The banking and financial services sector, despite the unstable scenario of the national economy, has been showing increasing results. However, it tends to be the sector that faces the greatest technological transformation, intense competition from new actors (fintechs) and changes in regulatory requirements, creating a fast-paced environment for this very conservative segment.

The most current issues point to new regulations, increasing demands on security and authentication, protection of user data, among others. Many of these issues are covered by the General Data Protection Law and regulations of the Central Bank.

Aside from these issues of government responsibility, we believe that our team of experts can support companies in the banking segment to reflect and act on matters of internal competence, especially when it comes to optimizing their business processes, approaching "digitally" with customers and facilitate the training of the workforce for technological insertion.

We are prepared to help clients respond to changes in this market and obtain significant value, discussing the main challenges of their business to develop and implement strategies that address today's challenges, while we outline a clear plan for future leadership.

The automotive sector faces a moment of transformation, due not only to cyclical issues on the national scene, but mainly due to technological disruptions, new means of mobility, property and use and sources of energy.

The most current issues pointed to the need for a new policy of tax incentives, incentives for development and innovation and integration of the national chain, among others. Many of these issues are addressed by the Rota 2030 Program.

Aside from these issues of government responsibility, we believe that our team of specialists can support companies in the automotive segment to reflect and act on matters of internal competence, especially with regard to supporting the modernization of the production processes of national industry suppliers and facilitating the training of the workforce for industry 4.0.

We are prepared to help customers respond to changes in this market and obtain significant value, discussing the main challenges of their business, including the requirements that the Rota 2030 Program will bring in terms of energy efficiency, vehicle safety, mobility solutions, autonomous driving and professional training.

The food and beverage sector faces a moment of stagnation, following the countless uncertainties and challenges in the Brazilian market.

The most current issues point to the need to implement social security and tax reforms, as the sector that employs the most in the country, in addition to family income policies, return to the consumption level in the domestic market, incentive to productivity, among others.

Aside from these issues of government responsibility, we believe that our team of experts can support companies in the food and beverage segment to reflect and act on issues of internal competence, especially with regard to strategic management, the redesign and digitization of value chain processes and team engagement to respond to disruptive innovations in the sector.

We are prepared to help clients respond to changing consumer behavior in this market and obtain significant value, discussing the main challenges of their business, including opportunities related to constant innovation to meet the growth of the world population and different lifestyles.

The agribusiness sector faces an optimistic moment, despite numerous uncertainties and challenges in the Brazilian market.

The most current issues point to the need for a revision of the rural credit policy, securitization, fundraising in the private market, tax simplification, return to the level of consumption in the domestic market, among others.

Aside from these issues of government responsibility, we believe that our team of experts can support companies and business families in the agribusiness segment to reflect and act on matters of internal competence, especially with regard to family corporate governance, management of predictability (flow cash flow, price fluctuations) and the monitoring of operations, rationalizing as much as possible the growing pressure on harvest costs.

We are prepared to help clients respond to disruptive technological changes in this market and obtain significant value, discussing the main challenges of their business, including opportunities related to management governance and monitoring of cost and risk factors.