Um parque tecnológico não termina nos limites do seu terreno

This Business Case analyzed the opportunity to expand sustainable financing operations in agribusiness through Agribusiness Receivables Certificates (CRA) linked to the Responsible Commodities Facility (RCF) model. The objective was to assess how the RCF CRA could overcome operational limitations, integrating satellite monitoring, external audits, technical eligibility criteria, and verifiable metrics, while preserving the economic viability of the financing. To this end, the causal factors limiting the program’s expansion were mapped using an Ishikawa diagram. Three strategic alternatives were evaluated, and a decision matrix indicated the most aligned one. The evaluation methodology was based on the periodic collection of operational, financial, and socio-environmental data, comparing them with an existing baseline. The analysis identified that the program’s scalability was restricted by challenges in data governance, territorial monitoring, and eligibility processes. As a result, the implementation of an integrated operational framework was recommended, focusing on the standardization of socio-environmental criteria, integration of geospatial databases, continuous monitoring, and improvement of impact reporting. The proposed solution proved to be the most suitable alternative for promoting the program’s sustainable growth, with the expectation of increasing the financed volume, reducing operational costs, expanding the monitored area under conversion-free production criteria, and strengthening institutional credibility, thereby contributing to a more sustainable agricultural financial market.

Keywords: Agribusiness; Cerrado; RCF CRA; ESG; Sustainable financing.

A copper mine in Marabá (PA) operated without a formal management process for grounding systems and SPDA (Lightning Protection System), which generated a backlog of non-conformities and threatened ISO 14001 certification, essential for revenue. The work aimed to structure a formal management model for these assets, capable of addressing the real causes of the problem. To this end, the Ishikawa Diagram was applied to identify the structural causes of non-conformities, distributing them into categories such as methods and materials. Subsequently, the GUT Matrix was used to prioritize the most critical causes, such as the absence of a management procedure and inspection plan. Five solution alternatives were evaluated using a multi-criteria decision matrix and a feasibility study. The alternative of structured and phased internal management until 2030 (Alternative 5) was recommended, obtaining the highest score (122 points), with the hybrid model serving as punctual support for external expertise in critical phases. The implementation plan envisioned five phases until 2030, including mapping and documentary sanitation, priority technical adequacy, model consolidation and expansion, and maturity. The main goal was to achieve 100% of the mapped and adequate buildings, and eliminate findings in ISO 14001 audits. It was concluded that the proposed model transformed reactive management into a proactive process, with defined responsibilities and performance indicators, ensuring regulatory compliance, technical predictability, and operational continuity of the plant.

Keywords: Grounding; Asset management; ISO 14001; Mining; SPDA.

The global pursuit of decarbonization has intensified interest in harnessing biogenic CO2, especially from corn ethanol biorefineries, which generate concentrated and still undervalued CO2. This Business Case evaluated the economic-financial viability of producing and marketing liquefied CO2 through the implementation of a capture, purification, and liquefaction unit in a corn ethanol biorefinery in Brazil. The study considered a nominal capacity of 150 t/day, analyzing the potential market, the necessary investment, operational costs, and economic results, using indicators such as Net Present Value (NPV), Internal Rate of Return (IRR), and discounted payback. The project required an estimated investment of R$ 93.4 million and potentially produced 49,875 t/year of liquefied CO2. Under the adopted assumptions, it presented an NPV of R$ 22.1 million, an IRR of 19.5% per year, a discounted payback of 10.5 years, and a break-even price of R$ 727/t. Market analysis indicated a dimension compatible with the proposed production, but highlighted the need for regional demand validation and advance contracting of a significant portion of the capacity. It was concluded that the project was economically viable, with a margin of 19.2% before the NPV reached zero, however, its attractiveness depended on the confirmation of the net selling price, the investment, and energy consumption. It was recommended to proceed to commercial validation and basic engineering, conditioning the final investment decision on the confirmation of these variables, leveraging the operational continuity of corn biorefineries to transform fermentation CO2 into a commercial product.

Keywords: Biorefinery; Liquefied CO2; Corn ethanol; Economic viability.

The conduct of monetary policy in Brazil, particularly under the inflation targeting regime, has been widely debated due to its possible impacts on inflation and economic activity. The study aimed to evaluate the effectiveness of Brazilian monetary policy, guided by the Selic rate, in controlling inflation, and to investigate its possible social costs during the period from 1999 to 2024. For this purpose, quarterly data on Gross Domestic Product (GDP), Broad Consumer Price Index (IPCA), Selic rate, and exchange rate, extracted from the Central Bank of Brazil, were used. The methodology employed a Vector Error Correction Model (VECM), preceded by stationarity and cointegration tests, and complemented by Impulse Response Function and Variance Decomposition analyses. The results indicated that inflation showed a strong inertial component, being predominantly explained by its own dynamics, while shocks in interest rates and exchange rates demonstrated a statistically limited impact on the IPCA. Additionally, it was found that GDP did not respond significantly to variations in the Selic rate, suggesting low sensitivity of economic activity to monetary policy during the analyzed period. In summary, it was concluded that monetary policy demonstrated limited effectiveness in controlling inflation, without, however, generating direct and significant social costs on Gross Domestic Product, which acts as the main driver of job creation.

Keywords: Cointegration; Econometrics; Inflationary inertia; Inflation targets; Gross Domestic Product.

The research investigated how governance mechanisms and internal controls, applied to “Legal Operations” practices, can strengthen the financial management and budgetary predictability of a legal department in a multinational company. The study aimed to diagnose critical points of the legal budget cycle, from forecasting to payment, and identify process improvements, indicators, and responsibilities between the legal and financial departments. To this end, an applied qualitative research was conducted, configured as a case study. Data collection included interviews with professionals from the legal and financial areas, documentary analysis of cost spreadsheets (2022-2024) and compliance policies, as well as mapping of the legal expenses flow. The results revealed fragilities in interdepartmental coordination, notably in the definition of cost centers and the use of budgetary control instruments. Gaps were observed in process monitoring and in the integration of information from external firms, as well as opportunities for routine automation and improvement of management indicators. Budgetary predictability was found to be impacted by exogenous factors, such as the dynamics of the Judiciary, and endogenous factors, such as the quality of information and the governance of the budget cycle. It was concluded that budgetary predictability depends on the maturity of governance applied to processes, data, and operational routines. A governance and control model for the legal budget was proposed, focusing on process standardization, strengthening monitoring, and improving decision-making, including process mapping, risk and control matrix, and performance indicators.

Keywords: Automation; Internal controls; Corporate governance; Legal Operations; Budgetary predictability.

The risk of early settlement in pre-fixed credit portfolios constituted a relevant challenge for Asset and Liability Management (ALM) in financial institutions, as it generated cash flow asymmetries and inefficiencies in hedging strategies. The work aimed to comparatively evaluate the predictive performance of traditional econometric and statistical models versus machine learning algorithms in estimating the Monthly Mortality Rate (SMM). To this end, a real database of credit operations originated between 2016 and 2025 was used, totaling approximately 500 million observations. Models such as Historical CPR, Beta Regression, Quantile Regression, Logistic Regression, Cox Proportional Hazards, and LightGBM were evaluated, with performance measured by Mean Absolute Error (MAE) and validated through temporal cross-validation with an expanded window. The results demonstrated the superiority of non-linear approaches, with the LightGBM model showing the best performance in the test period (Jan/2024 to Jul/2025), reducing MAE by 34.21% compared to the historical benchmark. Additionally, interpretability techniques based on SHAP values and survival analysis were employed to identify the contract rate spread, market rate, and bond age as the main economic determinants of prepayment. The application of the proposed model improved the accuracy of cash flow estimates and provided favorable evidence for refining the calculation of effective duration and the sizing of the institutional liquidity buffer, suggesting that more flexible models can optimize ALM management.

Keywords: Machine learning; ALM Management; Hedge; Financial modeling; Interest rate risk.

The development of iOS mobile applications can be conducted under imperative and reactive architectures, directly impacting debugging and maintenance practices. The objective was to establish the impact of architectural choice on debugging and error correction in iOS applications, evaluating the automatic detectability of failures, the traceability of reports, and the utility of logs. An experimental study was conducted, in which two functionally equivalent native applications were developed with UIKit (imperative) and SwiftUI/Combine (reactive). Four controlled error scenarios were inserted, classified as explicit crashes and silent errors. Data were collected with Firebase Crashlytics and Xcode Debugger in forty sessions, and these were analyzed by descriptive statistics and content analysis. The results revealed that, for state inconsistencies, the UIKit architecture generated immediate crashes and automatic reports, while SwiftUI suppressed the crash and produced a silent warning invisible to automatic tools. For forced unwrapping, the architecture proved irrelevant. In silent scenarios, neither architecture offered automatic observability, which highlighted the limitations of the tools. It was concluded that the reactive architecture, by abstracting state control mechanisms, reduced explicit errors but introduced silent failures with lower traceability. The architectural decision must consider the implications for production monitoring, requiring manual log instrumentation in SwiftUI/Combine projects for errors that would be automatically captured in UIKit.

Keywords: Combine; Maintainability; Observability; SwiftUI; UIKit.

Commercial management in the B2B healthcare sector faced constant challenges, requiring strategic vision and sharp attention to delivering results. The study investigated how the implementation of a CRM (Customer Relationship Management) system contributed to mitigating the loss of historical information and enhancing customer retention in the face of selling costs. A qualitative-quantitative approach of an exploratory-descriptive nature was adopted, and data were collected through a questionnaire answered by 42 professionals in the commercial area, working in the industry or in healthcare segment companies. The results revealed that, although 71.4% of respondents used computerized CRM, organizational culture imposed strong resistance, confirmed by 57.1% of professionals who relied on manual methods, such as diaries and isolated spreadsheets, for data recording and retention. A gap in training was also evident, as 24.4% of respondents rarely or never received specific training. The research inferred that the underreporting of data was not solely due to a lack of technology or technological failure, but to a deficiency in the strategic management of people and processes. The vision of the need for integrated management to generate competitive intelligence and sales predictability was reinforced, and attention was drawn to the need for more frequent training and development. Mitigating the cost of selling and enhancing customer retention depend on consistent integration between human capital and technology, generating managerial assets to increase commercial production and strategic data retention.

Keywords: Training; Sales strategy; Customer management; Strategic management; Commercial intelligence.

The growing complexity of technology projects demanded approaches capable of balancing control, efficiency, and adaptability to constant changes, as traditional management models showed limitations in dynamic environments. Technology project management was evaluated before the implementation of an agile method, improvements based on iterative practices were proposed, and post-implementation performance was reassessed, seeking to identify gains in operational efficiency and adaptability throughout the project lifecycle. The research employed a descriptive case study, with a qualitative approach, in two technology sector companies. Data were collected through structured questionnaires applied before and after the intervention, complemented by documentary analysis and systematic observation over ninety days of solution application. The results showed consistent improvement in planning flexibility, greater alignment with client needs, increased delivery predictability, and enhanced team productivity. A productivity gain was the most expressive indicator, with 85.7% total agreement on the improvement of team performance after adopting the *framework*. It was concluded that the structured implementation of the method improved the management of the analyzed projects, reinforcing the capacity to respond to changes and promoting greater business value generation.

Keywords: Organizational adaptation; Incremental delivery; Agile management; Iterative planning; Team productivity.

Ao aproximar competências e acompanhar resultados, sua contribuição alcança também organizações que não estão fisicamente instaladas nele Um parque tecnológico é um lugar de encontros. Nele, uma empresa pode encontrar o conhecimento necessário para desenvolver uma solução, um pesquisador pode descobrir uma aplicação para seu trabalho e um empreendedor pode conhecer o parceiro que faltava […]

Following the promulgation of the end of the 6×1 shift system, the debate on the shorter workday moves to implementation and requires distinguishing social benefits from economic costs. The end of the 6×1 shift system transitioned from legislative discussion to a constitutional change in Brazil. On October 16, 2026, the National Congress promulgated Constitutional Amendment No. 141/2026, originating from Proposal […]

When answers become easy, learning comes to mean more than just arriving at them. Why do I need to learn this if I can ask an artificial intelligence? This type of question has accompanied education for decades. Why learn an operation if a calculator exists? Why memorize information if it can be found […]

How different marketing treatments for men and women are incorporated by consumption taxation Imagine a shelf on which two razors of the same brand and intended for the same purpose are displayed side by side: one has dark packaging and promises strength, precision, and efficiency; the other comes in shades of pink or […]

Why is innovation not enough to drive changes in organizations and health systems Digital transformation has become a strategic priority for health systems worldwide. Electronic health records, artificial intelligence, telemedicine, remote monitoring, and data analysis are now part of the strategic agenda of governments and health organizations. Paradoxically, […]

A real-life consumer intelligence case shows what gets left out of the brief A few years ago, an American insurance company hired a specialized consumer intelligence firm to answer three questions: The insurer was also considering launching paid insurance in bitcoin. At the time, the consultancy’s workflow was as follows: the analyst created a query […]

Why, for certain students, does school manage to offer so few experiences of achievement? The World Cup is over. Brazil left the competition, the school holidays came, the final was played and the football calendar moved on. It would be reasonable to imagine that, with the end of the tournament and the return to classes, […] would also begin

Brazil needs to invest in the capacity to transform natural resources into innovation, productivity, and development. Talking about energy is talking about development. Behind industry, transportation, services, cities, and increasingly artificial intelligence, there is an energy infrastructure that sustains the economy. Understanding a country’s energy matrix is understanding […]

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, […]

Efficiency in managing taxes facilitates governance and allows for the organization of family succession. Rural wealth organization has become a strategic measure in light of the tax reform in Brazil, which came into effect this year. The planning of activities and rural wealth management, through tools such as the transition from an Individual to […]

According to Microsoft, 75% of professionals already use artificial intelligence at work without company approval. The use of generative artificial intelligence is already part of the corporate routine. Tools like ChatGPT, Copilot, and other platforms help professionals produce texts, analyze data, create presentations, and accelerate tasks in practically all sectors. But this advance […]

Academic interest reinforces the projection of scenarios as an essential tool for decision-making. While some companies are still trying to get the next step right, others are already working with multiple possible futures — and preparing for all of them. But after all, what does it mean to “think about the future”? Is it a trend, a strategy, or a new competence that […]

Pecege commands the executive operation of the 400 km ecosystem activities that became known as the Brazilian agro Silicon Valley In 2025, in addition to taking over the management of the Piracicaba Technology Park, the Pecege Institute was also designated to command the executive operation of the State Agribusiness Innovation Corridor activities, the so-called […]

New management of the Piracicaba Technology Park offers consulting to MBA graduates The new project director of the Piracicaba Technology Park (PTP), Alexandre Barreto, often says that one of the greatest rewards he has ever had in life was seeing his MBA USP/Esalq students structure companies from their final projects […]

Critical thinking and creativity are irreplaceable in the work of a marketing professional Artificial Intelligence (AI) is capable of incredible feats, but it does not yet possess the judgment, empathy, intuition, and strategic creativity necessary to do the job of a good marketing professional. In this area, it is important to know how to use the tool to automate […]

Santa Clara balances social and environmental responsibility with innovation Founded in 1911 by Italian immigrants in Carlos Barbosa, in the Serra Gaúcha region, Cooperativa Santa Clara is an example that it is possible to balance economic growth with social and environmental responsibility. From a small cheese production company, the organization has evolved into a […]

With a herd of over 200 million head of cattle, the country is currently the leader in exports. Brazil recently received, for the first time, the certification of country free of foot -and-mouth disease without vaccination, conferred by the World Organisation for Animal Health (WOAH). The seal strengthens the country’s position as a reliable supplier of meat for the […]

Instituto Pecege assumes management, betting on the creation of new businesses Starting in 2026, Instituto Pecege will assume the management of the Piracicaba Technology Park (PTP). Among its responsibilities will be the administration, operation, maintenance, and expansion of the park, in addition to fostering activities in innovation, entrepreneurship, and science and technology. The choice was made […]

Mônica Alessandra Guerios; Maria do Carmo Assis Todorov Abstract generated by ResumeAI, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. Architecture and urbanism are configured as essential bases in an increasingly complex and challenging urban space, where the intrinsic connection between social, environmental, and technological issues […]

Isis Penelope Sumarelli Albuquerque Huang; Vítor Melão Cassânego Abstract generated by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The growing complexity of agri-food supply chains, driven by globalization, has generated an intensified demand for transparency, security, and traceability in food systems. The integrity and authenticity […]

Adriana Ehiar Ribeiro Petry; Ana Carla Fernandes Gasques Abstract prepared by ResumeAI, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The expansion scenario in the Brazilian market, although promising for consumer goods companies, presents significant challenges that require a strategic and adaptable approach. With a population […]

Yashmin Meirelles Oliveira Araujo; Gilmar Martinelli Junior Abstract prepared by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The Brazilian economic scenario is markedly influenced by the expressive representativeness of family businesses, which constitute approximately 90% of the country’s enterprises, according to PwC (2023) data. Within this vast universe, […]

Wesley Araújo Martins; Odair Silva Soares Abstract prepared by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The operational sector of a company specialized in technical field services, operating in the maintenance of power transformers in industrial environments and energy utilities, faces significant challenges related to […]

Vitor Luis Genaro; Felipe Carvalhal Abstract generated by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The technology consulting market demands increasing operational efficiency from organizations, combined with analytical capacity and speed of customer response. In this dynamic scenario, the pre-sales area assumes […]

Vitor Conceição Faria; Ewerton Mauro Visotto Faria Abstract elaborated by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The contemporary business scenario, marked by high competitiveness and accelerated digital transformation, imposes complex challenges on companies, especially small and medium-sized ones. Many of these organizations, although engaged […]

Vinícius Nascimento Garcia; Ana Carla Gasques Abstract generated by the ResumeAI tool, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The state public development agency faced a scenario of reactive and fragmented development of its credit lines, characterized by low data usage and the absence of governance […]

Vinícius Andrade de Carvalho; Ewerton Mauro Visotto Faria Abstract generated by ResumeAI, an artificial intelligence solution developed by Instituto Pecege focused on synthesis and writing. The demand for outsourcing services has experienced remarkable growth both in Brazil and globally, driving companies to expand their outsourced operations. Reports such as the “Global Outsourcing Survey […]