupheni yokuvinjelwa kuWhatsApp.

UKhisimusi uyasondela, futhi ngawo, inkathi yokuthengisa eshisa kakhulu. Futhi kulo nyaka, umlingiswa oyedwa uthola amandla engeziwe njengendawo yempi eyinhloko yokuthengisa: I-WhatsApp. Ngokombiko okhethekile okhiqizwe ngokubambisana ne-Opinion Box, isiteshi sihlala siyindlela eyinhloko yokuxhumana phakathi kwabathengi namabhrendi e-Brazil. Ucwaningo lubonisa ukuthi u-30% wabantu base-Brazilian sebevele basebenzisa uhlelo lokusebenza ukuze bathenge, kuyilapho u-33% beluncamela ukuthi luthengiswe, ukudlula izindlela ezivamile ezifana ne-imeyili nocingo.

"Iminyaka eminingi, i-WhatsApp bekuwuhlelo lokusebenza lokuthumela imiyalezo. Namuhla, iyindawo yemakethe ematasatasa ezitolo zedijithali zaseBrazil," kusho u-Alberto Filho, oyi-CEO ye-Poli Digital, inkampani yaseGoiás esebenza nezixazululo ezisemthethweni zokuxhumana ze-WhatsApp.

Ngakho-ke, ingcindezi yokunqoba umncintiswano kanye nemiphumela esheshayo ngalesi sikhathi sonyaka iholela izinkampani eziningi ukuba zithole imikhuba ephula izinqubomgomo ze-Meta, inkampani engumzali ye-WhatsApp. Umphumela? Elinye lamaphupho amabi amakhulu kunoma yiliphi ibhizinisi lesimanje: ukuvinjelwa kwe-akhawunti yabo.

“Ukuqonda ukuthi lolu hlelo lusebenza kanjani nokuthi imingcele yalo ingakanani kubalulekile ukuze kuqinisekiswe ukuthi umbukiso oyinhloko wokuthengisa awuvali iminyango yawo phakathi nesonto likaKhisimusi,” kuchaza uMariana Magre, uchwepheshe wenkonzo yamakhasimende ka-WhatsApp kanye ne-Customer Success kwaPoli Digital.

Uchaza ukuthi ukukhula kwe-meteoric kwe-WhatsApp Business kulethe kokubili amathuba nezingozi. Lapho isiteshi siba sibaluleke kakhulu, kuba mkhulu umthelela wokusetshenziswa kwaso kabi. “Lokhu kwanda akuhehanga amabhizinisi asemthethweni kuphela, kodwa nabakwa-spammers nabakhwabanisi, okuholele ekutheni iMeta iqinise ukuqapha kwayo ngokuziphatha okusolisayo,” kuchaza yena.

I-Meta Platforms imemezele ukuthi, phakathi kukaJanuwari noJuni 2025, ama-akhawunti e-WhatsApp angaphezu kwezigidi ezingu-6.8 avinjelwe, iningi lawo lihlotshaniswa nezenzo zokukhwabanisa, njengengxenye yomzamo obanzi wokuqeda ukuhlukunyezwa kwezinsizakalo zayo zokuthumela imiyalezo yizigebengu.

"Isistimu ye-Meta ihlaziya amaphethini okuziphatha ukuze ihlonze umsebenzi ofana nogaxekile. Izimpawu eziyisixwayiso zihlanganisa ukuthumela ivolumu ephezulu ngokungavamile yemilayezo ngesikhathi esifushane, izinga eliphezulu lokuvinjwa nemibiko, kanye nokuthumela imilayezo koxhumana nabo abangakaze baxhumane nomkhiqizo."

Imiphumela iyehluka. Ukuvinjwa kwesikhashana kungathatha amahora noma izinsuku, kodwa ukuvinjelwa unomphela kubi kakhulu: inombolo iba engasebenziseki, wonke umlando wengxoxo uyalahleka, futhi ukuxhumana namakhasimende kuvalwa ngokushesha.

Kodwa-ke, uchwepheshe ovela ku-Poli Digital imininingwane yokuthi iningi lamabhulokhi lenzeka ngenxa yokuntuleka kolwazi lobuchwepheshe. Iziphambeko ezivame kakhulu zihlanganisa ukusetshenziswa kwezinguqulo ezingekho emthethweni ze-WhatsApp, ezifana ne-GB, i-Aero, kanye ne-Plus, kanye nemiyalezo eminingi ngama-API "esolwandle". Lawa mathuluzi awavunyelwe i-Meta futhi alandelelwa kalula ngama-algorithms okuvikela, okuholela cishe ekuvinjweni okuthile.

Elinye iphutha elibi kakhulu ukuthenga izinhlu zoxhumana nabo nokuthumela imilayezo kubantu abangagunyaziwe ukuyithola (ngaphandle kokungena). Ngaphandle kokwephula imithetho yenkundla, lo mkhuba unyusa kakhulu izinga lezikhalazo zogaxekile.

Ukungabikho kwesu lokuxhumana elihlelekile kwenza isimo sibe sibi kakhulu: ukuthunyelwa ngokweqile kwamaphromoshini angenamsebenzi kanye nokunganakwa kwezinqubomgomo zezentengiso ze-WhatsApp kubeka engcupheni lokho okubizwa ngokuthi Isilinganiselwa Sekhwalithi, imethrikhi yangaphakathi ekala "impilo" ye-akhawunti. "Ukuziba lesi silinganiso nokugcizelela imikhuba emibi kuyindlela emfishane eya endaweni ehlala njalo," kugcizelela u-Mariana.

Ukuze usebenze ngokuphepha, kubalulekile ukuqonda umehluko phakathi kwezinguqulo zohlelo lokusebenza:

  1. I-WhatsApp Personal: yakhelwe ukusetshenziswa komuntu ngamunye.
  2. I-WhatsApp Business: mahhala, ilungele amabhizinisi amancane, kodwa anemikhawulo.
  3. I-API Yebhizinisi Le-WhatsApp Esemthethweni: isixazululo sebhizinisi esivumela ukuzenzekelayo, ama-ejenti amaningi, ukuhlanganiswa kwe-CRM, futhi, ngaphezu kwakho konke, ukuphepha okungalawuleki.

Kuleli phuzu lokugcina lapho "iqhinga" liqamba amanga. I-API Esemthethweni isebenza ngaphakathi kwemingcele ye-Meta, enezifanekiso zemilayezo egunyazwe kusengaphambili, ukungena okuyisibopho, nezindlela zokuvikela zomdabu. Ngaphezu kwalokho, iqinisekisa ukuthi konke ukuxhumana kulandela ikhwalithi edingekayo kanye namazinga emvume.

"Kwa-Poli Digital, sisiza izinkampani zenze lolu shintsho ngokuphepha, zifaka yonke into endaweni eyodwa ehlanganisa i-WhatsApp API esemthethweni ne-CRM. Lokhu kuqeda ubungozi bokuvimba futhi kugcine ukusebenza kuthobelana," kuchaza uMariana.

Isibonelo esiyinhloko yi-Buzzlead, inkampani esebenzisa i-WhatsApp kakhulu ukuze uthole izaziso nokuzibandakanya. Ngaphambi kokuthutha, ukusetshenziswa kwezinkundla zemiyalezo ezingekho emthethweni kubangele ukuvinjwa okuphindelelayo kanye nokulahleka komlayezo. "Lapho siqala ukuthumela imiqulu emikhulu, sabhekana nezinkinga ngokuvimbela izinombolo. KwakungePoli ukuthi safunda nge-WhatsApp API esemthethweni futhi sakwazi ukuxazulula yonke into, "kusho uJosé Leonardo, umqondisi weBuzzlead.

Ushintsho lwaluwujuqu. Ngesixazululo esisemthethweni, inkampani yaqala ukusebenza ngaphandle kwemishini ebonakalayo, isebenzisa izifanekiso ezigunyaziwe futhi yehlisa kakhulu ingozi yokuvinjelwa. "Imiphumela yaba ngcono kakhulu, ngezinga lokufunda eliphezulu kanye nokulethwa kwezaziso okungcono," kwengeza lesi sikhulu.

U-Mariana ufingqa iphuzu eliyinhloko: “Ukuthuthela ku-API Esemthethweni akukhona nje ukushintshwa kwamathuluzi, kuwushintsho endleleni yokucabanga. Inkundla ye-Poli ihlela ukuhamba komsebenzi, iqinisekisa ukuthotshelwa kwemithetho, futhi iqaphe ikhwalithi ye-akhawunti ngesikhathi sangempela. Umphumela uwukuthula kwengqondo ukuze ugxile kulokho okubaluleke ngempela: ukuthengisa nokwakha ubudlelwano namakhasimende, ikakhulukazi ngoKhisimusi.”

“Futhi uma uKhisimusi kuyinani eliphakeme lokuthengisa, ukuphepha nokuthobela kuba yisipho sangempela kulabo abafuna ukuqhubeka nokukhula ngo-2025,” kuphetha u-Alberto Filho. 

Ama-SME aku-inthanethi enze u-R$814 wezigidi zemali engenayo phakathi no-Black November 2025.

Izinkampani ezidayisayo eziku-inthanethi ezincane nezimaphakathi zithole imali engenayo engu-R$814 million phakathi no-Black November 2025, isikhathi sezaphulelo ezinwetshiwe kuyo yonke inyanga kaNovemba okuhlanganisa uLwesihlanu Olumnyama (Novemba 28). Lokhu kusebenza kumelela ukukhula okungama-35% uma kuqhathaniswa no-2024, ngokusho kwedatha evela eNuvemshop, inkundla ehamba phambili ye-e-commerce eBrazil naseLatin America, futhi igqamisa ukuvuthwa kwemodeli ye-D2C (Direct-to-Consumer), lapho amabhrendi ethengisa ngqo kubathengi ngeziteshi zabo, njengezitolo eziku-inthanethi, ngaphandle kokuthembela kubalamuleli kuphela.

Ukwehlukaniswa kwezigaba kukhombisa ukuthi Imfashini ibe yingxenye enenzuzo enkulu kakhulu, yafinyelela ku-R$370 million, ukukhula ngo-35% uma kuqhathaniswa no-2024. Lokhu kwalandelwa iHealth & Beauty, nge-R$ 99 million kanye nokwenyuka ngo-35%; Izesekeli, ezikhiqize amaRandi ayizigidi ezingama-R56 futhi zakhula ngama-40%; I-Home & Garden, nge-R$ 56 million kanye nokwenyuka ngo-18%; kanye nobucwebe, ngamaRandi ayizigidi ezingama-R43 kanye nokwenyuka ngo-49%.

Izintengo zamathikithi ezimaphakathi kakhulu zirekhodwe esigabeni Sezisetshenziswa Nemishini, ngama-R$930; Ukuhamba, ngama-R$ 592; kanye ne-Electronics, ngama-R431.

Lapho ibhidlizwa umbuso, iSão Paulo yahola ukuthengisa ngamaRandi ayizigidi ezingu-374, ilandelwa iMinas Gerais, eyafinyelela ku-R$80 wezigidi; iRio de Janeiro, nezigidi ezingama-R73; I-Santa Catarina, enezigidi ezingu-R58; kanye neCeará, ngamarandi ayizigidi ezingama-R43.

Kuyo yonke inyanga, kudayiswe imikhiqizo eyizigidi eziyi-11.6, umthamo ongaphezulu ngo-21% kunalowo orekhodiwe onyakeni odlule. Phakathi kwezinto ezithengiswa kakhulu yimfashini, ezempilo nobuhle, kanye nezinsiza. Isilinganiso senani lethikithi lalingu-R$ 271, 6% ngaphezulu kunango-2024. Imithombo yezokuxhumana iqhubekile nokuba ngelinye labashayeli bokuguqulwa abafaneleka kakhulu, ibalelwa ku-13% wama-oda, okuthi ama-84% awo avela ku-Instagram, okubonisa ukuqiniswa kwezentengiselwano zomphakathi ezweni kanye nokunwetshwa kweziteshi eziqondile ezijwayelekile ze-D2C, ukutholwa okuxhumanisa i-ecosystem, nokuqukethwe komkhiqizo.'

"Inyanga isiziqinise njengenye yamawindi amakhulu okuhweba okudayisa ngedijithali, esebenza "njengenyanga yegolide" kuma-SMEs. Ukusatshalaliswa kwesidingo phakathi noNovemba akunciphisi nje kuphela izingqinamba kodwa futhi kwandisa ukubikezela kokuthengisa futhi kuvumela osomabhizinisi ukuthi bahlele imikhankaso enolaka ngokuhlukahluka okukhulu kwezinzuzo. Kumisebenzi ye-D2C, lokhu kubikezela kuhumushela ekuphathweni okungcono kwe-margin okusekelwe kanye nokwesekwa okwengeziwe kwedatha - ukuhoxiswa kwedatha okuthuthukisiwe. ithathwe eziteshini eziqondile,” kuchaza u-Alejandro Vázquez, umongameli kanye nomsunguli weNuvemshop.

Umbiko Wokuthrendayo: Ukuziphatha Kwabathengi Kuyo yonke i-Brazil

Ngaphezu kwemiphumela yokuthengisa, i-Nuvemshop ilungiselele umbiko mayelana nezitayela zikazwelonke ze-Black Friday 2026, etholakala lapha . Ucwaningo lubonisa ukuthi izinzuzo zezohwebo zihlala zibalulekile phakathi no-Black November kulo lonke elase-Brazil: u-79% wabathengisi abanemali engenayo yanyanga zonke engaphezu kuka-R$20,000 abasebenzisa amakhuphoni esaphulelo, kuyilapho u-64% enikeza ukuthunyelwa kwamahhala, izenzo ezithuthukisa ikakhulukazi ukuguqulwa ekuqaleni kwenyanga, lapho abathengi besaqhathanisa okunikezwayo. Ukuthengiswa kwe-flash (46%) nezinsiza zomkhiqizo (39%) nakho kuzuze ukuvelela phakathi kosomabhizinisi abakhulu, okwandisa inani le-oda elimaphakathi nokuthenga okuphindayo.

NgokukaVázquez, ngo-2025, abathengi bazokwazi okwengeziwe futhi babe nokulindelwe okucacile mayelana nezaphulelo ezinwetshiwe. "Imodeli ye-D2C ifakazela ukuthi inenzuzo nakakhulu kulesi simo, ivumela imikhiqizo ukuthi ilawule amanani, i-inventory, nokuxhumana, inikeze amadili aqondene nawe, futhi iguqule ngendlela enokubikezelwa okukhulu. Ukwelula imikhankaso kwehlisa ingcindezi ye-Black Friday futhi kusiza ukwakha isisekelo samakhasimende esiqinile, okugxile ekugcineni nokwethembeka kuka-2026," usho kanje.

Lo mbiko ubuye uqinise amandla ezentengiselwano zomphakathi: phakathi kwabathengi abasebenzisane nemikhiqizo yabathengisi be-Nuvemshop, ama-81.4% athenge ngomakhalekhukhwini, kanti i-Instagram iyisango elikhulu, elihlanganisa ama-84.6% okuthengiswa komphakathi. Ngaphezu kwalokho, i-Pix namakhadi esikweletu ahlala eyindlela yokukhokha esetshenziswa kakhulu, emele u-48% no-47% wemisebenzi, ngokulandelana. Le datha iphinda ikhombise izinguquko ezibalulekile ekuziphatheni kwabathengi.

Phakathi no-Black November, i-Nuvem Envio, isixazululo semikhumbi ye-Nuvemshop, yazisungula njengendlela eyinhloko yokulethwa kwabathengisi, iphatha u-35.4% wama-oda futhi iqinisekisa ukuthi u-82% wama-oda asekhaya afinyelela kubathengi phakathi nezinsuku zebhizinisi ezi-3.

Ukuhlaziywa kubheka ukuthengiswa okwenziwa izitolo zase-Brazilian Nuvemshop kuyo yonke inyanga kaNovemba ngo-2024 nango-2025.

Uchwepheshe uveza izizathu eziyishumi zokuthi kungani u-2026 unyaka ongcono kakhulu wokuqala ibhizinisi le-e-commerce.

IBrazil isivele inabathengi be-inthanethi abayizigidi ezingu-91.3, ngokusho kwe-ABComm, futhi izilinganiso ezishicilelwe kabanzi ezivela kulo mkhakha zibonisa ukuthi izwe kufanele lidlule ezigidini ezingu-100 ngo-2026. Umkhakha uyaqhubeka nokukhula, ukhiqiza u-R$ 204.3 billion ngo-2024 futhi kulindeleke ukuthi ufinyelele ku-R$ 234.9 billion ngo-2025 idatha yeABCom. Lokhu kukhula, kuhlanganiswe nokuthuthuka kwezohwebo kwezenhlalo kanye nokuthandwa kwamathuluzi edijithali kanye nobuhlakani bokufakelwa, kunciphisa izithiyo zokungena futhi kwenza kube lula ukuguqula imibono ibe amabhizinisi angempela, ikakhulukazi kulabo abafisa ukuba osomabhizinisi ngo-2026.

Ku- Eduardo Schuler, i-CEO ye-Smart Consultoria , inkampani ekhethekile ekukhuliseni amabhizinisi, i-technology yokuvula iwindi,

ithuba. Isikhulu sithi akukaze kube namandla angaka okubulala abantu ngabanye, ukufinyelela okungaka olwazini, nokuvuleleka okungaka kwabathengi emikhiqizweni emisha. "Isimo asikaze sibe sihle kakhulu. Inhlanganisela yejubane, izindleko eziphansi, namathuluzi anamandla yenza u-2026 unyaka omuhle kakhulu emlandweni walabo abafuna ukuqala ibhizinisi," uyagcizelela. Ngezansi, uchwepheshe unikeza imininingwane ngezinsika eziyishumi ezenza u-2026 unyaka ongcono kakhulu emlandweni wokuqala ibhizinisi:

1. Ukwehla kokuqopha umlando kwezindleko zebhizinisi zokuqala.

Izindleko ezincishisiwe zamathuluzi edijithali, izinkundla zokuthengisa, nezixazululo ze-AI ziqeda imigoqo ebivimbela osomabhizinisi abasha ngaphambilini. Ngokuya kwe-Sebrae (GEM Brazil 2023/2024), ukwenziwa kwedijithali kwehlise kakhulu izindleko zokusebenza zakuqala, ikakhulukazi emikhakheni efana nezinsizakalo kanye nezitolo zedijithali. Namuhla, kungenzeka ukwethula uhlobo olunezinsiza ezimbalwa nengqalasizinda encane. "Ukutshalwa kwezimali kokuqala kwehle ezingeni elenza intando yeningi ukungena emakethe futhi kuvulele indawo kulabo abasebenza kahle," kusho uShuler .

2. Ubuhlakani bokwenziwa bukhulisa ukukhiqiza komuntu ngamunye.

Ucwaningo olwenziwe nguMcKinsey & Company (I-Generative AI kanye nekusasa lombiko womsebenzi, 2023) lubonisa ukuthi i-AI ekhiqizayo ingakwazi ukuzenzela kuze kufike ku-70% wemisebenzi eyenziwa ochwepheshe njengamanje, okuvumela umuntu ukuthi athole imiphumela eqhathaniswa nomsebenzi weqembu lonke. Ama-automation, ama-co-pilot, namasistimu ahlakaniphile andisa umthamo wokusebenza futhi asheshise ukuqaliswa. “Akukaze kube nomuntu okhiqize okuningi kangaka eyedwa,” kugcizelela uchwepheshe.

3. Abathengi baseBrazil bamukele kakhudlwana imikhiqizo emisha.

Ucwaningo olwenziwa yi-NielsenIQ (Ucwaningo Lokungathembeki Komkhiqizo, 2023) lubonisa ukuthi u-47% wabathengi base-Brazilian bazimisele ukuzama imikhiqizo emisha, eqhutshwa ukusesha kwamanani angcono, ubuqiniso, kanye nokuba seduze. Ku-Schuler, lokhu kuvuleka kunciphisa isikhathi sokwamukelwa kwemikhiqizo emisha. "Abantu baseBrazil banelukuluku lokufuna ukwazi futhi abathembekile kangako, okudala indawo evundile kulabo abasaqalayo," esho.

4. Izentengiselwano zomphakathi zihlanganiswe njengesiteshi sokuthengisa.

Namuhla, ingxenye enkulu yokuthenga kwase-Brazilian kwenzeka ngokuqondile ezinkundleni zokuxhumana. I-Brazil iyimakethe yesi-3 ngobukhulu kwezohwebo kwezenhlalo emhlabeni, futhi umkhakha kulindeleke ukuthi ukhule ngo-36% ngo-2026, ngokusho kwe-Statista (I-Digital Market Insights, Social Commerce 2024). Ku-Schuler, lokhu kwandiswa kudala isinqamuleli esikhulu kunazo zonke emlandweni sokuthengisa ngaphandle kwesitolo esiphathekayo. "Kungokokuqala ukuthi ukuthengisa ngaphakathi kokuqukethwe kube yinjwayelo, hhayi okuhlukile," esho.

5. Ulwazi olungenamkhawulo nolwamahhala lokufunda nokusebenzisa

Ukutholakala kokuqukethwe kwamahhala, izifundo, nezifundiso kunciphisa igebe phakathi kwenhloso nokwenza. Ngo-2023, u-Sebrae wabhalisa abantu abangaphezu kwezigidi ezi-5 ezifundweni eziku-inthanethi, irekhodi lomlando. Ku-Schuler, le nala isheshisa ijika lokufunda. "Namuhla, akekho umuntu oqala phansi; i-repertoire ifinyeleleka kuwo wonke umuntu," usho kanje.

6. Ukwenza lula umsebenzi ngenxa yobuchwepheshe

Izinkokhelo ezisheshayo, amabhange edijithali, amasiginesha ka-elekthronikhi, nokuzenzakalela kwenze ukuphatha kwezezimali nokusebenza kwashesha kakhulu. I-Business Map (MDIC) ibonisa ukuthi isikhathi esimaphakathi sokuvula ibhizinisi e-Brazil sehlele osukwini olungu-1 namahora angu-15, izinga eliphansi kakhulu elake larekhodwa. "Imijikelezo ebidinga isikhathi eside manje isiqedwa ngemizuzu, futhi lokhu kuwushintsha ngokuphelele umdlalo wamabhizinisi amancane," uyahlaziya.

7. Ukunwetshwa okungokomlando kwe-e-commerce yase-Brazilian

Isibikezelo sezulu sabasebenzisi abaku-inthanethi abadlula izigidi eziyi-136 ngo-2026, ngokusho kwe-Statista (I-Digital Market Outlook 2024), sibonisa izinga eliphezulu kakhulu lokuvuthwa kwedijithali elake larekhodwa ezweni. Ku-Schuler, lokhu kusho imakethe elungele ukuthola izixazululo ezintsha. “Isidingo sikhona, siyakhula, futhi sikhona isikhala salabo abafuna ukwakha igama,” usho kanje.

8. Isithiyo esiphansi esingokwengqondo salabo abafisa ukuba osomabhizinisi

Ukukhula kwabadali, abeluleki, kanye nosomabhizinisi ababelana ngezinto abahlangabezana nazo ngemuva kwezigcawu kwenze amabhizinisi avame kakhulu futhi angasatshwa. Ngokusho kwe-Global Entrepreneurship Monitor (GEM) 2023/2024, u-53% wabantu abadala base-Brazil bathi bahlose ukuqala ibhizinisi, elingelinye lamanani aphezulu kakhulu emhlabeni. “Lapho wonke umuntu azi othile oseqalile, ukwesaba kuyancipha futhi izenzo ziyakhula,” ephawula.

9. Ukukhishwa okusheshayo nokuqinisekiswa ngokushesha.

Isivinini samanje sivumela ukuhlola imibono, ukuqinisekisa imibono eqanjiwe, nokulungisa okunikezwayo ngesikhathi sangempela. Umbiko weWebshoppers 49 (Neotrust/NielsenIQ) ukhombisa ukuthi imikhiqizo emincane izuze umhlabathi ngokunembile ngoba isabela ngokushesha ekuziphatheni kwabathengi, isebenzisa amathuluzi okukhangisa ahlakaniphile, i-automation, nokuhlola kwe-A/B. "Imakethe ayikaze ibe nesivinini esingaka, futhi lokhu kuvuna labo abadinga ukuzuza ngokushesha," uyaqinisa.

10. Ukuhlangana okungakaze kubonwe phakathi kobuchwepheshe, ukuziphatha, kanye nomnotho.

Ngokusho kuka -Schuler , inhlanganisela yezindleko eziphansi, abathengi abavulekile, isidingo esikhulu, namathuluzi anamandla kudala ukuqondana okungajwayelekile. Idatha evela ku-Statista, i-GEM, ne-Sebrae ibonisa ukuthi akukaze kube nenhloso enkulu kangaka yokuqala ibhizinisi, isidingo esingaka sedijithali, nobuchwepheshe obufinyelelekayo obungaka ngesikhathi esisodwa. “Iwindi lethuba elivele lingekho phambilini. Ongena manje uzozuza emlandweni,” kuphetha yena.

I-Uappi isingathe umcimbi obukhoma wamahhala mayelana nobuhlakani bokwenziwa obusetshenziswa ku-e-commerce. 

I-Uappi, inkampani yezobuchwepheshe yaseBrazil esebenza ngokukhethekile kumapulatifomu e-e-commerce angamamodeli amaningi, isingatha i-Uappi Live 360 ​​​​| I-AI Yasebenza ku-E-commerce ngomhlaka-9 Disemba, kusukela ngo-10:00 AM kuya ku-11:30 AM. Lo mcimbi wamahhala we-inthanethi uqondiswe kubaphathi, abenzi bezinqumo, abaholi, nezinye izinhlangano ezinentshisekelo ezifuna ukusebenzisa ubuhlakani bokwenziwa ngendlela yasu, ngokuvikelekile, nangendlela egxile ekusebenzeni ngaphakathi kwemisebenzi yabo.

Sakaza bukhoma esiteshini se-YouTube sika-Uappi , umcimbi uzosingathwa ngu-Edmilson Maleski, oyi-CEO ye-Uappi, ozojoyinwa u-Betina Wecker (umsunguli we-Appmax no-Max) kanye no-Rodrigo Cursi de Carvalho (Co-CEO, CXO kanye nomsunguli we-Orne.AI kanye no-FRN³) ukuze babonise indlela yokusebenzisa i-AI kusukela ekugcineni kuye kokwenza i-ecommerce ukugcinwa.

"Ubuhlakani bokwenziwa buyeke ukuba yisithembiso futhi sebuyinto esheshayo yokuncintisana. Izinkampani ezifuna ukukhula ngokuphumelelayo nangokubikezela zidinga ukuqonda indlela yokusebenzisa i-AI ekusebenzeni, futhi umgomo wethu ukuhumusha inkimbinkimbi kumasu asetshenzisiwe, okubonisa izindlela zangempela zabaholi abazwa ingcindezi yokuthola imiphumela, "kusho u-Edmilson Maleski, i-CEO ye-Uappi.

Ngokuka-Uappi, imakethe ihlangabezana nomjikelezo omusha lapho ubuhlakani bokwenziwa buchaza kabusha izinqubo, ukusebenza kahle kokusebenza, amamajini, nokuziphatha kokuthenga. Umhlangano wawuhlelelwe ukunikeza okuqukethwe okusebenzayo, okuphathekayo, nokuthambekele kwezamabhizinisi, okugxile ekwandiseni ukusebenza kahle, ukuthuthukisa ukuthathwa kwezinqumo, ukunciphisa ukungqubuzana nezindleko, ukwenza kube ngokwakho ngesilinganiso, ukusheshisa ukuthengisa nokugcinwa, kanye nokubikezelwa nokubusa.

Ukubhalisa kumahhala futhi kungenziwa ngesixhumanisi . Umcimbi uzohlukaniswa ube izethulo ezimbili, kulandele amazwi okuvula nawokuvala:

1) I-AI yafaka isicelo ku-e-commerce: izifundo ezivela ku-Black Friday kanye namasu okuthengisa ngobuhlakani obukhulu, no-Betina Wecker - Umsunguli Co-Appmax kanye no-Max.

Isikhulu sethula ucwaningo lwakamuva kanye nezifundo ezitholwe ku-Black Friday 2025, kanye namasu okusebenzisa i-AI ezigabeni ezihlukene zokusebenza, njengokuvimbela ukukhwabanisa, ukubuyiselwa kokuthengisa, ukwenza kube ngokwakho, nokuhlaziywa kokuziphatha kwabathengi. Izihloko ezibalulekile zihlanganisa ukuziphatha okusha kwabathengi, lapho i-AI inomthelela omkhulu, izimo zomhlaba wangempela nemiphumela ezuziwe, amasu kaKhisimusi nokuphela konyaka, kanye nekusasa eliyingxube: abantu + imishini.

2) I-Case Study: I-Leveros + Orne.AI: I-AI yokuthuthukisa ulwazi nokusebenza kahle kwe-e-commerce, noRodrigo Cursi - Co-CEO kanye ne-CXO ye-Orne.AI.

Isethulo sidingida udaba lwe-Leveros, enye yezinkampani ezinkulu zesiqandisi ezweni, eguqula ukusebenza kwayo ne-AI ukuze inciphise ukungezwani, ilindele izidingo, futhi isheshise izinqumo ngisho nasezimeni zesizini ephezulu kanye nokusetshenziswa kwezinto eziyinkimbinkimbi. Amaphuzu amqoka wecala yizinselelo, kungani i-AI bekuyindlela, isixazululo, kanye nemiphumela.

Umugqa wesikhathi

  • 10:00 AM - Ukuvulwa | Edmilson Maleski – Uappi
  • 10:10 AM - I-AI ifake isicelo ku-e-commerce | Betina Wecker – Appmax futhi Max
  • 10:40 am - Ikesi Leveros + Orne.AI | Rodrigo Cursi – Orne.AI
  • 11:10 AM - Ukuvala | Edmilson Maleski – Uappi

Umkhakha wezokudayisa uvala uNovemba ngokwenyuka ngo-28% emalini engenayo yezitolo zonke.

Imiphumela yokuthengisa yaseBrazil ngoNovemba ikhomba ekupheleni konyaka okunamandla, ngokusho kocwaningo olwenziwe ngu-Linx, uchwepheshe wezobuchwepheshe bokudayisa. Imisebenzi ye-Omnichannel, ehlanganisa izitolo ezingokoqobo nezedijithali, iqophe ukukhuphuka kwemali engenayo ngo-28%, ukukhula okungama-21% enanini lama-oda, kanye nethikithi eliphakathi nendawo eliphakeme elingu-11% uma liqhathaniswa noNovemba 2024.

Ngokuka-Cláudio Alves, Umqondisi Omkhulu Webhizinisi e-Linx, ukusebenza kubonisa ukuthi ukuvuthwa kwamasu eziteshi zonke e-Brazil kuqhubeka kancane futhi akuncikile ngokukhethekile ezinsukwini ezinkulu zokuphromotha. "Ukuthengisa kuvuna izinzuzo zezinqubo ezididiyelwe kakhudlwana phakathi kwezitolo ezibonakalayo nezedijithali. Izinkampani ezinohlu lwezimpahla ezihlanganisiwe, izindlela zokukhokha, nohambo lwamakhasimende ngokugxila kumthengi ziyaqhubeka nokusebenza ngaphezu kwesilinganiso, okuletha ukuzethemba kuZibandlela, isikhathi esiqinile ngokwemvelo ngenxa kaKhisimusi," usho kanje.

Ezitolo zedijithali, izingosi ze-e-commerce zomkhiqizo zikhule ngo-6% emalini engenayo, ngokunyuka kwama-28% enanini lokuthengisa kanye nokwenyuka kwe-11% enanini lezinto ezithengisiwe. Ezimakethe, amakhasimende akwa-Linx aqophe ukukhuphuka kwemali engenayo ngo-23% kanye nokwenyuka kwevolumu ye-oda ngo-22% uma kuqhathaniswa noNovemba 2024.

NgokukaDaniel Mendez, uMqondisi Omkhulu we-E-commerce e-Linx, ukunyakaza kubonisa abathengi abakhuthele kakhulu nokusebenza okuphumelelayo. "Ukukhula okusimeme kwesiteshi sobunikazi kubonisa ukuthi imikhiqizo iyavela kulwazi lwedijithali, nokusebenza okusatshalaliswa inyanga yonke, okubonisa ukubikezelwa okukhulu nokuhlanganiswa kwamasu e-e-commerce," uyaphawula.

Ngaleli sethi lezinkomba ezinhle, imboni yokudayisa iqala ngoDisemba ngokulindelwe okuhle. Inhlanganisela yendlela ye-omnichannel eqinisiwe, inkundla ye-e-commerce evuthiwe, kanye nezimakethe ezikhulayo kufanele kukhulise ukuthenga kukaKhisimusi, kubonise umthengi ozimisele ukuthenga kanye nomkhakha olungiselela ngokwengeziwe ukuthola lesi sidingo.

I-Amazon Brazil igubha ingqophamlando yezipho ezingaphezu kwesigidi ezi-1 ezathunyelwa ngo-2025.

Ngokusondela kwenkathi yamaholide, i-Amazon Brazil imemezela impumelelo ebalulekile: ngo-2025 kuphela, ama-oda angaphezu kwesigidi esi-1 ku-Amazon.com.br alethwa kusetshenziswa insiza yokugoqa izipho zenkampani. Lesi sici esiyingqayizivele sesivele sixhume amakhasimende ezweni lonke, esihlanganisa izipho ezingaphezu kwezigidi ezingu-5 ezithunyelwe kusukela ngo-2022. Inketho yokugoqa izinto ngesipho ngesikhathi sokuthenga futhi ufake nemilayezo iwusizo olunikezwa yi-Amazon ezweni, okwenza ukulethwa kwemikhiqizo kube indlela yomuntu siqu yokuveza uthando nokugubha.

Ukugubha lesi senzakalo esiyingqopha-mlando, inkampani yethule ifilimu entsha yesikhungo eqinisa indima yayo ekuxhumaniseni abantu nokuhlanganisa amabanga unyaka wonke, igqamisa ukunethezeka nokugxila kwamakhasimende, kanye nokuguqula ukulethwa ngakunye kube ukumamatheka nokuxhumana. Kule filimu, i-Amazon ichaza lonke uhambo lwesipho, kusukela ngesikhathi sokuthenga esitolo se-inthanethi, ngokunakekelwa kwabasebenzi bayo ekuphatheni ama-oda, ukusebenza kahle kwezikhungo zenkampani yezokuthutha kanye nomzila wokulethwa, kuya emizweni yokufika kwaso emnyango. Ukuze ubuke ividiyo ephelele, chofoza lapha .

Kumakhasimende asafisa ukunikeza abathandekayo izipho ngesikhathi samaholide, i-Amazon ihlanganisa idethi yokulethwa elinganiselwe ebonisa ukuthi zingaki izinsuku ngaphambi kukaKhisimusi i-oda labo lizofika. Kulabo abakhetha inketho yokugoqa isipho futhi abafuna ukubhala umlayezo womuntu siqu, lesi sici singatholwa ngaphambi kokuphothula ukuthenga, ngaphansi kwekhasi lokuphuma, esigabeni esifanayo lapho ikhasimende likhetha indlela yokukhokha bese likhetha ikheli lokuthumela. Kule ndawo, kungenzeka:

  • Engeza ukugoqa kwesipho ku-oda lakho.
  • Bhala umlayezo oqondene nawe ozohambisana nomkhiqizo.

Lesi sici sivumela amakhasimende ukuthi enze kube ngokwakho umuzwa wokunikeza izipho, okwenza ukulethwa ngakunye kukhetheke kakhulu futhi kube nenjongo, ikakhulukazi kulabo abathumela izipho kwabathandekayo abahlala kude.

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