THE e-commerce represents the digital sales sector, functioning as a real trade facilitator by technological means, which are faster and more practical. It provides to consumers convenience of shopping without leaving home.
However, this scenario also presents financial challenges: ease of consumption may lead some consumers to get lost in their finances, generating default and financial liabilities. For the Credit Recovery sector, this represents a strategic opportunity for action, identifying and managing these risks efficiently.
Current e-commerce scenario
E-commerce in Brazil continues to grow steadily. In 2024, revenue exceeded R$ 200 billion, and the expectation for 2025 is to reach R$ 234 billion. In the first half of 2025 alone, digital sales have already surpassed the R$ 100 billion, setting a historic record and reinforcing the role of e-commerce as a protagonist of the digital economy.
Default via digital means
Increased access to credit and the popularization of digital payment methods, such as Pix and installment cards, have significantly boosted online shopping. However, this convenience has also increased the risk of financial mismanagement. Today, 42% of Brazilian adults are in default, which represents more than 71 million people with outstanding debts, with a considerable portion of these outstanding debts being directly linked to digital consumption.
E-commerce in Credit Recovery
Digitization brings new opportunities for innovation to credit recovery companies. Key areas include:
- Use of positive registration and credit scores to segment customers more efficiently;
- Multichannel billing, integrating WhatsApp, email, chatbots and apps;
- Digital service supported by artificial intelligence, ensuring greater proximity and personalization in contact with the customer;
E-commerce trends
The e-commerce sector is constantly changing. Key trends include:
- Hyper-personalization of the shopping experience, using artificial intelligence and advanced data analysis;
- Pix Consolidation, which already surpasses cards in transaction volume;
- Sustainability and social responsibility, increasingly valued by consumers when making purchasing decisions.
Opportunity for our sector!
The growth of e-commerce, combined with digital default, creates a favorable environment for credit recovery companies to act as strategic business partners. More than charging, it is essential to offer smart and sustainable solutions, such as:
- Predictive tools to identify risks and anticipate possible defaults;
- Personalized negotiations with payment facilities via Pix;
- Omnichannel strategies, which combine technology, convenience and empathy in customer service;
Sources: Apex Brasil, Edrone, CNDL
