E-commerce is a useful tool for the industry – Ocanal Corporativas

This article is an editorial opinion permitted by José Augusto Gabizo, FICO president for Latin America.

Since the 90’s we now have seen technological advances in varied market segments. Digital transformation is right here to remain, constructing and enriching experiences and the method the world and applied sciences work together.

Brazil has met this modification with a lot of emphasis since 2014, and the motion has elevated in 2020. With the arrival of the pandemic, we now have gone by way of a digital (r) change, particularly in the monetary system.

Considering this case, speaking about technological traits is one thing that is compulsory to place us on our expectations and traits of growth in very completely different sectors of the economic system. The reality is that yearly we enhance sources and discover new purposes of expertise. Among the articles that might be on the rise in 2023 – in accordance with stories by authorities resembling Gartner, Deloitte and IDC, along with Febraban – seven of them caught my consideration the most, and it is about them, and about them. convergence and synergy in enterprise, which I feel.

Contextual Banking or Hyperpersonalization

Hyperpersonalization is a pattern that has entered the market lately and continues to be current in the operation of varied industries, from finance to gross sales. In the monetary world, with the arrival of Fintechs, this want has elevated.

With a enterprise mannequin that places the buyer at the heart, Fintechs have been born with distinctive choices and a vary of providers tailor-made to buyer wants. Since then, the search for buyer centricity (buyer-centricity) and the method the relationship with the buyer has modified. However, the fact is that, with a purpose to hyper-personalize, it is essential to know, to attenuate, to work at the proper time, by way of the proper channel, and with the proper provide for every buyer profile; and this is solely doable with information and data.

Therefore, for imitation, hyperpersonalization wants, above all, Artificial Intelligence – Observable, Adaptable and Possible. That brings us to our second viewpoint for this text.

Responsible Artificial Intelligence

Responsible Artificial Intelligence is one thing that we are going to hear about till 2025. In the previous couple of years we now have seen this expertise democratize and convey new and satisfying impactful outcomes to the market. And inside this means of hyperpersonalization, strategies, new languages ​​and technical talents are vital for choice making.

However, democratization brings with it a sense of focus. For AI to ship correct and related evaluation, it additionally must be accountable. This is the level that since 2020, Scott Zoldi – CAO of FICO – has been clarifying the concern.

We can discover examples of the flawed use of AI in choice making in the market. Therefore, I emphasize the message that expertise is the method and being accountable is vital to investigate the problems with tradition, discrimination, profiles, the human issue and different mixtures to be efficient.

open the cash

In the wake of humanity and Artificial Intelligence, we proceed with Open Finance. This mannequin of sharing buyer data that initially, for many customers, appeared to assist firms and the way they learn information and buyer conduct. But that places the buyer at the heart of choice-making, in spite of everything, he decides who will give entry to his information and the way firms can use it.

After the Open Finance integration section, the problem is, once more, easy methods to work with information in a sensible, accountable method that delivers worth to the finish buyer. Therefore, banks, insurance coverage firms and retailers want expertise to make use of data and assist in choice making to supply greater than service, however buyer expertise.

Brazil is a reference on this working mannequin and different international locations in Latin America are on the approach to repeat the technique.

Platforms and Cloud

The ramification of the theme leads us to debate the function of the platform of selection and cloud expertise. This platform brings the agility of clever choice-making, whereas the cloud is scalable and on-demand expertise with the integration of enormous quantities of data shortly and cheaply.

But it is vital to notice that a effectively-constructed platform permits firms to care for wants and traits. This is as a result of, it is as vital as mentioning the greatest choices to adapt to altering forecasting processes, giving the pioneering spirit of many industries and launching in accordance with the wants and expectations of shoppers.

Options and cloud platforms proceed so as to add new options, improvements and performance in order that the market, on a world stage, is consistently updating itself.

internet 3.0

Web 3.0 comes to vary the idea of the Internet and, though it is nonetheless below growth, it is vital to concentrate on this concern. This is as a result of, with this modification, data is not entered into massive database servers and is now distributed, which supplies individuals management over data.

For firms, this modification will change the idea of how they’ll use buyer information with a purpose to work with hyperpersonalization. With this case, choice-making platforms are additionally upgraded to a well-liked platform, which shortly reconciles deep data with plans and choices in actual time.


The evolution of Web 3.0 brings with it the development of the Metaverse and the must develop actions. The digital world nonetheless raises many questions relating to the way it works, however it appears that evidently it is right here to remain. In the coming years we are going to see this progress and with it, completely different alternatives will seem in numerous industries.

With services supplied in the metaverse – and, due to this fact, monetary transactions -, all the time, points associated to fraud, occasions, safety and ethics will return and, once more, the choice-making platform could have a place to combine completely different data. serving to firms and types in making choices.


As a ultimate subject, however removed from the least vital, I deliver up ESG (environmental, social and company governance) and the way expertise may also help.

We have the attention-grabbing case of Traxión, which used the quantity of knowledge of the choice-making platform mixed with AI to succeed in, inside the deliberate supply strategies, to cut back the kilos of carbon launched in the group by way of a brief, protected and multi-modal route.

Organizations round the world are more and more recognizing the significance of aligning the three pillars of ESG with their enterprise goals. And having the abilities to help and keep actions associated to the theme is vital.

At the finish of this assumption, it is doable to see that each one processes are related and related as facilitators and drivers of enterprise and markets, with the buyer as the focus. It is vital to take a look at the growth and use of expertise and, above all, to take a look at the wants and modifications of the market.


Public relations – FICO


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