Alexandre Pereira – Global Payment Spealist V1

I’ve been coming across a lot of articles on cross border compliance and how it is supposed to reduce friction, so I thought I would share a personal example. I lived in the US in 2022. On my way back to Brazil, I made a mistake I still think about: I chose a "modern" remittance fintech over my legacy bank. My...

Scaling globally was supposed to get easier, but fintechs are facing rising compliance costs and launch delays they only notice after expansion. Markets are growing at different speeds, and it gets more complex as you start to get into it. And that gap isn’t really closing, but stretching. AI sits at the center of this shift: sometimes it amplifies complexity, other times...

To understand the future, you have to look at the road we took to get here.The first online stores in Brazil appeared around 1995. But for a long time, online shopping was a niche.It wasn’t until 2015, twenty years later, that things started to pick up. By then, only 30% of Brazilians had made at least one online purchase.Still,...

Last week, on May 12, Sandra Martinez Espinoza and I began a trip across three Latin American countries where PPRO operates: Chile, Colombia, and Mexico. The mission was to gain insights into local payment ecosystems, engage with our partners, and identify how we as a company can better serve the global merchants we support. We started in Chile We met with Kushki,...

Welcome 2025, It's been a while since my last post, but here is my first of the year! Warning: I wrote about the same topic in Portuguese last year, but the conversation resurfaced with another friend. So here I am! An endless debate for anyone working with the payment industry in Brazil is whether Pix will eventually replace credit cards....

O Pix Parcelado promete revolucionar o mercado de crédito no Brasil e embora não tenha uma data exata para seu lançamento, o mercado estima que seja ainda esse ano, mas empresas como RecargaPay e PicPay oferecem a modalidade há algum tempo. Ambas as instituições são reguladas como Instituição de Pagamento pelo Bacen. Ainda que não sigam no modelo ideado pelo Banco...