José Erasmo Silva
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Data Analysis
September 30, 2026
An analysis of almost 20 million teaching positions-year between 2020 and 2025 shows how changes in population composition and record production can alter the interpretation of historical series Between 2020 and 2025, the number of formal teaching employment positions identified in RAIS (Annual Relation of Social Information), from the Ministry of Labor, […]
José Erasmo Silva

Technology
December 03, 2025
Fraudsters adapt quickly, which demands continuous evolution in protection systems. Financial fraud continues to be one of the biggest challenges of the digital economy. In 2022 alone, losses exceeded 1.2 billion euros in the United Kingdom and 8.8 billion dollars in the United States (Khalid et al., 2024). This highly dynamic environment […]
José Erasmo Silva

Data Science Analytics
Technology
September 26, 2025
Predictive approaches capture subtle behavioral patterns and allow for the anticipation of dissatisfaction signals. Customer retention has become one of the pillars for the sustainability and growth of companies in the face of contemporary competitiveness. Customer loss, or churn, represents not only the interruption of a revenue stream but also additional costs associated with […]
José Erasmo Silva

Data Science Analytics
Financial Institutions
Technology
August 05, 2025
The use of predictive models is already revealing hidden layers in the data, allowing for the identification of patterns and the anticipation of behaviors. The Brazilian economic scenario in the first half of 2025 presented an increase in default rates, a trend that has been observed since 2022 and has been a recurring concern for governments and financial institutions […]
José Erasmo Silva

Data Science
Data Science Analytics
Technology
June 09, 2025
Previously restricted to highly technological environments, predictive support now presents itself as a concrete and accessible possibility. Predictive maintenance has been gaining prominence in modern industry by allowing the anticipation of failures and the optimization of productive asset availability. Unlike traditional models, such as corrective and preventive maintenance, this approach uses […]
José Erasmo Silva

Finance
Innovation
Technology
May 23, 2025
Decentralized finance enables direct transactions between economic agents and challenges traditional intermediation models In recent years, a new financial architecture has been gaining ground on the global stage, challenging traditional banking intermediation structures. This is a movement known as “decentralized finance,” or DeFi, a blockchain-based ecosystem that allows the offering of […]
José Erasmo Silva