The Future of e-Commerce are the United States and China

The Future of e-Commerce are the United States and China

One of every two human beings on the planet, currently, is regularly connected to the Internet. Half, two billion people, live in Asia. And China, with seven hundred million Internet users, leads the world ranking. In 2007, China had as many Internet users as the United States. Now, more than ten years later, it has the double

In 2018, at least 1.6 billion people will make an online purchase. And half of them will be made in Asia. However, in relative terms, only developed countries have 50% or more of the population that usually buys over the Internet. Denmark, Germany or the United Kingdom reach 80%. And in Latin America, for example, the regional leader in Brazil, with barely 25%.

Online retail sales represented, among other traditional channels, 10% of the total in 2017. By 2021, however, this percentage can end up reaching 18 %, almost five billion dollars (with twelve zeros). And global sales of fast consumer goods, or convenience, will reach 150 billion dollars by 2025, according to data from the Institute of China Electronic Commerce Center, revealed to DIRECTORS.

According to CB Insights, the countries that offer the best conditions to retail electronic commerce (in terms of size, consumer attitude, growth, and infrastructure); They are United States, China, United Kingdom, Japan, and Germany. However, among the top twenty is also Spain (18), along with another Latin American country such as Mexico (17).

Within the infrastructures chapter, they get the highest score Hong Kong or Singapore, which act clearly as hubs to re-export (especially to the booming Asian market). But, according to the World Bank, Panama or any other Latin American country is among the first thirty nations with better logistics infrastructure for the e-commerce sector; while Singapore or Hong Kong is now “top – ten”.

The five e-commerce multinationals with the largest revenues, within the retail or business-to-consumer segment (B2C), are Amazon,, Apple, Alibaba, and Walmart. JD is the first Chinese, doubling in revenue to Alibaba, as the latter is a business essentially business-to-business or B2B (no retail or B2C). Alibaba, however, seeks to increase the share of its international retail sales over the total, which now barely reaches 6%.

In Latin America, far from the “big five”, the leading e-commerce companies are B2W, Cnova, Netshoes or Saraiva, among others, all of the Brazilian. Brazil, with 38%, leads Latin American retail sales in e-commerce. Mexico, with sales of around 8 billion dollars, maintains a 19% share. And the third in discord, far from the rest, is Argentina (8%).

In China, by comparison, electronic retail sales amounted to 105 billion dollars (a quarter of the total of all transactions, both online and offline). And the first electronic export market destined for final consumption was Japan. Towards the United States, for example, the Japanese export almost two billion dollars a year through e-commerce.

In total, international transactions within electronic commerce, B2C segment, amount to 190 billion dollars. According to the UN, this figure will multiply to almost two trillion dollars in 2021. And the country that offers the best prospects for retail electronic commerce, in Southeast Asia, is Indonesia (it expects to increase its volume up to 2021).

China has 44% of the applications of the segment known as “collaborative economy” worldwide. The growth of all these tourist, educational, health or transport services, called online-to-offline or O2O, will also contribute significantly to the growth of e-commerce in China. Private consumption is, for a long time, a new reality that no one should ignore in China. It already exceeds 50% in the proportion of GDP. And, at this time, it contributes 60% to the GDP growth rate.

Annual eCommerce study 2017 conducted by SEMrush

By way of summary, the most important findings of the study carried out by SEMrush were the following:

  • The most significant source of traffic in the eCommerce sector, with 42.1%, is direct traffic.
  • The desktop devices have more presence than the rest of the elements.
    Most eCommerce businesses do not invest in paid advertising.
  • The electronics category is the undisputed leader in the PLAs formats.
  • The eCommerce industry in the United States leads the international market with 42.9% of organic traffic, followed by countries such as the United Kingdom, Germany, and France.
  • ” Free shipping ” is the most popular keyword used in ads in English-speaking countries, such as the United States and England.
  • In Spain, the discount that is most offered in eCommerce is 70%.
  • The study, SEMrush has shown that e-commerce strategies and customer behavior vary widely across sectors and countries. Therefore, adapting the strategy to local markets is a key step in international positioning.

To help companies in the online retail sector to understand the characteristics of each of the markets, SEMrush has compiled different tips and opinions from eCommerce experts, who give their point of view on the reality of e-commerce in some of the main markets. Worldwide. Let’s see some of the most interesting!

Does eCommerce Harm or Benefit the Globe? The Amazing Growth


Online shopping soars and several studies disagree on whether they affect more or less the environment than the traditional retail model.

More and more people are distributing things on our streets, from clothes to mobile phones, from records and books to furniture or precooked food. They do it in trucks, vans, motorcycles, electric bicycles or not, even on a scooter.

Ecommerce does not stop growing and the consumption, often compulsive, of what is so attractive that is offered on their screens, under the promise of rapid delivery , is a temptation to which millions of people throughout the world succumb daily world.

The undisputed leader of the sector, Amazon, proclaims on its website that “Online shopping is intrinsically more environmentally friendly than traditional retail.” But that is not so clear. It would be necessary to analyze case by case, and, although there are arguments that support this affirmation, there are also, and more than abundant, that point in the opposite direction.

What does not admit discussion is that to go on foot to buy products of proximity in the market or the store of the neighborhood is the best option for the planet. But, since the other models exist, it is worth analyzing which one is the least bad.

And finding the answer is really complicated, given the disparate conclusions of the still few existing studies, often commissioned by one or another sector of the distribution. For the moment, it seems undeniable that more purchases on the internet involve more delivery vehicles traveling more kilometers through the cities , which results in an increase in polluting emissions. And many more packages, often absurdly excessive.

But there are also advantages that allow saving energy and pollution, such as the disappearance of physical stores, with their needs for electricity, heating or cooling , transportation of their employees and travel, often in private vehicles, of customers, especially when we talk about large shopping centers (to which the new digital model is condemning closure in more and more cities). And that without counting the environmental impact of the building itself. The question is whether one thing compensates – environmentally speaking – for the other.

A study by Deloitte Consulting, do purchasing behaviors affect sustainability? a couple of years ago he concluded that the physical purchase has an impact of 7% less than the purchase online measured in terms of carbon footprint, mainly due to the enormous need for logistics of electronic commerce, its greater amount of transport and packaging, and the high energy consumption of the servers.

Less Unnecessary Packaging

Among its main conclusions are the obvious that traveling to the mall as a group reduces the environmental impact per product purchased and that the packaging for online orders (corrugated cardboard boxes, bubble wrap) have a higher environmental impact than plastic bags. or paper that consumers bring from stores.

But also that the volume of returns in electronic commerce, which generate a greater traffic of vehicles, is much higher: 33% of items purchased online is returned , compared to only 7% in the case of purchases made from face-to-face before a dependent can see and even touch the product before paying for it.

It must be taken into consideration that the study was disseminated by The Simon Property Group, which has numerous shopping centers around the world. Its director of sustainability, Mona Benisi, affirms not without reason that “in a time when consumers demand faster deliveries every day, which requires more resources and fuel to meet, it is likely that the negative impact of online shopping will worsen “

In contrast, Carnegie Mellon University (Pittsburgh, United States), specializing in electronics and robotics, came to the opposite conclusion: buying online is less harmful to the environment, because the impact of construction and energy needs are eliminated and of the individual transport of the personnel and the clientele of the physical stores.

The considerable consumption of paper and ink from traditional commerce is also greatly reduced . And the impact of transport to the home is less than the much less efficient, energetically speaking, road traffic of individuals coming in their private cars to make their weekly purchases.

The Green Design Institute of this university ensures that electronic commerce reduces energy consumption and carbon dioxide emissions by up to 35% . But in this case we must also assess that the study was done in collaboration with the online retailer, with whose data the analysts worked.

Although, “obviously, same-day delivery and other tight delivery schedules make it more difficult for the delivery company to combine shipments in the same neighborhood, which increases the distance traveled per item.and, consequently, the carbon footprint “, as do the returns, says Patricia van Loon, a researcher at Viktoria Swedish ICT, a Swedish non-profit institute focused on sustainable mobility.

Another positive impact of the Internet would be that, thanks to platforms such as eBay, millions of people sell used items, mainly clothing, books and all kinds of household items, which before this way would have ended up in the waste containers. This has allowed to endow many consumer goods with a longer lifespan , reducing the impact of the manufacture of new ones.

In addition, several transport companies are betting on the electric vehicle to cover part of its distribution network. UPS already has 1,500 electric vans, and DHL plans to work with the same mobility system. Tesla recently introduced a powerful electric truck. Although as always nothing is white or black before congratulating you would have to analyze the origin of the current that will charge your batteries.

“Unfortunately, there is no conclusive answer to the question of whether shopping online or in stores is better for the environment,” admits Dr. Van Loon. “Electronic commerce generates lower total emissions because customer trips are considerably reduced , but each situation is unique, so you can never say that electronic commerce is always better for the environment,” agrees Alexis Bateman, of the Center of Transport and Logistics of the Massachusetts Institute of Technology (United States).

Amazon vs. Alibaba – The Clash of Two Business Models

Amazon vs. Alibaba

Alibaba is often touted as the Chinese Amazon, and in terms of dominating online commerce, it is. However, the business models of these two companies are very different. Indeed, Alibaba does not consider itself at all as an e-commerce company.

Alibaba is often touted as the Chinese Amazon, and in terms of dominating online commerce, it is. However, the business models of these two companies are very different. Indeed, Alibaba does not consider itself as an e-commerce company at all. Keeping this in mind, Charles Sunnuncks, assistant manager in Jupiter’s Emerging Markets team, highlights the key factors that differentiate these two giants.

Support More Than a Small Business Competitor

First of all, the positioning of each of these companies is fundamentally different. While Amazon seeks to sell the majority of its products directly to the end consumer, competing with smaller brands, Alibaba is simply positioning itself as a platform that connects merchants and consumers as well as major brands and distributors. As Jack Ma, the founder of Alibaba, explains: “The difference between Amazon and us is that Amazon is like an empire – they control everything by themselves, they buy and they sell … we want more to be an ecosystem. “

Make Money with a Free Platform

The monetization of models is also very different. Amazon’s direct sales activity is that of an online supermarket – buying at a low price and selling at a high price – and sales that take place on its platform give rise to a percentage commission. In contrast, Taobao (one of the nuggets of Alibaba) uses an advertising model that is more like that of Google insofar as it is mainly to monetize the 7 million active sellers.

It is a sustainable source of income. In contrast to what is happening in the West where the online shopping experience is split between a search site (eg Google), the merchant site (eg Amazon) and the payment platform (eg Paypal ), Alibaba centralizes the entire online shopping experience. Consequently,

Expand the Target Market

The third point that sets them apart is how each of these companies chose to approach the ordinary goods market, a priority for both companies. Although this market is characterized by the fact that these are items with a low unit price, the high purchase frequency, the low cyclicality and the greater customer loyalty give it a very profitable profitability.

Interesting. Amazon has rushed in with AmazonFresh and a clean brand “AmazonBasics” that offer simple products ranging from batteries to cat litter. Alibaba chose a different approach. The proportion of online purchases in China is in the order of 15%, double the US figures. It has put in place a new strategy called “New retail” whose goal is to make “online” the remaining 85% of the trade that remains “offline”. For example, Alibaba has rolled out its Hema stores, a chain of about 20 stores in China, whose purpose is to serve customers living within a 3-km radius.

Thanks to Alibaba’s application users can order a food delivery or pick it up themselves at the store. This has proven to be a very good way to integrate quickly into local communities, and this is a concept that Alibaba wants to eventually franchise throughout China. Thanks to Alibaba’s application users can order a food delivery or pick it up themselves at the store.

This has proven to be a very good way to integrate quickly into local communities, and this is a concept that Alibaba wants to eventually franchise throughout China. Thanks to Alibaba’s application users can order a food delivery or pick it up themselves at the store. This has proven to be a very good way to integrate quickly into local communities, and this is a concept that Alibaba wants to eventually franchise throughout China.

The Consequences of These Differences

The differences in these business models are beginning to bear fruit, and mainly in favor of Alibaba. Its e-commerce business has much higher operating margins, a much lighter infrastructure and requires less and less investment as sales grow.

In addition to this, compared to Amazon’s, Alibaba’s sales are much less dependent on the growth of the site in terms of the gross value of the goods (in other words, the number of transactions made on the platform). On the other hand, Alibaba’s sales are much more dependent on its ability to take more space in the cost centers of its customers. In 2018 for example,

Beyond the Trade

In the future, these two companies will continue to innovate and evolve. One of the pillars of their respective strategies is development beyond trade, for example in finance or the media. In many fields, they can boast of having a long-term structural advantage given the low cost of customer acquisition and their ability to quickly collect a lot of customer data to better personalize their experience. In addition to consumer services, Amazon and Alibaba are also beginning to advance their pawns on the corporate side. They are already competing for marketing, resources and logistics expenses,

In short, if these two companies serve the same market and have similar aspirations, their approaches to e-commerce are totally different. So far, they have done everything to avoid a direct confrontation, however, the pool of structurally underserved geographical areas in e-commerce is declining rapidly, so it’s only a matter of time before two models do not collide.

For investors, the question is no longer simply whether they should own these companies or not, but also how other companies in the portfolio will adapt to such a changing business environment. This will continue to create a variety of opportunities and risks that are very diverse in emerging markets,

5 SEO tips to improve the SEO of your online store

e-commerce seo

If you believe that attracting customers to your physical store is a challenge, know that giving your online store enough visibility to find it can be even more difficult. With a large number of ecommerce sites competing for buyers’ attention and offering similar products, you need to make sure your online store stands out. This is where SEO comes in.

What is SEO and how to optimize your SEO?

What is search engine optimization (SEO)? It’s the process of getting a higher ranking on search engines (such as Google, Yahoo, or Bing) for a website, through unpaid search marketing or what we call “organic” efforts “.

When a person types a keyword or phrase in a search engine, it generates a list of web pages that are sorted so that the most relevant results appear at the top of the page. The top of the results page displays paid ads followed by organic (or unpaid) search results.

The bottom line is to understand that internet users tend to click more on the results found on the first page of google so you want to make sure that your site appears in the first results.

By making SEO changes to your online store, users will be able to easily find your site on the search engines. How can you use SEO to improve your e-commerce site? Just follow these basic tips:

Tip # 1: Invest in Keyword Research

Imagine that you own a pet store that sells all natural cat and dog foods. You finally open an online store because you want to sell both in-store and online. However, there are already thousands of competitors more visible than you. How to differentiate yourself from your online competitors?

Your SEO keywords are the keywords and phrases on your website that help users find your site on Google, Yahoo or Bing. For example, if you want to optimize for the keyword “iPad” in the title and body of your web page, you should include your keywords on your page in a consistent and natural way. This will help Googlebot (bots) better understand the content of your site. Later, Google will rank your site better and users will be able to find you more easily.

Conducting keyword searches for your website is just one of the first steps you need to follow in order to be found by your potential online customers. What is keyword research? This means finding phrases or keywords that you use to describe your products online. They are based on research volume, level of competitiveness, and other criteria.

By writing your content with the most relevant keywords for the products or services you are selling online, you will be able to help potential customers better find what they are looking for. There is a wide variety of tools made for keyword research that you can use online:

Google Keyword Planner

Google Keyword Planner is a keyword planning tool. The tool gives you the level of competitiveness of search terms, the average amount of monthly searches that keywords receive, as well as new suggestions for phrases you have not thought of.

You can also search for keywords and filter them by language or country to see how they vary. For example, for the keywords “natural dog food” and “organic cat food”, you can see below that they are highly competitive and highly sought after among users. Once you have chosen the keywords you want to use, Google Keyword Planner allows you to add them to your list and download the file.

Another interesting aspect of the Google Planning Tool is the Ad Group Ideas tab. With this feature, Google suggests different variations of the original keywords that you have searched for, giving you endless possibilities for new terms. These keywords can be used not only for your online products but also for the content of a website or blog.

Using the list that you have downloaded, you now know which keywords people are looking for the most, and then you can adjust the description and product names on your site with the new keywords.

Amazon Suggest

Amazon Suggest is another way to search for keywords to add to your list. It simply suggests search terms that often appear, so that you know the most relevant and popular ones.

Tip # 2: Write Relevant Blogs

Finding the right keywords for your products is just the beginning of creating your online store. You will also need an ecommerce platform that has blog features and allows you to view your publications easily. By posting blogs and engaging content, you can build a personal relationship with your users and improve your search engine rankings.

The more visitors you have on your website, the more Google sees your site as credible, thus moving you further to the top of the results page. By posting relevant and engaging blogs on your website regularly, you can increase traffic and even sales online.

For example, with a useful and relevant article about a dog food recipe, you give yourself an opportunity to see users who are specifically looking for it to land on your site, and possibly buy a product. Writing tips and articles not only helps you keep in touch with your customers, but also helps you earn points with Google search engines.

Tip # 3: Optimize pages with Titles and Meta tags

Optimizing your web pages with titles and metadata not only allows Googlebots to crawl and index your pages faster, but also allows you to better promote your online store in organic Google results. What exactly are titles and metadata?

Meta title

A meta-title describes the name of your online store and what you sell. It’s a 60 to 70-character title displayed on the results pages. In this case, the title is “Organic food for cats and dogs | Natura Pet Foods “.

Meta Description

A meta description is a short text of about 160 characters that summarizes the content of a page. In this example, the meta-description is “Natura Pet Foods offers natural food for cats and dogs. Get a free sample for your pet today! “. Be sure to also include a call to action that will encourage users to make a purchase or try your product.

Meta Keywords

Meta keywords are search terms for which you want to be found by search engines. By inserting your targeted keywords into the meta keywords box on each page, you can easily view the content for users who are searching for your products online. Most e-commerce platforms have a feature that allows you to add them.

Implementing your own titles, keywords, and descriptions on the pages of your website are necessary to be found online. With an integrated e-commerce SEO tool, you can easily create headings and product descriptions giving your online store what it needs to be found at the top of the search engines.

Tip # 4: Be present on social networks

Social networks play an important role in promoting your online business. In fact, there are different ways to use social networks to help you develop your online store. However, they do not do it alone: you need content marketing, SEO and social media must be used together for a winning strategy.

Social media and content marketing can help your site rank on search engines. Assuming many readers share your blogs on Facebook or Twitter, Google will start promoting your website and move your site to the top of the rankings. Here’s what you need to keep in mind when writing content for your customers:

Understand your target market

It is important to identify your target market as this will define the type of content you will publish. The creation of personas buyers is a great way to start. Think about your audience: how old are they? What interests them? In which sectors do they work? It’s important to identify the type of customers who may be interested in your product so that you can write custom content. Your customers will be much more likely to share your blogs, this will increase your ranking on the search engines.

Share first, sell later

When customers are looking to buy a product, they do not want to hear an arrogant sales pitch. So, how can you sell your products without running away from your customers? Instead of trying to sell them something, try to find a solution to their problems and create useful content around it.

Fortunately, thanks to search engines, it’s easy for people to find information available online for free. If you can show them how your product can help them and meet their needs, they will be more inclined to buy your products.

Tip # 5: Track your e-commerce sales with Google Analytics

You’ve imported all your products, searched for keywords, and set up all your social networking accounts. What else do you have to do? One of the most important tools you need to manage your e-commerce effectively is a system that tracks your site traffic and online sales. Without any form of e-commerce tracking, it would be almost impossible to know the level of success of your online efforts.

Google Analytics and E-commerce Tracking

Implementing Google Analytics UA code on your site is the first step to take. With the identifier in place, you can see usage data for your websites such as sessions, traffic source, bounce rate, landing pages and more. You can also see which landing pages receive the most traffic and make changes to those pages.

For example, you observe the data collected on Google Analytics and you notice a small percentage of traffic to your product page. To increase your traffic, you can add more detailed product descriptions or even make changes to the way your articles are displayed on this page.

You can then test it for a few weeks and see how these changes have affected your traffic, sales, or bounce rate. By testing what works and what does not, you can dramatically increase the amount of organic traffic to your website.

Once you’ve implemented Google Analytics code on your site, the next important step is enabling and configuring e-commerce tracking. Setting up the e-commerce feature on Google Analytics allows you to track the transactions your customers are making.

It also gives you an overview of your product revenue, the number of products sold on a specific date, the number of purchases made and much more. With this feature, you can easily find out which products are selling well, which ones are not selling well and you can see the maximum ROI on your e-commerce site.

Reporting dashboards

Many e-commerce platforms offer built-in reporting tools that make it easy to track sales. With a reporting tool for your robust e-commerce, you can generate sales data, customer information and product data – all on a dashboard. As the owner of the shop, you can also check your statistics on:

  • The number of visitors and orders
  • The average size of orders
  • Stock rotation
  • Your most popular forums
  • Popular forum posts
  • Much more!

Having your online store equipped with a reporting tool gives you the opportunity to track the progress of your sales, but also to see if your web pages are well optimized.

Now that you have basic knowledge of how to use SEO, social media and content marketing, you can start updating your online store to rank higher than your competitors.

Millions of People are Expected to Make Purchases for Easter

69% of Brazilians intend to buy on the date and 91% will do price research. Chocolate bars are already the option of 48% of consumers. Average purchase spend will be $ 135.

A very important commemorative date for most Brazilians, Easter must move trade by the end of the first quarter of the year. An estimate by the Credit Protection Service (SPC Brasil) and the National Confederation of Shopkeepers (CNDL) shows that approximately 103.9 million Brazilians are expected to make purchases for the occasion.

According to the survey, 69% of consumers intend to buy or have already bought gifts and chocolates for Easter 2018 – a percentage higher than the purchase intention reported in 2017 (57%). Only 12% do not want to go shopping this year.

Among consumers who will be shopping at Easter, most (41%) report their intention to spend the same amount last year, while 36% will spend less and 15% say they will spend more. Among these, justifications include the desire to buy more products (57%), the fact that prices are higher (37%) and believe that the products are priced very well and worth taking advantage of (29% ).

Those who spend less justify their decision by saying that they want to save money (48%), that prices have risen too much and that monthly income has not kept pace with the increase (46%) and because they do not want to make debts (31%).

The survey by SPC Brazil shows that about 44% of consumers intend to buy the same amount of products as at Easter 2017, 31% intend to buy more products and 14% buy less. The average expected purchase is five products and the average total cost, R $ 135.03.

For 41%, prices are more expensive. 91% will do price research. Chocolate bars already an option for 48% of consumers

The survey also reveals that 41% of consumers heard have the feeling that prices for Easter products are more expensive this year than in 2017 – a percentage that was 56% in the survey last year.

For 31%, the figures are in the same range and only 9% believe in lower prices. The survey also showed that a majority (91%) of buyers intend to do price research before taking eggs or other products home, with supermarkets (76%), sites (52%), in shopping malls (38%) and street stores (34%).

Six out of ten consumers want to buy chocolate eggs (61%), while 51% prefer bonbons and 48% prefer chocolate bars. Among the latter, the main reasons for preference are because the celebration is more important than the shape of chocolate (50%) and because they find bars and bonbons cheaper (39%).

Among those who want to buy homemade chocolates, the main reasons are to consider that they are more personalized (30%), consider that the quality of chocolate is better (22%) and help people who sell informally (19%).

“The Brazilian consumer has already learned that the price variation of Easter eggs is huge and could be close to 100% in some cities, according to Procon. So going shopping at the first store that appears is a serious mistake.

Ideally, if you plan ahead, use the internet to research and only make decisions once you have seen the prices charged at various establishments. Finally, it is valid to reflect: is it even necessary to buy eggs, or is this just another symbol of consumption? Often chocolate in other formats, such as the bar, for example, comes out much cheaper for the consumer.

But in any case, if the person makes a point, you can get homemade or homemade eggs, which are more important and can also be good gifts. ” – evaluates SPC Brazil’s chief economist, Marcela Kawauti.

As in the past year, the children will be the main recipients (59%), followed by the spouse (42%), the mothers (37%) and themselves (35%).

The majority must pay in cash. 50% intend to go shopping the week before Easter

Cash payment will be the most used form of payment this Easter, whether in cash (63%) or in debt (38%). Another 25% will pay in the credit card in a single installment, while 22% will prefer the credit card installment. Among those who will opt for installment, the average will be 3.5 installments.

At the moment of going shopping, the factors that weigh on the Brazilian’s choice are not different from those used in most consumer situations. Basically, when choosing the place of purchase, people are looking for the price (53%), product quality (52%), promotions and discounts (45%) and product diversity (36%). Among the main shopping, places are supermarkets (73%), directly with people who make eggs and chocolates at home (25%) and in shopping malls (25%).

Although they already know where to shop, most people do not seem to be willing to take action in advance: 50% intend to shop the week before Easter and 31% will have done so by the third week of March. Considering the place of celebration, one observes its family character and 54% intend to spend Easter at home, 13% in the house of relatives and 13% in the parents’ house.

The survey also indicates that eight out of ten consumers intend to buy fish for the occasion (80%).

30% should attend “secret-friend” at Easter

One practice that has become common in recent years is the “chocolate-friend”. This year, 30% of the people interviewed intend to attend, increasing to 41% among the youngest, mainly because they enjoy social events (15%) and because it is a good way to give away less money (9%). On the other hand, 48% do not want to participate, mainly because they do not like the joke (35%) and because they are currently out of money (13%).

Among those who want to participate in Easter chocolate friend, the average is 3 participations. Considering the environment and the people with whom the joke will be made, 56% will perform the chocolate-friend as a family, 49% among friends and 45% among co-workers. Four out of ten people will participate (40%) intend to spend between R $ 26.00 and R $ 50.00 with each secret friend’s gift, and the average spend will be R $ 45.74.

“Why not make the joke an opportunity to save money? It is not hard to remember that we are coming out of a long recession and that many families are on a cost containment basis. Instead of having to buy eggs for several people, the chocolate friend allows spending to be concentrated on a single member of the family. At the same time, nobody is left without the gift “, says the financial educator of SPC Brazil and the portal My Happy Pocket, José Vignoli.

7% got their name dirty because of last Easter. 14% usually spend more than their finances allow on purchases

Although avoid buying gifts on commemorative dates may be an alternative to save and put the budget in order, for part of the interviewees, this is not a choice: 14% of those who go shopping on the date this year admit that they usually spend more than their finance allow for gifts at Easter and 6% will even stop paying some account to buy chocolates or products this year.

Another data that inspires concern and denounces the reckless behavior of some consumers is that 7% of those interviewed who made last year’s Easter purchases were called dirty because they did not take their purchases. Among those who will be presenting in 2018, one third (33%) acknowledge that they have at least one account in arrears and 31% are with the CPF enrolled in delinquent registrations.

“Like any other commemorative date, Easter is subject to all marketing and advertising mechanisms to stimulate consumption, as this is an important date for trade. So people often end up giving in to consumerism and exaggerating spending, “says Kawauti. “If the consumer is prepared, if he has set aside an amount to spend on Easter, that is fine, as long as that does not prevent him from making more important financial commitments, as well as saving money for contingencies. What is not recommended is to make debts or stop paying bills, with the intention of buying eggs, bonbons, etc., “warns the economist.


The survey initially heard 859 consumers of both genders, aged over 18 and all walks of life in the nation’s 27 capitals to identify the percentage of people intent on spending at Easter. To evaluate the purchase profile, we considered 600 cases of the initial sample.

China Continues to Promote Green Express Delivery


In recent years, with the rapid development of e-commerce in China, the development of express delivery services has exploded. According to the latest data published by the State Post Office of China, the volume of express deliveries in the country reached 40.1 billion parcels in 2017, up 28% year-on-year, ranking fourth in the world for four consecutive years.

At the same time, messaging packaging and take-away packaging are used in large quantities and waste pollution has become a social concern. Based on the standard of 0.2 kg for each package sent by the courier industry, solid waste produced in one year exceeds 8 million tonnes.

To improve recycling, it is necessary to promote the use of green packaging in the express delivery industry without delay. During this year’s two parliamentary sessions, some MEPs suggested improving laws and standards as soon as possible to promote and popularize the green packaging industry.

In February of this year, a “Provisional Regulation on Delivery Services in China (Draft)” was adopted. As the first administrative legislation for the express delivery industry in the country, this regulation has established a system oriented towards green production and consumption for the express delivery industry.

Last year, China also published “Guidelines for the Collaborative Promotion of Green Packaging in the Express Delivery Industry”, which proposed to increase by 2020 the proportion of degradable materials in green packaging. at 50%, to globally eliminate heavy metals and other special substances exceeding the standards in packaging materials, and to essentially complete the construction of Currently, the proportion of electronic mailing slips used by Chinese express delivery companies reaches 80%.

Compared to the traditional express bill of lading, the amount of paper used for this type of document is reduced by more than 70%. The adhesive tape used is thinner and narrower, and the amount has been reduced. The amount of tape used for a single shipment has decreased by 1/3 from one year to the next.

Meanwhile, China Express, Yunda, and other Chinese express delivery companies have launched green recycled canvas bags. This kind of canvas bag can be reused for 4-6 months. On average, the rate of use of a canvas bag is 100 times greater than that of woven bags previously used.

The company Cainiao, its logistic partners and traders jointly launched 20 “green warehouses”; all shipments from these green warehouses use delivery boxes without tape and 100% biodegradable mailbags. For its part, Jingdong launched a recyclable drawstring bag and Suning launched a total of 50,000 express boxes shared in 13 cities.

Some MEPs believe that the government and companies are increasing their awareness of green packaging, encouraging users to participate in the recycling of packaging messaging and green packaging through an incentive mechanism, and constantly raising awareness of green issues.

Ten cities like Beijing, Shanghai, Guangzhou, and Shenzhen have set up recycling activities for express mailboxes, which allow consumers to ask for 10 trees by donating 10 cartons. Once the old cardboard has been disinfected and processed, it will be converted back into packaging and reused.

Ten Essential Rights of Consumers in e-Commerce

Ten Essential Rights of Consumers in e-Commerce

The way in which it is purchased has changed intensely in recent decades and with it the profile of the consumer. March 15, Consumer Day is celebrated and the Internet is remembered as one of the most important factors of these changes since more than 17 million people have carried out electronic commerce operations in the United States.

On the occasion of World Consumer Day that is celebrated, we want to review the rights that assist the buyer who chooses the Internet as a shopping channel.

Despite this, conventional trade is maintained because of, among other things, the loyalty that buyers have with a brand. And is that, according to a study by the OCU, between 27% and 29% of the Americans take into account the reputation of the brand as one of the most important elements when buying a technology product.

However, many consumers still do not know some of the basic rights they have. Now, we explain the most important in the field of e-commerce:

1. Right to obtain truthful information about the contracted products or services and the shipping costs must be available to the consumer before making the purchase, so that he can decide if he will acquire the product or service.

2. Right to the protection of personal data. Consumers should be informed about the use and purpose of the collection of their personal data. They will also have the right to exercise their rights of access, rectification, cancellation or opposition.

3. Right not to provide unnecessary personal data for purchase. The consumer should only provide those data that are necessary to carry out the transaction and in no case may be forced to reveal data beyond what is necessary to conclude the sale: sex, religious beliefs, marital status …

4. Right to manifest consent. The acceptance of the consent, express and unequivocal, by the consumer through the marking of a box or confirmation through alternative means is an indispensable requirement.

5. Right to be informed of the use of cookies or other data storage devices. The user of an electronic commerce website must be informed of the use and purpose of cookies and any other data storage devices, if any.

6. Right to receive personalized attention through different means than email. The consumer should be able to contact the company, not only by email, but also through other means that guarantee direct communication and rapid response.

7. Right to use different means of payment and that these are totally safe. Among the different alternatives offered by the seller, the consumer has the right to use the means of payment he chooses to make the disbursement.

8. Right to receive the order within a maximum period of 30 days. If the company can not deliver the order within this period, it must warn the consumer and the latter will be entitled to recover the money that has been paid up to that moment. In case of non-compliance with the delivery period, the consumer will have the right to obtain compensation.

9. Right of withdrawal and right to repair or replacement of the product or price reduction. Every consumer has the right to forego the purchase for a period of 14 days from the receipt of the product and without the need for justification. In addition, if the consumer receives a product that he did not buy, he has the right to request repair or replacement of the product.

10. Right to guarantee the product, which is 2 years, the same as if we bought it physically or in person. In addition, in the first six months that guarantee is reinforced because it is assumed that the defect is of origin and it is the seller who must prove otherwise.

Amazon has a Good Chance of Successfully Disrupting the Banking Sector

Amazon Successfully Disrupting the Banking Sector

The e-commerce giant is said to be in talks with major banks like JP Morgan for a deposit account offering targeting young adults and people without an account. Amazon, which already offers Visa cards to its US customers, could realize significant savings in transaction costs, say experts at Bain & Company.

Carrefour has its bank, so why not Amazon? The e-commerce giant is said to be in talks with several big banks, including JP Morgan, to launch a sort of current account, according to the Wall Street Journal. But Amazon does not intend to become a bank strictly speaking (with its attendant regulatory and prudential constraints).

It would not be his first foray into the world of payment: Amazon has already been offering for the past year a free Visa card, usable everywhere online and at restaurants, gas stations, and pharmacies, internationally, for its American customers and subscribers to its premium service. The logo of the issuing bank, Chase & Co (a retail subsidiary of the JP Morgan group) does not even appear there.

The e-merchant launched its first bank card at its brand with JP Morgan in 2002 and offers several cards offering benefits (cashback of a few percents on each purchase) and payment facilities. He is also trying to deploy his Amazon Pay system, which can pay with his Amazon account only, on other sites in the United States and Europe with mixed success. He plans to expand it to physical stores, including its organic Whole Foods stores.

Amazon plans to go further and target young customers and people without bank account (which cannot buy on its site): the Seattle firm would have launched in the fall a call for projects for a hybrid check account contours still unclear, JP Morgan and Capital One are on the line, according to information from the Wall Street Journal.

This partner has something to worry even these major players with whom it discusses, with its market capitalization of 737 billion dollars, as much as JP Morgan Chase (394 billion) and Bank of America Merrill Lynch (329 billion) cumulated, and its ability to invest in the long term without seeking immediate profitability.

The bank threatened to be ” Amazonized”?

Is the ” Amazon moment of the bank ” question experts Bain & Company consulting firm? On the other side of the Atlantic, there is no longer any talk of “uberizing” but “amazonizing”, as the ebullient giant’s bursting outburst is feared in many sectors such as health, delivery, food distribution and auto parts. , each announcement or rumor leading to the fall in stock prices of potential victims.

“Amazon has a very good chance of succeeding in the banking sector by disrupting the industry as it did in the retail business,” said Gerard du Toit and Aaron Cheris of Bain & Co.

A recent US firm survey revealed that 73% of Americans aged 18 to 34 were willing to subscribe to a financial service from a technology company and found Amazon and PayPal almost as reliable as other traditional banks (except their bank). Well aware of the strategic nature of banking data, Amazon has always refused to integrate PayPal as a method of payment.

If the current account is not necessarily a profitable activity, especially without account maintenance fees, Amazon already has the advantage of not bearing the costs of a network of agencies and call centers (about 40% Bain’s US retail banking costs), while already having a large customer base (more than 300 million active customers worldwide). The Web giant could also use the voice assistant Alexa from its connected speaker Echo.

Already gaining access to mountains of shopping data, Amazon could learn even more about the types of spending and user behavior, including offline, and conquer new customers. The firm of Jeff Bezos could especially achieve significant savings on transactions (interchange fees paid by merchants for each payment card), by launching a current account. Bain’s experts have calculated that Amazon could save $ 250 million a year in interchange fees in the US alone, assuming that 15 percent of customers would use their Amazon accounts to pay instead of their own. Bankcard.

Potential of 70 million banking customers in 5 years

Amazon has the potential to be a ” game changer “, to change the game according to bank specialists at Bain & Company who project that the Web giant could convince more than 70 million customers in the United States to use its banking services within five years, “as much as Wells Fargo, the third largest US retail bank “! They start from the hypothesis, all very optimistic, that half of the American customers of the e-tailer would decide to subscribe to this new financial service.

“Among America’s leading technology companies, Amazon is best positioned to succeed in the banking industry in the United States. It has a high frequency of buying and reviewing interactions with customers; a complete commercial relationship, including credit card data; a presence in consumer computers, smartphones, tablets, televisions and home audio devices; excellent service, including an excellent return policy; and no major security breach so far. No other technology company can claim all these benefits, “say experts at Bain & Co.

They also imagine that ” once a co-branding banking service has been set up,” the Seattle-based company will gradually develop an offer of financial products, such as loans (purchase financing or loan redemption), loans real estate, property and casualty insurance, and even wealth management and life insurance.

In the footsteps of Alibaba

With a wealth of data, Amazon could send targeted offers based on the moments of life (marriage, birth, real estate acquisition) and further enrich its knowledge of customers and typical behaviors.

The road has already been traced by the Chinese jugo of e-commerce, Alibaba, whose financial subsidiary, Ant Financial, is already the first Fintech in the world: it offers a wealth management app ( Ant Fortune), an online bank for SMEs (MYbank) and a credit score analysis service (Zhima Credit).

In Europe, unlike some rumors, Amazon does not have a banking license – it does not appear in the list of European institutions supervised by the ECB, where on the other hand are Orange Bank, Carrefour Bank, the German nebbian N26 or PayPal. It has the status of electronic money institution, assigned to its subsidiary Amazon Payments Europe registered in Luxembourg. This would allow him to offer an account without overdraft Nickel Account but not credit. Except to find a partner …