Table of Contents 64q43
In a digital event on Tuesday morning (13), the Fiserv, a leading technology company for financial transactions and payments, presented its research on the current scenario of e-commerce and payments in 2022 in Brazil with an analysis of the transition between the pandemic and the current moment with the end of the sanitary restrictions that were necessary during the period. 4n2q2w
The presentation highlighted Pix's great adherence as the main means of payment in Brazil, being a standard to be followed in several countries. In addition, a great panorama of current Brazilian E-commerce was presented, which showed a retraction of online purchases coinciding with the end of the Covid-19 pandemic; new trends for online retail were also seen in a prospection for 2023.
The survey reveals consumer expectations for 2023, with a look to the future and which highlights the relationship of the Brazilian population with the purchase channels, their knowledge of the experience omnichannel, Pix and the evolution of e-commerce in the perception of Brazilians.
Current Brazilian e-commerce 4a46l
The pandemic affected different sectors of the economy and the effects were different for each of them. Some, such as events and tourism, had a negative impact due to social isolation instructions as a sanitary measure to control the spread of the virus, directly impacting a service that depends on the physical presence of its customers and consumers.
On the other hand, malls and high street stores were replaced in many cases by virtual purchases, that is, the pandemic, which had a negative impact on various sectors of the economy, caused digital consumption to grow, both in retail and in the food sector. and many others. In addition to growth, there was a consolidation of the shopping channel with the maturation of online purchases, with an audience increasingly aware of its possibilities.
According to SBVC, of the 300 largest Brazilian retail companies, 225 operate through e-commerce, which represented growth of 38,89% in the period of 2 years, when the number of companies was 162 out of 300. Likewise, in the supermarket sector the growth was more evident with a jump of 28% for 61% chains that have virtual stores from 2019 to 2021.
The search of Fiserv points out that there is a preference for online shopping for all categories, except for medicines and supermarkets. Courses, training and entertainment are the categories with the highest adherence for online purchases. According to Fiserv, the perception of experience in integrated stores is greater in the supermarket sector, according to 10% of respondents.
One of the great advantages of online shopping, according to consumers, is related to promotions and offers, ease of finding desired products, availability of information and better payment conditions. On the other hand, the main attribute of the physical store is the ease of returns.
Transformation in the means of payment market 5o1z5p
As a company that actively participates in the technology involved in the means of payment, one of the main points of the research Fiserv is the transformation with the new trends of means of payment. During the presentation, the evolution in recent years with the entry of Pix, the increase in online shopping and the current status of the market for these means was shown. Based on the data, it is possible to project a future for the coming years that should adapt more and more to new ways of buying on the internet.
The preference for Pix is one of the big news in the means of payment market in recent years. Pix is the main medium used, selected by 86% of respondents from all age groups and regions of the country. The other most used means are credit and debit cards at the POS, selected by 74%, and cash, for 64% of the interview participants. In addition, more than half say they use a credit or debit card for online purchases by entering their card details at the time of purchase.
The survey shows a preference for Pix at different socioeconomic levels. In social classes with greater economic power, there is a preference for digital wallets, credit or debit card by approach and virtual cards, while in the less economically favored classes it stands out for a greater use than the others for the use of payments at the bank branch or lottery outlets.
Pix became unanimous, being a reference in other countries, according to Giuliana Plastina Cestaro, Fiserv's director of e-commerce products for Latin America. After Pix, respondents aged over 46 prefer to use a credit or debit card inserted in the machine and in the same range there is also the option to enter card details for online purchases.
Still according to the survey, security, speed of payment and discounts are the main motivators for choosing a means of payment. This highlights the reasons for using Pix for purchases, a practical and quick method of operating with money automatically entering the recipient's .
There is still an educational work to be done by the partner institutions of the central bank with the Pix offer for greater clarity for part of the population about the new payment methods. Guaranteed Pix or Installed Pix is the novelty best known by respondents, while some new BC proposals such as recurring Pix and offline are not as well known and represent a higher rate of interest on the part of consumers.
Online retail trends in 2023 5w2v1e
- Omnichannel Experience
New market trends in the short term involve more dissemination of experience omnichannel, which consists of buying online and picking up at a physical store, which allows consumers to enjoy the advantages of purchasing through virtual means without one of the main negative points, according to the survey, which is the difficulty of exchanging the product.
Between September 2021 and 2022, 69% bought in an online store to withdraw in a physical store, while in the previous year it had stayed in 48%. In the same way, 53% of respondents bought online and exchanged in a physical store, demonstrating Brazilians' strength and predisposition for this type of purchase.
- Marketplace
In addition to experience-related trends omnichannel, there is an evident growth of the marketplace, with around 90% of over 2000 consumers interviewed by opinion box in July 2022 by replying that they usually shop at marketplaces such as Mercado Livre, Americanas, Magazine Luiza, Submarino and others.
The great advantage of marketplace This is due to the ease of operation on the part of smaller sellers, who use the structure of a larger company to carry out transactions and transport orders, while for the consumer there is a centralization of products on a single site that has a reliable system. for the acquisition of the item and easier means of payment.
- 5G in eCommerce and Data Usage
As in different areas involving technology, 5G is expected to impact many of the relationships we have with day-to-day internet use. The expectation, according to Fiserv, is due to the emergence of a new generation of retail companies with greater integration with physical stores.
In addition, with 5G there is an expectation on the part of the industry for the growth in the amount of data generated, which is currently already used as part of the process of personalizing the online shopping experience through a deep understanding of the target audience and their buying habits. . In this way, it becomes easier to retain consumers from certain retailers with attractions that please the buyer.
Finally, the research was designed to diagnose the differences according to age groups and evolutionary moments of the means of payment. This is so that, based on concrete data, it is possible to prospect the future and anticipate the technology that will be necessary for the trend to effectively occur.
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Source: Fiserv.
