Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Marketing

Cluster Companies: What They Are and Why They Matter in Marketing

Learn how business clusters drive innovation and results with data-driven strategies. Discover here how to apply and strengthen your operation!

Cluster Companies: What They Are and Why They Matter in Marketing

Business clusters have gained momentum in digital transformation by bringing together companies and institutions from similar or complementary sectors in the same region. This proximity facilitates the sharing of infrastructure and knowledge, reduces costs, and strengthens the local ecosystem.

By generating collective value, clusters expand access to talent, markets, and innovative solutions. This collaborative environment encourages strategic partnerships and increases the competitiveness of companies in a scenario increasingly driven by data and digital integration. Check it out!

Why do business clusters optimize marketing strategies?

Working in business clusters allows marketing and media professionals to identify local trends more accurately. Access to regional data enables the personalization of messages and the adaptation of media tactics to specific audiences. This approach favors customer segmentation strategies, making campaigns more relevant and increasing conversion rates.

Business clusters provide a solid foundation for data-driven strategies. A deep understanding of business clusters supports results-oriented decisions, enabling more accurate measurement of return on investment. Cluster-based personalization enhances customer engagement and retention while reducing acquisition costs.

The relevance of clusters is also evident in the efficiency of regional media strategies. Professionals working in clusters are able to tailor their campaigns to the specifics of each market, promoting greater connection with local audiences. This directly reflects on digital performance, boosting financial results and strengthening brand presence.

Advantages of business clusters for innovation and collaboration

Collaborative environments are essential for driving innovation. The proximity between companies in clusters facilitates the sharing of know-how, access to talent, and the creation of creative partnerships. This dynamic stimulates the development of innovative solutions and strengthens the business ecosystem.

Competitiveness increases when multiple players exchange information and seek to build solutions together. Open innovation, characteristic of business clusters, favors the creation of disruptive projects and the acceleration of technological processes. Data platforms such as Mosaic and Insights Hub play a strategic role in enhancing this collaboration.

The collective construction of solutions in clusters expands business opportunities, reduces risks, and facilitates access to markets and customers. Companies that operate collaboratively are able to respond quickly to market demands, ensuring greater relevance and long-term sustainability.

How to implement a business cluster approach in your strategy?

Adopting a strategy based on business clusters requires a structured process. Here are some practical tips for integrating this approach into your marketing planning:

  1. Understanding the ecosystem: map the operating environment and identify potential clusters relevant to your business;

  2. Use of technological solutions: use tools such as Mosaic and Insights Hub to analyze data and characterize clusters;

  3. Developing personalized messages: create specific offers and communications for each cluster, considering the particularities of each audience;

  4. Measuring results: establish clear KPIs and monitor the performance of campaigns in each cluster;

  5. Continuous adjustment: reevaluate strategies based on audience behavior and results obtained, continuously improving your performance.

How to guide audience segmentation and personalization by clusters?

The detailed segmentation provided by clusters transforms the approach to media and CRM. Qualified data enables unique experiences and intelligent offers tailored to the profile of each consumer cluster.

The strategic use of segmentation and personalization increases the relevance of campaigns, engages audiences, and boosts financial results. Companies that invest in data are able to anticipate trends, identify opportunities, and strengthen the loyalty of their audiences.

The positive impact of personalization is also reflected in customer retention. Cluster-driven strategies favor the development of lasting relationships, increasing the value generated over time.

Advances in digital technology are driving new trends in the use of business clusters in marketing. The application of artificial intelligence to cluster analysis allows behavior patterns to be identified and market movements to be predicted with unprecedented accuracy.

Omnichannel data integration expands the reach of campaigns and enables automation of personalization at scale. Digital tools evolve rapidly, requiring marketers to constantly update their skills to ensure effective strategies.

Keeping up with technological developments is essential to maintaining effective strategic action. Investing in innovation and team training ensures that companies are prepared to take advantage of emerging opportunities and overcome competitive challenges.

Ensure applied data technology with Mosaic

Mosaic represents a significant advance in the use of data technology for identifying and segmenting business and consumer clusters. Using hundreds of sociodemographic variables, Mosaic classifies audiences and assigns behavior patterns, enabling personalized campaigns tailored to the context of each cluster.

Mosaic's granularity sets it apart from generalist segmentation approaches. While traditional methods group large volumes of consumers into broad categories, Mosaic delivers a detailed view of consumer segments, promoting more precise campaigns. This reduces media dispersion and enhances the performance of data-driven marketing strategies.

Practical examples demonstrate the impact of Mosaic: a retail company can identify clusters with a high propensity to consume certain products and target specific offers. This precision results in conversion rates above the market average and improves the customer experience. The use of Mosaic also contributes to reducing credit risk, as it allows the identification of profiles that are more aligned with the value proposition.

How to identify opportunities in clusters through the Insights Hub?

The Insights Hub is an integrated platform that unifies internal and external data, offering a broad view of business clusters and their business potential. Through the analysis of indicators, the platform enables predictive assessments, scenario projections, and validation of market hypotheses.

The ability to combine diverse information allows Insights Hub to map new regions of operation, identify emerging trends, and adjust media and CRM strategies. Marketing professionals can, for example, assess customer turnover in different clusters and adapt campaigns to increase retention.

Insights Hub supports secure and intelligent decision-making, aligned with the competitive context. Access to qualified data reduces uncertainty and provides support for building more efficient strategies, positioning companies ahead of market changes.

Explore our solutions and boost your cluster strategy!

Are you ready to transform your marketing strategy with data and intelligence? Learn about our solutions and discover how to boost campaigns, expand media reach, and achieve exceptional results with the support of a technology and consulting partner. Request a personalized diagnosis and check how we can help your company grow in a sustainable and innovative way!

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