29/11/2025 · Articles Does innovation no longer have a center? Historically, there have always been moments when different regions of the world led specific waves of innovation. Florence during the Renaissance, London during the Industrial Revolution, Silicon Valley in the software age. But the prevailing logic…
24/10/2025 · Articles Are you building for humans or for AI? Some time ago, the web stopped being made only for people. Since the beginnings of search engines, we have written for machines, so that search engines could read, index and rank our websites.
26/09/2025 · Articles What makes users come back tomorrow and open your app again? The first thing many of us do when we wake up is not say “good morning,” but unlock our phones. Even before coffee, we have already opened an app: to check messages, read the news, pay a bill or simply scroll through a social media feed. Every tap…
24/09/2025 · Articles “Home Alone 2” and the monetization of Open Finance If the article Home Alone, published here last year, illustrated how EPOC — the forwarding of credit proposals — had been forgotten in Open Finance, this second article in the series looks at another part of Open Finance that boarded the wrong…
20/08/2025 · Articles Who controls the thread of your digital life? What if it were possible to reset all of this? Press a button and return the feed to a neutral state. No history, no memory, no accumulated bias. Just room for something new. Imagine opening a social network in the morning and finding a mosaic of…
11/07/2025 · Articles Would you work to bring an end to your own profession? Truly innovating means challenging models that work. It means questioning established processes. It means unsettling your own comfort zone. It means risking the destruction of today’s business in the name of something still taking shape. To many,…
08/07/2025 · Articles Using artificial intelligence is a requirement, not a differentiator Since ChatGPT was released to the public in November 2022, the technology world has been in a frantic race to put artificial intelligence into everything. Two years later, it is time for a warning: using AI is no longer headline-worthy. It is the…
11/06/2025 · Articles When it comes to AI, are you looking in the right place? Companies across many industries are announcing artificial intelligence strategies with enthusiasm, urgency and, often, little reflection. The desire to appear modern, competitive and “up to date with the future” has led to rushed AI adoption,…
30/05/2025 · Articles Data-driven insights: when data becomes the product The promise of turning data into value has never been more concrete. And this is not just rhetoric: in 2025, the global volume of indicators created and moved is expected to exceed 180 zettabytes, according to Statista — equivalent to an average of…
22/05/2025 · Articles Smarter credit: new rules for private-sector payroll loans Credit has historically been a driver of opportunity and, at the same time, something of a trap for millions of Brazilians. In Brazil, where access to credit remains concentrated, expensive and often poorly suited to people’s circumstances, any…
