Ikhasi Lasekhaya 461

I-Arquivei Ihlela Kabusha Njenge-Qive futhi Inwebisa Ukusebenza Emakethe Yezezimali

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I-Arquivei Ihlela Kabusha Njenge-Qive futhi Inwebisa Ukusebenza Emakethe Yezezimali

I-Arquivei, inkundla elawula imibhalo yentela yezinkampani ezingaphezu kuka-140,000 e-Brazil, imemezele uguquko olubalulekile namuhla. Ngokubambisana ne-ejensi i-FutureBrand, inkampani yenze kabusha igama layo futhi manje isibizwa nge-Qive. Lolu shintsho alukona nje ukubuyekezwa kwegama, kodwa luwukuhlelwa kabusha kwesu okubonisa ukunwetshwa kobubanzi bayo bemisebenzi, manje okuhlanganisa nezinsizakalo zezezimali ezisha.

Umazisi omusha we-Qive uphawula ukungena kwenkampani ekunikezeni izixazululo ezikhokhelwayo zama-akhawunti, isebenzisa imibhalo yentela njengesisekelo sokuthuthukisa izinsizakalo zezezimali ezintsha emakethe ye-B2B. "Ukwenza lula kuyinani eliwumgogodla kithi futhi kuhambisana nenjongo yethu yokwenza ukuphathwa kwentela, okuyinkimbinkimbi kubantu abaningi, kulula, kuyashesha, futhi kunengqondo," kusho uGabriela Garcia, iNhloko Yezokumaketha e-Qive.

U-Garcia ugcizelele ukuthi i-Qive inikeza isiphakamiso senani esiyingqayizivele emakethe, sithwebula wonke amadokhumenti entela enkampani ukuze ahlele izinqubo zezimali ngaphandle kwanoma yiziphi izikhala zokuthobela imithetho. Lesi sici esiyingqayizivele sibeka i-Qive njengenkundla yokuphathwa kwezimali ephelele.

Ukwenziwa kabusha kwebhrendi kwathuthukiswa yi-ejensi i-FutureBrand futhi yahlanganisa ukuguqulwa okuphelele kwezinto ezibonakalayo zenkampani. "Ngegama elinjalo elichazayo kanye nobunikazi obujwayelekile obubonakalayo esigabeni, inselele enkulu kwakuwukuveza ukuthi inkampani ingaphezu nje kwesiteji sokuphatha izikweletu, kodwa kunalokho isiteji sokuphatha izimali," kuchaza uLucas Machado, umlingani kanye nomqondisi we-FutureBrand São Paulo. Igama elisha, i-Qive, kanye nobuwena obubonakalayo zidizayinelwe ukwandisa amandla omkhiqizo, ngephalethi yombala ogqamile ohlanganisa okusawolintshi nokumnyama, esikhundleni sangaphambili okwesibhakabhaka.

Uphawu olumaphakathi lomkhiqizo manje sekuwuhlamvu u-Q, olumele ikhwalithi nokuqanjwa kabusha, futhi uhlobo olusha lwe-sans-serif lukhethiwe ukuze ludlulisele isimanje kanye namandla. "Asizwani nokuma noma izithiyo. Amaphepha ahlezi engenzi lutho, ama-imeyili agcinwe, amanothi alahlekile: yonke into e-Qive ithola ukugeleza, "ungeze uGarcia.

Ukuze kuqiniswe ukubekwa kwayo kabusha kwemakethe, i-Qive izotshala imali ezinyangeni ezintathu zemikhankaso ehlekisayo, ehlanganisa abagqugquzeli, kuzo zonke iziteshi ezifana ne-YouTube, i-LinkedIn, i-Meta, inkundla yezokuxhumana, kanye nemithombo yezokuxhumana yangaphandle. Inhloso enkulu ukufinyelela izethameli ezintsha emkhakheni wezezimali, kusukela kubahlaziyi kuya kubaphathi, kanye nabanikazi bamabhizinisi babo bonke osayizi.

I-glemO Yethula Ingosi Emisha Enobuhlakani Okwenziwayo ukuze Ithuthukise Ukusesha Kwempahla

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I-glemO Yethula Ingosi Emisha Enobuhlakani Okwenziwayo ukuze Ithuthukise Ukusesha Kwempahla

Imakethe yezindlu nezindlu isanda kuthola umsizi omusha noguquguqukayo: glemO, ingosi ethembisa ukuguqula ulwazi lokuthenga nokudayisa izakhiwo ezintsha ngobuchwepheshe obuthuthukisiwe, okuhlanganisa ne-Artificial Intelligence (AI).

I-glemO iwuhlelo olubanzi lwemvelo oluklanyelwe ukwenza lula nokwenza inqubo yokusesha indawo ibe ngeyakho, enikeza izinzuzo ezibalulekile kumakhasimende nozakwethu. Besebenzisa i-AI, abasebenzisi bangakwazi ukwenza ukusesha okuhlakaniphile, okwenziwe ngendlela oyifisayo, bathole izakhiwo ezihlangabezana nezici ezithile, njengama-condo alungele izilwane ezifuywayo, lawo anendawo yokuzivocavoca noma yokubhukuda, noma lezo eziseduze nezindawo ezithakazelisayo.

U-Gleisson Herit, umsunguli kanye no-CEO we-glemO, ugqamisa ukujula nokuhlukahluka kokuqanjwa kabusha kwephrojekthi. "Ukuqamba okusha kungenye yezinsika zephrojekthi yethu. Sihlanganisa amathuluzi afana ne-Artificial Intelligence, okuyisihloko samanje nesixoxwa kabanzi, futhi sigxila ekuhlangenwe nakho komsebenzisi, okuwumgogodla wethu, "kusho u-Herit.

Ngaphezu kokwenza lula ukusesha kwendawo efanelekile, inkundla inikeza uchungechunge lwezinzuzo kumakhasimende, okuhlanganisa ukuncipha okukhulu kwesikhathi sokusesha kanye nolwazi olungaguquki mayelana nokunikezwayo okutholakalayo. Kozakwethu, njengezinkampani zokwakha, onjiniyela, abenzeli bezindlu, nabadayisi, i-glemO inikeza isizindalwazi esiholayo sangempela nesakamuva, esinedatha enembile ngokuziphatha kwabasebenzisi, ukukhiqizwa kwebhizinisi elisha, nemali engenayo etholiwe, kanye nezifundo zobuhlakani bemakethe.

"Inhloso yethu ukuthi sibe Abaphezulu Engqondweni ngezakhiwo ezintsha. Asifuni ukuthi i-glemO ikhunjulwe ngokuqashisa noma ukuthengiswa kwezakhiwo ezisetshenzisiwe. Phakathi nezinyanga ezingu-24, sihlose ukuba yisithenjwa ezimakethe zaseMelika, Australian, Singaporean, nase-Dubai, ngayinye ibe nesu elihlukile, kodwa konke kugxile enjongweni yethu. Eqinisweni, sesivele sinawo amagatsha avuliwe kulawa mazwe, "kwengeza i-CEO.

Iphothali ifakwe ubuchwepheshe obuphambili, okufaka ideshibhodi yesimanje esekelwe kumamethrikhi e-Business Intelligence, uhlelo lokusebenza oluphendulayo, nesifanisi esisebenzayo nesisebenza kahle. Lezi zici ziqinisekisa ukuzizwisa kokuthenga okuqondisiwe nokungahluphi, kusukela ocwaningweni lokuqala kuya ekuvalweni.

I-glemO idlula ekubeni nje injini yokusesha ehlakaniphile. Isebenza njengehabhu eliphelele lezixazululo zezindlu ezithengiswayo, lapho abasebenzisi bengacwaninga, balingise, futhi baxoxisane ngokuthengwa kwezakhiwo ngokusekelwa okuphelele, besebenza njengomeluleki we-inthanethi oyimfihlo.

I-ABComm Izuza Ukumeleleka Ekomitini Eliqondisa Ubunhloli Bokwenziwa leNkantolo Yezobulungiswa yaseRio de Janeiro

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I-ABComm Izuza Ukumeleleka Ekomitini Eliqondisa Ubunhloli Bokwenziwa leNkantolo Yezobulungiswa yaseRio de Janeiro

I-Brazilian Electronic Commerce Association (ABComm) imemezele ukuqashwa kuka-Walter Aranha Capanema, umqondisi wezomthetho wenhlangano e-Rio de Janeiro, ku-Artificial Intelligence Steering Committee of the Rio de Janeiro State Court of Justice (TJ-RJ). U-Capanema, onolwazi olunzulu kulo mkhakha, ube ngumuntu onethonya ekukhuthazeni nasekusetshenzisweni kwezixazululo zedijithali ngaphakathi kwesistimu yezomthetho yaseBrazil.

Ummeli, uprofesa wezomthetho wedijithali, kanye nomqondisi wokusungula kanye nezemfundo kwa-Smart3, inkampani egxile kwezemfundo nokusungula izinto, i-Capanema ibona ukuqokwa njengethuba eliyingqayizivele. "Umsebenzi wami uzogxila ekuhlanganiseni izixazululo zedijithali kanye nokukhuthaza indawo esebenza kahle," esho.

Inselele entsha ihlanganisa ukubambisana ukuze kuqinisekiswe ukuqaliswa ngempumelelo kobuhlakani bokwenziwa enkantolo, ukuthuthukisa ukusebenza obala kwalolu hlelo. "Ngiyethemba ukuthi ngizoletha izinto ezintsha ezizuzisa inkantolo kanye nezakhamuzi ezisebenzisa izinsizakalo zayo. Ubuhlakani bokwenziwa bunamandla okuguqula uBulungiswa, futhi ngibheke ngabomvu ukuba yingxenye yalolu shintsho," wanezela.

I-ABComm ikholelwa ukuthi ukuqokwa kwe-Capanema kuzozuzisa i-e-commerce ngokulungisa indawo yokwahlulela ngokuvumelana nezidingo ezintsha zobuchwepheshe. Lolu hlelo luqinisa ukuzibophezela kwenhlangano ekwesekeni amasu amasha aqhuba intuthuko yomkhakha kanye nokwenza ngcono izinga lenkonzo ukuze kuhlangatshezwane nezidingo zabantu.

UMauricio Salvador, umongameli we-ABComm, ugcizelele ukubaluleka kwale ntuthuko entsha yomkhakha we-e-commerce kanye nomthetho wedijithali. "Ukufakwa kuka-Walter Capanema ekomitini kuyingqopha-mlando ebalulekile yokuvuselela uhlelo lwezobulungiswa. Ulwazi lwakhe luzobaluleka ekukhuthazeni ukushelela nokusebenza kahle kwezinqubo, okuzuzisa ngokuqondile umthetho we-e-commerce kanye nedijithali eBrazil," kusho uSalvador.

Ngalokhu kuqokwa, imakethe yedijithali ithola izwi elinethonya kuKomidi Eliqondisa Ubunhloli Bokwenziwa kwe-TJ-RJ, elithembisa inqubekelaphambili ebalulekile ekwenzeni kube simanjemanje nokusebenza kahle kohlelo lwezokwahlulela.

I-Artificial Intelligence Iguqula Ukwakhiwa Kokuqukethwe, Okutholwe Kombiko we-Clevertap

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I-Artificial Intelligence Iguqula Ukwakhiwa Kokuqukethwe, Okutholwe Kombiko we-Clevertap

Ukudalwa kanye nokusetshenziswa kolwazi akukaze kube namandla kangaka. Esimeni lapho okuphakelayo kwezindaba zenkundla yezokuxhumana kubuyekezwa njalo, ukukhiqiza okuqukethwe kwekhwalithi okugqamayo futhi okubandakanya izethameli kuba inselele ekhulayo. Impendulo yalesi sidingo iba ku-Artificial Intelligence (AI), ezihlanganisa njengethuluzi elibalulekile lokukhiqiza okuqukethwe okunomthelela nokubalulekile.

Umbiko wakamuva ovela ku-Clevertap, inkundla yokumaketha yedijithali egxile ekugcinweni kwabasebenzisi nokuzibandakanya, uveza ukuthi ama-71.4% ochwepheshe bezentengiso bathi i-AI isetshenziswa kakhulu ngamaqembu abo okuqukethwe. Lesi sibalo sigqamisa inkambiso ekhulayo: I-AI isihambile ekubeni umbono wekusasa yaya eqinisweni lamanje neliyisisekelo ekukhangiseni kwedijithali.

U-Marcell Rosa, uMphathi-Jikelele kanye nePhini Likamongameli Wezentengiso we-Latin America e-Clevertap, ugqamisa ukuthi enye yezinzuzo ezinkulu zokusebenzisa i-AI yikhono layo lokuzuza ukwenza kube ngokwakho ngezinga elikhulu. "Ngokuhlaziya idatha yomsebenzisi, i-AI ingadala okuqukethwe komuntu siqu kakhulu okuhambisana nezethameli eziqondiwe. Lokhu akugcini nje ukwandisa ukuzibandakanya kodwa futhi kuqinisa ukuxhumana phakathi komkhiqizo nomthengi," kuchaza uRosa.

Ngaphandle kokwenza kube ngokwakho, i-AI iletha ukusebenza kahle okungakaze kubonwe enqubweni yokudala okuqukethwe. Amathuluzi okukhiqiza umbhalo ngokuzenzakalelayo, njengamamodeli olimi e-GPT, angakhiqiza izindatshana, okuthunyelwe kwebhulogi, nemibhalo yevidiyo ngamaminithi. “Lokhu kuvumela amaqembu ezentengiso ukuthi agxile emisebenzini enamasu amaningi, njengokuchaza izihloko nokuhlaziya imiphumela,” kunezela uchwepheshe.

Ngokuphambene nenkolelo yokuthi i-AI ibeka engcupheni yokusungula komuntu, u-Rosa uthi ubuchwepheshe empeleni bandisa ama-horizons okudala. "Ngokuhlaziya umthamo omkhulu wedatha, i-AI ingakwazi ukuhlonza amathrendi asafufusa futhi inikeze imininingwane engase ingabonakali. Leli khono 'lokucabanga ngaphandle kwebhokisi' livumela amabhrendi ukuba asungule amasu awo okuqukethwe, enze ukulandisa okuyingqayizivele nokuhehayo," uyaphawula.

Njengoba ubuchwepheshe be-AI buqhubeka nokuvela, ukuhlanganiswa phakathi kwabantu nemishini ekudalweni kokuqukethwe kulindeleke ukuthi kushube. "Amathuluzi azoba yinkimbinkimbi kakhulu, anikeze amandla ukusebenza kahle kanye nezindlela ezintsha zokubonisa ubuciko. Nokho, kubalulekile ukukhumbula ukuthi ubuchwepheshe buyithuluzi, hhayi indawo yokuthinta umuntu. Impumelelo ekusebenziseni i-AI ukuze ukhiqize okuqukethwe ilele ekutholeni ibhalansi efanele phakathi kokuzenzakalela nobuqiniso," kuphetha uMarcell Rosa.

I-Kaspersky Yethula I-PodKast Kumasu Okuvikela Okuthuthukile Kwe-Cyber ​​​​

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I-Kaspersky Yethula I-PodKast Kumasu Okuvikela Okuthuthukile Kwe-Cyber ​​​​

UKaspersky umemezele isiqephu esilandelayo sePodKast yakhe, ezodlala ngo-Agasti 28, 2024, ngo-10:00 AM.

Kulesi siqephu esingenakuphuthelwa, u-Fernando Andreazi, Umphathi Wezokuthengisa Isixazululo e-Kaspersky, uzokwamukela isivakashi esikhethekile u-Julio Signorini, i-LinkedIn's Top Voice in IT Management. Ndawonye, ​​bazohlola amasu athuthuke kakhulu okuvikela i-inthanethi, agxile ekuhlanganiseni Ukutholwa Okuphethwe kanye Nempendulo (MDR) ne-Threat Intelligence.

Abalaleli bazothola ukuthi lokhu kuhlanganiswa kungashintsha kanjani impendulo yesigameko futhi kuqinise ngokuphawulekayo ukuma kwezinhlangano zokuphepha. Le ngxoxo ithembisa ukuhlinzeka ngemininingwane ebalulekile kochwepheshe be-cybersecurity kanye nabaphathi be-IT.

Ungaphuthelwa yileli thuba lokufunda kochwepheshe bomkhakha futhi uhlale ngaphambi kwamathrendi akamuva e-cybersecurity. Lalela ku-PodKast ka-Kaspersky ngomhlaka-28 Agasti ngo-10:00 AM ukuze uthole ingxoxo engaguqula indlela yakho yokuvikeleka kwedijithali.

Ukuze ubhalise, chofoza lapha .

I-PagBank ibika ikota yerekhodi ngemali engenayo eyinsalela engu-R$542 wezigidi (+31% y/y)

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I-PagBank ibika ikota yerekhodi ngemali engenayo eyinsalela engu-R$542 wezigidi (+31% y/y)

I-PagBank ibhange ledijithali elisebenza ngokugcwele elinikeza izinsizakalo zezezimali nezindlela zokukhokha, limemezele imiphumela yalo yekota yesibili ka-2024 (2Q24). Phakathi kwezinto ezivelele zaleso sikhathi, Inkampani iqophe imali engenayo eyinsalela ephindelelayo , irekhodi emlandweni wesikhungo, lamaRandi ayizigidi ezingu-R542 (+31% y/y). Imali engenayo ye-Accounting , nayo eyirekhodi, yayiyizigidi ezingama-R504 (+31% ngonyaka).

Cishe uzoqeda iminyaka emibili njenge-CEO ye-PagBank, u-Alexandre Magnani ugubha izinombolo zamarekhodi, umphumela wesu elisetshenziswe futhi lasetshenziswa kusukela ekuqaleni kuka-2023: "Sinamakhasimende acishe abe yizigidi ezingama-32 . Lezi zinombolo zihlanganisa i-PagBank njengebhange eliqinile neliphelele, eliqinisa inhloso yethu yokwenza lula izimpilo zezezimali zomuntu ngamunye, amabhizinisi kanye nendlela evikelekile," kusho i -CEO efinyelelekayo, evikelekile futhi evikelekile.

Ekutholeni, i-TPV ifinyelele irekhodi elingu -R$124.4 webhiliyoni, elimele ukukhula konyaka okungu-34% (+11% q/q), okungaphezu kokuphindwe kathathu ukukhula komkhakha phakathi naleso sikhathi. Lesi sibalo siqhutshwa ukukhula kuzo zonke izingxenye, ikakhulukazi engxenyeni yamabhizinisi amancane namancane (ama-MSME), amele u-67% we-TPV, kanye nokuma kokukhula kwebhizinisi okusha, ikakhulukazi ku-inthanethi , ukuwela umngcele , kanye nokusebenza okuzenzakalelayo, osekuvele kumele ingxenye yesithathu ye-TPV.

Emabhange edijithali, i-PagBank ifinyelele ku -R$76.4 bhiliyoni ku -Cash-in (+52% y/y), ibambe iqhaza enanini lamarekhodi ediphozithi , elifinyelele inani elingu -R34.2 bhiliyoni , ngokunyuka okumangalisayo okungu-+87% y/y kanye no-12% q/q, okubonisa  ibhalansi engu-+39% y/y yevolumu ephezulu yokuqoqwa kwe-akhawunti ye-CDB ekhishwe yi-CDB yokukhula kwe-Pag. ibhange, elikhule +127% ezinyangeni eziyishumi nambili ezedlule.

isilinganiso se-AAA.br esivela ku -Moody's , esinombono ozinzile, izinga eliphezulu kakhulu esikalini sendawo. Ngaphansi konyaka, zombili i-S&P Global kanye ne -Moody's zisinike isilinganiso esiphezulu esikalini sazo sendawo: 'i-triple A.' Kwa-PagBank, amakhasimende ethu ajabulela ukuqina okufanayo nezikhungo zezezimali ezinkulu kunazo zonke ezweni, kodwa ngembuyiselo nemibandela engcono Lokhu kungenzeka ngenxa yesakhiwo sethu esinciphile kanye nokuba bukhali kwe-fintech,” kuphawula uMagnani .

Ku-2Q24, iphothifoliyo yekhredithi yanda ngo-+11% unyaka nonyaka, yafinyelela ku -R$2.9 bhiliyoni , iqhutshwa ubungozi obuncane, imikhiqizo yokuzibandakanya kakhulu efana namakhadi esikweletu, imali ebolekiwe yabaholayo, nokuhoxiswa kwangaphambili kokugubha usuku lwe-FGTS, kuyilapho kuqaliswa kabusha ukunikezwa kweminye imigqa yezikweletu.

Ngokuka-Artur Schunck, i-CFO ye-PagBank, ukusheshisa ivolumu nemali engenayo, kuhlanganiswe nezindleko eziqondile kanye nezindleko, yizona ezihamba phambili zemiphumela yerekhodi. "Sikwazile ukulinganisa ukukhula nenzuzo. Ukukhula kwemali engenayo kuye kwakhula ngokushesha ezindaweni zakamuva, futhi ukutshalwa kwezimali kwethu ekwandiseni amaqembu okuthengisa, izinhlelo zokumaketha, nokuthuthukisa isevisi yamakhasimende akuzange kuphazamise ukukhula kwenzuzo, okusinikeza amandla okubuyekeza i-TPV yethu kanye neziqondiso zemali engenayo ephindaphindiwe phezulu , "kusho uSchunck.

Njengoba isigamu sokuqala sika-2024 sisondela ekupheleni, inkampani yenyuse i-TPV yayo kanye nokuqagela imali engenayo eyinsalela yonyaka. Ku-TPV, inkampani manje ilindele ukukhula okuphakathi kuka-+22% no-+28% unyaka nonyaka, ngaphezu kuka-+12% kanye no-+16% isiqondiso esabiwe ekuqaleni konyaka. Ukuze uthole imali engenayo ephindelelayo, inkampani manje ilindele ukukhula okuphakathi kuka-+19% no-+25% unyaka nonyaka, ngaphezu kwesiqondiso sokukhula okwabiwe ekuqaleni konyaka. 

Amanye amaphuzu avelele 

Isamba semali engenayo ku -2Q24 ibingu- R$4.6 bhiliyoni (+19% y/y), eqhutshwa ukwenyuka okunamandla kwemali engenayo ye-margin ephezulu evela kumasevisi ezezimali. Inani lamakhasimende lifinyelele ezigidini ezingu-31.6 , okuqinisa isikhundla se-PagBank njengelinye lamabhange amakhulu edijithali ezweni.

I-PagBank ibisebenzela ukwethula imikhiqizo emisha namasevisi azonweba iphothifoliyo yayo eqhubekayo yezixazululo ukuze kube lula ibhizinisi lamakhasimende ayo. Ibhange ledijithali lisanda kwethula isevisi ukuthi athole izinkokhelo kusengaphambili ezivela kwamanye amatheminali , namadiphozithi osuku olufanayo kuma-akhawunti awo. Kulo Agasti, amakhasimende afanelekayo azokwazi ukufinyelela isevisi kuma-akhawunti awo asebhange.

"Lena kuzoba indlela entsha yokuthi abathengisi bafinyelele okutholwayo endaweni ephakathi nendawo. Ngayo, ungakwazi ukubuka futhi ulindele konke ukuthengisa kunoma yisiphi isitholi kuhlelo lokusebenza lwe-PagBank, ngaphandle kwesidingo sokufinyelela izinhlelo zokusebenza eziningi," kuchaza uMagnani. Ngokusho kwe-CEO, kulesi sigaba sokuqala somkhiqizo, inkampani inikeza izici ezihlanganisa inkontileka yokuzenzela wena ngokwakho, inkokhelo yosuku olufanayo yamakhasimende e-PagBank, nezingxoxo ezenziwe ngokwezifiso ngomtholi nenani.

Esinye isici esisanda kukhishwa izinkokhelo eziningi ze-boleto , ezikuvumela ukuthi wenze izinkokhelo eziningi ngesikhathi esisodwa okwenziwayo okukodwa, ukwehlisa isikhathi esidingekayo ukuze kucutshungulwe i-boleto ngayinye ngayodwa. Lesi sixazululo sizuzisa kakhulu abanikazi bama-akhawunti ngabanye noma bezinkampani abafuna ukukhokha izikweletu eziningi ngesikhathi esisodwa. Futhi ngale kwalokhu kwethulwa, ezinye eziningi zisemkhathizwe.

" Kumakhasimende ethu ayizigidi ezingu-6.4 abathengisi namabhizinisi , lezi nezinye izinzuzo ezincintisanayo, ezifana nezindleko zero kubathengisi abasha, intuthuko esheshayo kuma-akhawunti e-PagBank, ukulethwa kwe-ATM ecacile, nokwamukelwa kwe-Pix, kuyizihlukaniso eziphawulekayo. Sigxile ekuheheni nasekugcineni amakhasimende kanye siwakhuthaze ukuthi asebenzise i-PagBank njengengxenye yenkampani yethu ekhiqizayo kanye nenani eliyinhloko elikhiqizayo , " wengeza u-Alexandre Magnani, oyi-CEO ye-PagBank.

Ukuze ufinyelele ishidi eliphelele lebhalansi le-PagBank le-2Q24, chofoza lapha .

Abashadikazi bayayinqoba inkinga, bazisungulele kabusha futhi bathole u-R50 wezigidi ngokuthengiswa kwefenisha ku-inthanethi

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Abashadikazi bayayinqoba inkinga, bazisungulele kabusha futhi bathole u-R50 wezigidi ngokuthengiswa kwefenisha ku-inthanethi

Kusuka ku-Recife, u-Flávio Daniel no-Marcela Luiza, 34 no-32, ngokulandelana, baguqula izimpilo zamakhulu abantu ngokubafundisa ukuthi bangachuma kanjani ngokuhweba ngedijithali. Baguqule ulwazi lwabo ngezitolo ze-Tradição Móveis, ibhizinisi elaqala ngokudayisa ngezitini nodaka eminyakeni eyi-16 edlule futhi njengamanje lenza imali eyizigidi ezingama-R50. Kodwa-ke, benze ushintsho lwedijithali phakathi nalolu bhubhane, lapho bephoqeleka ukuthi bathuthele kwezentengiselwano eziku-inthanethi. 

Isitolo sefenisha sazalwa ngenxa yesifiso sikaDaniel sokuzimela. Wayesebenza ebhizinisini likayise lefenisha eRecife futhi wayefuna ukuthuthuka, ngakho wanquma ukuqala ibhizinisi lakhe. 

Kodwa-ke, ngenxa yokuntula imali yokutshala, usomabhizinisi osemusha akakwazanga ukuthola isikweletu emabhange, ingasaphathwa eyokubaphakeli bemikhiqizo. Kungaleso sikhathi lapho athola khona umqondo wokudayisa imikhiqizo eyonakele ehlezi esitolo sikayise engenzi lutho, ebiza u-R40 000, ngentengo ephansi.

Njengoba isitolo sivuliwe, ukuthengiswa kokuqala kwaqala ukubonakala futhi usomabhizinisi, ngaphezu kokukhokha isikweletu sakhe noyise, watshala imali emikhiqizweni emisha futhi, kancane kancane, njengoba ethola isikweletu kubakhiqizi, waqala ukunikeza izinketho eziningi zefenisha kumakhasimende.

Selokhu avula isitolo, uDaniel ubesebenza nentombi yakhe yangaleso sikhathi, uMarcela Luiza, nowasheshe waba ngunkosikazi wakhe nozakwabo kwezamabhizinisi. Evela ekuthomeni okuthobekile endaweni yase-Destilaria do Cabo de Santo Agostinho, akazange acabange ukuthi uzozuza impumelelo yobungcweti, ikakhulukazi uma kubhekwa izinselele zokuba ngowesifazane oqhuba ibhizinisi eceleni komyeni wakhe ngenkathi ejaha eminye imithwalo yemfanelo, ukwenza ikhaya, nokukhulisa izingane. “Uma ngicabanga lapho ngisuka khona nohambo lwami, ngithi yimina engingeke ngibe khona, ngoba yonke into ayizange ingikhombise indlela kodwa siphikelele, saphumelela, sazuza impumelelo,” usho kanje.

Ubhubhane vs. Ukuthengiswa Kwe-inthanethi 

Ukungena kokuqala ekuthengisweni kwe-inthanethi kwaqala ngokulahlekelwa okutholwe ngemva kokuvula isitolo kwelinye idolobha, okwaholela esikweletini sika-R1 million. Ukuthengisa nge-Facebook kwaba yisixazululo esitholakele ukumboza ukushoda.

Kamuva, ubhubhane lwe-coronavirus lwaphoqa lo mbhangqwana ukuthi ushintshe ngokuphelele indlela yawo yokwenza umsebenzi. Ngokuvalwa komsebenzi, bebesabela ukusimama kwebhizinisi labo nokugcinwa kwabasebenzi babo - namuhla inkampani iqashe abantu abangama-70. "Kodwa-ke saqala ukuthengisa ukude, ngokusebenzisa izinkundla zokuxhumana kanye ne-WhatsApp. Ngenxa yalokho, sakhula, futhi akekho okwakudingeka adilizwe," kukhumbula uDaniel.

Ngokukhula kokuthengiswa kwe-inthanethi, lo mbhangqwana waqala ukutshala imali esitolo esiku-inthanethi, esifomethwe ngeTray, inkundla ye-e-commerce ephethwe yi-LWSA. Izisombululo zedijithali zenkampani zenze umbhangqwana wakwazi ukuthengisa okwengeziwe ku-inthanethi futhi wandise ukuphathwa kwebhizinisi ngokulawula uhlu lwezimpahla, ukukhishwa kwe-invoyisi, intengo, nokumaketha—konke endaweni eyodwa. "Besidinga ukuthengiselana kwamakhasimende okuvikelekile kanye nesizindalwazi esithembekile, kanye nokuthengisa okuhleliwe kanye nekhathalogi ye-inthanethi, ngakho-ke safuna isixazululo sezobuchwepheshe ibhizinisi lethu elilidingayo," uyachaza. 

Njengamanje basebenzisa iziteshi zabo zonke zezitolo, okusho ukuthi banikezela ngokuthengisa okungokoqobo nokuku-inthanethi ngesitolo sabo se-inthanethi kanye neziteshi zedijithali zenkampani. Ukuphumelela kwaleli bhizinisi sekuholele ekutheni laba bashadikazi batshale izimali zabo ezinhlelweni zokuqukethwe ezinkundleni zokuxhumana, kanti sebendawonye abagcinanga nje ngokuba ngosomabhizinisi kodwa baphinde babe ngabaluleki kubantu abafuna ukutshala imali noma abaqhuba amabhizinisi abo kodwa abadinga ulwazi ukuze bathuthukise ukusebenza kwabo. 

“Okungenzeki kuyenzeka, ngakho-ke iseluleko sethu kulabo abangosomabhizinisi noma abazimisele ngokuba namabhizinisi abo wukuthi bahlale befuna ulwazi, ubudlelwano nezinkundla, nobuchwepheshe, singakhohlwa ukugxila ekhasimendeni, okumele ngaso sonke isikhathi libe maphakathi nebhizinisi ukuze likhule kakhulu futhi lidayise kaningi,” kusho uMarcela. 

Ngendlela yayo, inkundla yedijithali iguqula ukuphathwa kwamanethiwekhi e-franchise eBrazil

Ukuvuselelwa kwe-E-Commerce
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Ngendlela yayo, inkundla yedijithali iguqula ukuphathwa kwamanethiwekhi e-franchise eBrazil

Emhlabeni oguquguqukayo wosomabhizinisi baseBrazil—lapho, ngokusho kwedatha evela ku-Brazilian Franchising Association (ABF), abantu abayizigidi ezingu-51 bafuna ukuqala ibhizinisi eminyakeni emithathu ezayo—I-Central do Franqueado iguqula enye yezingxenye zemakethe ezifunwa kakhulu ngendlela yayo. Ibizwa ngokuthi i-CentralON, inkundla yedijithali yenhlangano isivele isiza amakhasimende angaphezu kuka-200 futhi ithuthukisa ngokusobala ukuphathwa kokusebenza kwamanethiwekhi e-franchise e-Brazil. 

Umkhakha wezohwebo wenze imali eyizigidi eziyizinkulungwane ezingama-R240.6 ngo-2023, emele ukukhula ngo-13.8% uma kuqhathaniswa nonyaka odlule, ngokusho kwe-Brazilian Association of Franchisees (ABF). Ingxenye yesevisi yokudla, ngokwesibonelo, eholwa yi-foodservice, ibingelinye elikhula ngokushesha ngonyaka odlule, elikhombisa ukuqina namandla kwalo. Uma kubhekwa lesi simo, i-Franchisee Centre isesimweni sokuqhuba impumelelo yabahwebi bayo.

I-CentralON methodology ye-Franchisee Centre iyinqubo ehlukaniswe izigaba ezintathu:

  1. I-ONset : Kulesi sigaba, kunokuhlaziywa okuningiliziwe kwezinselelo ezithile zenethiwekhi ye-franchise futhi amathuluzi afanele akhethiwe ukuxazulula lezi zinkinga.
  2. I-ONboarding : Lapha, inkampani iqapha ukuqaliswa kwezixazululo, iqinisekisa ukuthi yonke into isebenza ngempumelelo.
  3. ONgoing : Isigaba sesithathu sigxile emjikelezweni wokuthuthukisa. I-Franchisee Centre yenza ukuhlola okuvamile futhi yenza izinguquko njengoba kudingeka ukuze inikeze ukwesekwa okuqhubekayo kunethiwekhi ehlinzekwayo.

"Yonke i-franchise inohambo oluyingqayizivele, futhi indlela yethu enezinhlangothi ezintathu iklanyelwe ukukhanyisa indlela yamakhasimende ethu emiphumeleni. Lo mkhakha ukhula ngokushesha, kodwa akufanele sikhohlwe ukuthi ukuncintisana nakho kukhula ngesikhathi esifanayo. Ngalokhu engqondweni, kubalulekile ukucabangela amasu angcono kakhulu okuhlala usebenza, "kuphawula uDario Ruschel, i-CEO ye-Central do Franqueado .

Phakathi kwezinzuzo ezincintisanayo ezinikezwa i-Franchisee Centre ukukhuthazwa kokuxhumana, ukuhlanganisa, nokwandiswa kwamanethiwekhi, ukuzimela, kanye nenkundla eyenza ukuphatha kube lula, kusukela ekuxhumaneni kuya ekulawuleni ikhwalithi nokusekelwa phakathi nenqubo yokwandisa. Inkampani iphinde iqinisekise ukuhambisana noMthetho Wokuvikelwa Kwedatha Okujwayelekile (LGPD), eqinisekisa ukuphepha okusemthethweni nokuthula kwengqondo ekusebenzeni. 

Igxile ngokukhethekile kumaketanga anamayunithi angama-50 noma ngaphezulu, inkundla iphinde ivelele ngokubambisana kwayo okuqinile namakhasimende ayo. "I-DNA yethu kanye nombono wethu wokuguqulwa kungenye yezinto ezihluke kakhulu. Sikholelwa ukuthi izindinganiso zethu eziyinhloko nokusondelana namakhasimende ethu kusibeka emakethe. Lokhu kusivumela ukuthi sinikeze izixazululo ezenziwe ngokwezifiso zezidingo ezithile zochungechunge ngalunye, "kugcizelela uJoão Cabral, i-COO ye-Central do Franqueado .

Ubambiswano lwamasu phakathi kwe-Oakmont kanye ne-Transmit Security luqinisa ukulwa nokukhwabanisa e-Brazil

Ukuvuselelwa kwe-E-Commerce
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Ubambiswano lwamasu phakathi kwe-Oakmont kanye ne-Transmit Security luqinisa ukulwa nokukhwabanisa e-Brazil

Ngomnyakazo wamasu wokuqinisa imisebenzi emelene nokukhwabanisa e-Brazil, i-Oakmont Group , inkampani yokubonisana nobuchwepheshe namasevisi, imemezela ubudlelwano obubalulekile ne -Transmit Security , edume ngokuhlonza ikhasimende kanye nezixazululo zayo zokuphatha ukufinyelela (CIAM). Lokhu kubambisana akuhlosile nje kuphela ukwandisa ubukhona bazo zombili izinkampani emakethe yase-Brazil kodwa futhi nokukhulisa izinga lokuphepha nokusebenza kahle ekuhwebeni kwezezimali.

U-Aline Rodrigues, Umholi Wophiko Lwebhizinisi e-Oakmont Group, ugcizelela ukubaluleka kwalobu budlelwano. “Ngesikhathi nginikezwa umsebenzi wokuhola uphiko lwebhizinisi lokuvimbela ukukhwabanisa, sakhetha i-Transmit njengozakwethu oyinhloko ngenxa yekhono layo lokuhlinzeka ngombono ophelele womjikelezo wempilo wobunikazi bomsebenzisi,” kugcizelela u-Aline. "I-Transmit iyazihlukanisa ngokuhlanganisa izigaba eziningi zenqubo yokuqinisekisa nokuqinisekisa, okwenza ukuphila kube lula kumakhasimende ethu kanye nokuhlinzeka ngokuvikela okuqinile kokukhwabanisa," uyanezela.

Enye yezinzuzo ezibalulekile ze-Transmit ikhono layo lokuhlinzeka ngenkundla eyodwa ehlanganisa izixazululo eziningi zokuqinisekisa, kusukela ekugibeleni kuya ekuqinisekiseni okwenziwayo okuqhubekayo. Lokhu kuqeda isidingo sabathengisi abaningi, okwenza inqubo isebenze kahle futhi ingabi namaphutha. "Izinkampani eziningi zaseBrazil zisebenzisa abathengisi abahlukene esigabeni ngasinye senqubo yokuqinisekisa, okungase kubangele ukungqubuzana nokwandisa ubungozi. Nge-Transmit, singakwazi ukuhlela zonke lezi zinyathelo ngendlela ehlanganisiwe nephumelelayo," kuchaza u-Aline.

"Inkundla yethu ayitholi nje ukukhwabanisa, kodwa futhi ithuthukisa ulwazi lwekhasimende futhi ithuthukise izinkomba zokusebenza. Ukusebenzisana ne-Oakmont kusivumela ukuthi sinikeze lezi zinzuzo kubabukeli ababanzi e-Brazil, sisebenzise ulwazi lwendawo yase-Oakmont kanye nobuchwepheshe ukuze sisebenzise izixazululo zethu ngokuphumelelayo," kunezela u-Marcela Díaz, obhekele ukubambisana kwe-LATAM ku-Transmit Security.

Ubambiswano alubonakali nje kuphela ekuhlanganisweni kwezixazululo zokuvimbela ukukhwabanisa, kodwa futhi nasekusetshenzisweni okuthuthukisiwe kobuhlakani bokwenziwa (AI). Ubuchwepheshe be-AI ye-Transmit buvumela ukuhlaziya okujulile, ngesikhathi sangempela kwedatha enkulu, ukuhlonza amaphethini asolisayo kanye nokuvimbela ukukhwabanisa ngendlela ephumelela kakhudlwana. Ngama-algorithms okufunda komshini, inkundla ingahlala ijwayelana nezinsongo ezintsha, inikeze isendlalelo esengeziwe sokuvikela esiguqukayo ngokuhambisana nesimo sengozi. Lokhu kusetshenziswa okusha kwe-AI kuqinisekisa ukuvikeleka okusebenza ngempumelelo kanye nolwazi lwamakhasimende oluphephile.

I-Transmit Security, ekhona emazweni amaningana emhlabeni jikelele, ibona iBrazil njengemakethe ebalulekile ekukhuleni kwayo eLatin America. "Sineqembu elizinikele eBrazil elisebenzisana eduze ne-Oakmont ukulungisa izixazululo zethu ezidingweni ezithile zemakethe yaseBrazil," kusho uMarcela. "Inhloso yethu ukukhula ngokubambisana, ukubamba iqhaza emicimbini ehlanganyelwe kanye nemisebenzi yokwandisa ukubonakala kwethu nokuqinisa ubukhona bethu emakethe."

Lokhu kubambisana sekuvele kubonisa imiphumela ethembisayo, namakhasimende ambalwa amakhulu omkhakha wezezimali amukela izixazululo ezihlanganisiwe ze-Transmit Security. “Sigxile ekufuneni amakhasimende amasha nokwandisa ukusebenza kwethu, sihlale sizibophezele ekunikezeni ubuchwepheshe obungcono kakhulu nokweseka ozakwethu namakhasimende ethu,” kuphetha uMarcela.

Kunini lapho ukukhiqiza kabusha kuyadingeka? Bheka amathiphu angu-5 oshintsho oluyimpumelelo

Ukuvuselelwa kwe-E-Commerce
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Kunini lapho ukukhiqiza kabusha kuyadingeka? Bheka amathiphu angu-5 oshintsho oluyimpumelelo

Inqubo yokuklama kabusha kanye nokuhlela kabusha ubunjalo bomkhiqizo isebenzela ukulenza libe ngesimanjemanje futhi limiswe kabusha emakethe, liqondanise amanani alo, injongo yalo, nombono walo, kanye nokuhlangabezana kangcono nokulindelwe ngamakhasimende kanye nokugqama kwabaqhudelana nabo. "Ukuze ukwakhiwa kabusha kwebhrendi kube yimpumelelo, kuyadingeka ukutadisha isimo futhi uthuthukise isu lokusebenzisa ngokucophelela nangempumelelo," kweluleka u-Paula Faria, umlingani ongumsunguli kanye ne-CEO ye-Sua Hora Unha. 

Izinto ezimbalwa zingase ziqhube isidingo salokhu kuvuselelwa, njengalezi: ukuncintisana kokusetshenziswa komkhiqizo; ukwandisa izethameli okuqondiwe kuzo kanye nokuhlanganisa izethameli eziningi; ukwanda kokuqashelwa; ukwanda nokukhula; emisha, phakathi kokunye. “Ukwazi ukubona isikhathi esifanele salolu shintsho kubalulekile ngoba kuqinisekisa ukuthi inkampani ihlala iqhudelana futhi ihambisana nezidingo nokulindelwe yimboni,” kuphawula uFaria. 

Usomabhizinisi wesifazane wenze uhlu lwamathiphu amahlanu angakusiza ukuthi uphumelele ohlelweni lwakho lwezinguquko. Kuhlole: 

Injani imakethe? 

Isinyathelo sokuqala ukwenza ucwaningo nokuhlaziya imakethe. "Kudingeka uqonde kahle ukuthi kwenzekani ensimini yakho, ukuthi yini izimbangi zakho abazenzayo, kanye nombono wamanje womkhiqizo wakho. Ngale ndlela, uzobe uzilungiselele kahle izinyathelo ezilandelayo, ngakho ungaqedi lesi sinyathelo, "kwembula uzakwethu.

Yiba nenjongo

Misa injongo ethile, elinganisekayo yokuqamba kabusha kwakho. "Kungakhathaliseki ukuthi ukwandisa ukubonakala, ukufinyelela izethameli ezintsha, noma ukwenza isithombe senkampani yakho sibe sesimanje, zibekele umgomo wokugxila ekufezeni lokho," kusho u-Paula. 

Ithuba lakho lesibili

Lolu shintsho olokuthi inethiwekhi yakho ikhule futhi iphumelele. Ikakhulukazi kulabo abebengayitholi imiphumela emihle ngaphambilini, ngakho-ke yamukela ukubekwa kabusha njengethuba lesibili lokwenza izinto ngendlela ehlukile futhi ulungise obuphuthelwe. 

“Kubalulekile ukwenza isiqiniseko sokuthi ubuwena buyafana kuzo zonke iziteshi zokuxhumana nezinto zokwakha,” kusho i-CEO. 

Ukubekezela

Ungavele ulandele icebo lakho ngokunganaki; yehlisa umoya futhi ukwenze ngokucophelela. Ukushesha nokuntuleka kokuhleleka kungakwenza uphuthelwe izinyathelo ezibalulekile. "Dala uhlelo oluningiliziwe lokwethulwa kabusha komkhiqizo, okuhlanganisa umugqa wesikhathi, isabelomali, nezinyathelo ezithile," kweluleka uFaria. 

Ukungafihli

Gcina ukuxhumana okusobala nabasebenzi bakho, abahlanganyeli, kanye nomphakathi. “Kubalulekile ukuthi abasebenzi namakhasimende akho baqonde izizathu nezinzuzo zezinguquko,” kuphetha yena.

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