{"id":459,"date":"2021-09-29T11:54:32","date_gmt":"2021-09-29T14:54:32","guid":{"rendered":"http:\/\/www.4mooney.com.br\/?page_id=459"},"modified":"2025-06-04T01:38:48","modified_gmt":"2025-06-04T04:38:48","slug":"artigo-estadao-set-2021","status":"publish","type":"page","link":"http:\/\/www.4mooney.com.br\/?page_id=459","title":{"rendered":"Artigo | Jornal Estad\u00e3o"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"459\" class=\"elementor elementor-459\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-87e54ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"87e54ff\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1adb9af\" data-id=\"1adb9af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ab59b8 elementor-widget elementor-widget-menu-anchor\" data-id=\"5ab59b8\" data-element_type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"inicio\" class=\"elementor-menu-anchor\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e8f13a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e8f13a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_sticky_section_sticky&quot;:&quot;yes&quot;,&quot;jet_sticky_section_sticky_visibility&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb954db elementor-hidden-tablet\" data-id=\"fb954db\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-311b8f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"311b8f9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-034d429\" data-id=\"034d429\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f4a4ab elementor-hidden-phone elementor-widget elementor-widget-image\" data-id=\"0f4a4ab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/www.4mooney.com.br\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/www.4mooney.com.br\/wp-content\/uploads\/2020\/03\/4Money_logo.png\" title=\"\" alt=\"4mooney - Recupera\u00e7\u00e3o de Cr\u00e9dito e Servi\u00e7os Financeiros. 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data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">Artigos &amp; Not\u00edcias<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d105814 elementor-widget elementor-widget-heading\" data-id=\"4d105814\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-large\">Acompanhe as principais novidades da <b>4mooney<\/b>, al\u00e9m das \u00faltimas informa\u00e7\u00f5es sobre as tend\u00eancias da tecnologia envolvendo a <b>recupera\u00e7\u00e3o de cr\u00e9dito e servi\u00e7os financeiros.<\/b><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ed9e41b elementor-widget elementor-widget-spacer\" data-id=\"7ed9e41b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c56e82 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c56e82\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6549f99\" data-id=\"6549f99\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-347f49a elementor-widget elementor-widget-heading\" data-id=\"347f49a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nichos ou Gigantes? <br>Voc\u00ea escolhe como fazer seus Bilh\u00f5es<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c69f8e1 elementor-widget elementor-widget-heading\" data-id=\"c69f8e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A vis\u00e3o para os pr\u00f3ximos anos dos Bancos de Nicho e dos Bancos Cooperativados \u00e9 que os mesmos atinjam de maneira eficiente o maior mercado do mundo para bancos no in\u00edcio do novo s\u00e9culo. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-111195b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"111195b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a6c0f8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6c0f8c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-83f06f7\" data-id=\"83f06f7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7110fca elementor-widget elementor-widget-image\" data-id=\"7110fca\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/politica.estadao.com.br\/blogs\/fausto-macedo\/nichos-ou-gigantes-voce-escolhe-como-fazer-seus-bilhoes\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/www.4mooney.com.br\/wp-content\/uploads\/elementor\/thumbs\/editorial-estadao-01-pdtzje2bb3z8dwjop69iry5okkf7iu83ukio940iim.jpg\" title=\"Nichos ou Gigantes? Voc\u00ea escolhe como fazer seus Bilh\u00f5es\" alt=\"Nichos ou Gigantes? Voc\u00ea escolhe como fazer seus Bilh\u00f5es\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">CLIQUE NA IMAGEM para acessar a mat\u00e9ria no site.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-993716e elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"993716e\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc946a0 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"dc946a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"color: #808080;\"><strong>Veja onde este artigo foi publicado:<\/strong><\/span><\/p><p><a href=\"https:\/\/docmanagement.com.br\/12\/07\/2021\/nichos-ou-gigantes-voce-escolhe-como-fazer-seus-bilhoes\/\" target=\"_blank\" rel=\"noopener\">Instituto Information Management<\/a><br \/><a href=\"https:\/\/abeinfobrasil.com.br\/nichos-ou-gigantes-voce-escolhe-como-fazer-seus-bilhoes\/\" target=\"_blank\" rel=\"noopener\">Site ABEINFO<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ea9e3fd\" data-id=\"ea9e3fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a63173c elementor-widget elementor-widget-eael-testimonial\" data-id=\"a63173c\" data-element_type=\"widget\" data-widget_type=\"eael-testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t<div id=\"eael-testimonial-a63173c\" class=\"eael-testimonial-item clearfix  content-bottom-icon-title-inline\">\n\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\t\t\t<div class=\"eael-testimonial-content\">\n\t\t\t\t<div class=\"eael-testimonial-text\"><p>Ecossistemas produtivos sempre foram os sonhos de todos os conglomerados funcionais, desde a maravilhosa Roma antiga. Considerando que Roma nada mais era que um gigante conglomerado empresarial cercado de bilh\u00f5es de interesses e dezenas de milh\u00f5es de s\u00faditos, escravos e cidad\u00e3os; Com centenas de idiomas e milhares de costumes totalmente divergentes e para gerir toda esta riqueza nada mais natural que o desejo de imputar um Ecossistema Produtivo em toda sua cadeia produtiva.<\/p>\n<p>Lembremos que 80% da riqueza de Roma era produzida e transportada das terras distantes em seu inigual\u00e1vel imp\u00e9rio territorial, usando com precis\u00e3o uma contabilidade impec\u00e1vel da fonte geradora do bem ao ponto de consumo. Nos dias de hoje com os sistemas computacionais existentes seria quase imposs\u00edvel gerir uma opera\u00e7\u00e3o como esta, num imp\u00e9rio territorialmente do tamanho das tr\u00eas maiores na\u00e7\u00f5es do planeta unidas nos atuais tempos.<\/p>\n<p>Porque Roma conseguiu criar um Ecossistema Produtivo t\u00e3o divergente e depois de tantos anos poucos conseguiram?<br \/>Por uma raz\u00e3o simples Roma j\u00e1 entendia com precis\u00e3o a import\u00e2ncia de se ter os dados processados nos <strong>NICHOS<\/strong> de origem e somente a informa\u00e7\u00e3o relevante enviada a sua capital administrativa. Os arquivos administrativos de Roma eram sem d\u00favida alguma a Base de Dados mais completa, complexa e eficiente da hist\u00f3ria antiga, sendo comparada apenas aos invent\u00e1rios gestores implantados pelo Imp\u00e9rio Brit\u00e2nico no per\u00edodo Vitoriano quase dois mil anos ap\u00f3s.<\/p>\n<p>O que devemos aprender com isso, bem em primeiro lugar Hist\u00f3ria antiga \u00e9 uma disciplina importante na gest\u00e3o corporativa atual... Pelo menos deveria ser.<\/p>\n<p>Devemos aprender que o processamento de dados nos <strong>NICHOS PRODUTIVOS<\/strong>, sempre ser\u00e3o mais importantes que as centraliza\u00e7\u00f5es efetivas. E que com isso no Agigantar Corporativo a gest\u00e3o da informa\u00e7\u00e3o sempre ser\u00e1 o caminho mais curto para a destrui\u00e7\u00e3o do ativo intelectual e depois o despertar do desaparecimento integral.<\/p>\n<p>Implantar um ecossistema produtivo em nossos tempos \u00e9 uma tarefa que deve ser iniciada pela constru\u00e7\u00e3o de estruturas de descentraliza\u00e7\u00e3o dos <strong>DADOS PRODUTIVOS<\/strong>, ou tamb\u00e9m chamados de <strong>DADOS DE NICHOS PRODUTIVOS<\/strong>, e depois tratar-se da concentra\u00e7\u00e3o da informa\u00e7\u00e3o relevante derivada da an\u00e1lise dos nichos em si.<\/p>\n<p>Bancos de dados sempre s\u00e3o mais importantes que os aplicativos que consultam estes dados, pois se sua empresa n\u00e3o tem nenhum ERP e\/ou CRM, mas possui os dados bem consolidados, as modernas ferramentas de extra\u00e7\u00e3o de informa\u00e7\u00e3o j\u00e1 entregam maravilhosas leituras sobre sua opera\u00e7\u00e3o. Todavia, se voc\u00ea possuir implantado os mais eficientes sistemas de ERP e\/ou CRM e seu banco de dados for fraco, estes sistemas ser\u00e3o fracos e muito caros. Gerando uma inefici\u00eancia estrat\u00e9gica extremamente bem definidas e onerosas.<\/p>\n<p>O conceito de <strong>NICHO PRODUTIVO<\/strong> \u00e9 algo que os gigantes do mercado banc\u00e1rio desconhecem, para os Super Bancos atenderem nichos econ\u00f4micos produtivos verticalizados \u00e9 algo perto do imposs\u00edvel, pois o modelo de gest\u00e3o em fun\u00e7\u00e3o de resultado torna seus n\u00fameros de equil\u00edbrio imposs\u00edvel de serem atendidos nestes segmentos. Estes n\u00fameros se aproximam do PIB de grande parte dos Pa\u00edses em Desenvolvimento em nosso planeta.<\/p>\n<p>Quando estes nichos s\u00e3o mapeados e analisados a luz da realidade o resultado s\u00e3o pequenas corpora\u00e7\u00f5es que apresentam um desempenho financeiro impec\u00e1vel e deterministicamente mais s\u00f3lidos que as muitas das opera\u00e7\u00f5es corporativas.<\/p>\n<p>Um caso que exemplifica este processo \u00e9 o da ABBC \u2013 Associa\u00e7\u00e3o Brasileira dos Bancos Comerciais \u2013 este bancos, tamb\u00e9m, denominados de Bancos de Nicho fornecem servi\u00e7os e atividades que nunca seriam eficientes nas Gigantescas Entidades Banc\u00e1rias, pois identificar necessidades regionais e desenvolver produtos que atendam estas demandas \u00e9 uma arte que se perdeu nos gigantes a muito tempo.<\/p>\n<p>Obviamente que os Bancos de Nicho necessitam se unir para que muitas das tarefas sejam realizadas de maneira quase que cooperativada como Servi\u00e7os de Recupera\u00e7\u00e3o Financeira; Ativa\u00e7\u00e3o de Cart\u00f5es de Cr\u00e9dito e de Relacionamento; Marketing de Relacionamento e Fixa\u00e7\u00e3o de Clientes; Aumento de potencial de consumo dos produtos dos clientes dos Bancos afiliados e principalmente gest\u00e3o de bancos de dados em seus <strong>NICHOS PRODUTIVOS<\/strong>.<\/p>\n<p>Outro ponto not\u00f3rio s\u00e3o os Bancos Cooperativados que deixaram de ser bancos pequenos para se transformarem em institui\u00e7\u00f5es de \u00e2mbito nacional, por estarem atuando nos modelos de Cooperativismo Estrat\u00e9gico, transformando o cliente de correntista em um s\u00f3cio nominal e rentabilizado pelo banco.<\/p>\n<p>A vis\u00e3o para os pr\u00f3ximos anos dos Bancos de Nicho e dos Bancos Cooperativados \u00e9 que os mesmos atinjam de maneira eficiente o maior mercado do mundo para bancos no in\u00edcio do novo s\u00e9culo \u201cOs Desbancarizados\u201d que se caracterizam por ser o Santo Graal dos mercados de Nicho que necessitam de modelos Cooperativados de atendimento.<\/p>\n<p>O entendimento destes mercados e a capacidade de gerar desenvolvimento efetivo em suas atividades n\u00e3o pode de maneira alguma ser tratado como uma atividade mensurada por modelos Anal\u00edticos e\/ou simplesmente Estat\u00edsticos. Estes mercados nascem pela percep\u00e7\u00e3o de um Empreendedor que utiliza uma sensibilidade nativa, em um modelo empresarial quase que intuitivo e depois para este empreendimento evoluir nos novos tempos deve ser privilegiado pelo uso de uma m\u00e9trica Cientificamente Cognitiva.<\/p>\n<p>Ao depararmos com a pergunta \u201cNichos ou Gigantes? Voc\u00ea escolhe como fazer seus Bilh\u00f5es\u201d f\u00e1cil \u00e9 identificar que no linear do novo s\u00e9culo os <strong>NICHOS VERTICAIS<\/strong> s\u00e3o os precisos mapas para os n\u00e3o identificados bilh\u00f5es financeiros, sem os Bilh\u00f5es de problemas dos gigantes financeiros. Para tratar deste mercado \u00e9 necess\u00e1rio compreender que a <strong>COGNI\u00c7\u00c3O<\/strong> e os <strong>BANCOS DE DADOS<\/strong> s\u00e3o os pavimentos para quem deseja construir novos IMP\u00c9RIOS BILION\u00c1RIOS t\u00e3o grandes ou pelo menos t\u00e3o lindos como Roma.<\/p>\n<\/div>\t\t\t<\/div>\n\t\t\t<div class=\"eael-testimonial-content eael-testimonial-inline-bio\">\n\t\t\t\t\t\t\t<div class=\"eael-testimonial-image\">\n\t\t\t\t\t\t\t\t\t<figure><img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"http:\/\/www.4mooney.com.br\/wp-content\/uploads\/2021\/08\/foto-flavio-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail\" alt=\"\" \/><\/figure>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"bio-text\"><p class=\"eael-testimonial-user\" style=\"display: block; float: none;\">Fl\u00e1vio Oliveira<\/p><p class=\"eael-testimonial-user-company\">Desenvolvimento e Tecnologia<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<span class=\"eael-testimonial-quote\"><\/span>\n\t<\/div>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50c3a2d elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-spacer\" data-id=\"50c3a2d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be6cd15 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-text-editor\" data-id=\"be6cd15\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"color: #808080;\"><strong>Veja onde este artigo foi publicado:<\/strong><\/span><\/p><p><a href=\"https:\/\/docmanagement.com.br\/12\/07\/2021\/nichos-ou-gigantes-voce-escolhe-como-fazer-seus-bilhoes\/\" target=\"_blank\" rel=\"noopener\">Instituto Information Management<\/a><br \/><a href=\"https:\/\/abeinfobrasil.com.br\/nichos-ou-gigantes-voce-escolhe-como-fazer-seus-bilhoes\/\" target=\"_blank\" rel=\"noopener\">Site ABEINFO<\/a><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a506571 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a506571\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a84016 elementor-invisible\" data-id=\"4a84016\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e04e7a elementor-widget elementor-widget-heading\" data-id=\"3e04e7a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Por que nos escolher?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7772d2 elementor-widget elementor-widget-text-editor\" data-id=\"e7772d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>A <b>4mooney<\/b> oferece as melhores solu\u00e7\u00f5es e ferramentas para atingir os melhores resultados!&nbsp;&nbsp;<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-548407e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"548407e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column 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class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Modelos Cognitivos<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dee74ac elementor-invisible\" data-id=\"dee74ac\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1460bf2 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1460bf2\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div 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data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Abordagem L\u00fadica<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-d62cf79 elementor-invisible\" data-id=\"d62cf79\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f45ffb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0f45ffb\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div 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5.089z\"><\/path><path d=\"m54.222 25h5.034c.961-1.812 1.55-3.845 1.693-6h-5.975c-.063 2.139-.322 4.16-.752 6z\"><\/path><path d=\"m54.974 17h5.975c-.143-2.155-.732-4.188-1.693-6h-5.034c.43 1.84.689 3.861.752 6z\"><\/path><path d=\"m40.454 27c1.292 3.613 3.314 6 5.546 6s4.254-2.387 5.546-6z\"><\/path><path d=\"m39 30v1.261c.623.329 1.263.619 1.922.856-.759-.964-1.424-2.153-1.987-3.506.034.46.065.921.065 1.389z\"><\/path><path d=\"m57.972 9c-1.736-2.304-4.115-4.087-6.874-5.089 1.038 1.327 1.908 3.066 2.566 5.089z\"><\/path><path d=\"m9 58c0 1.654 1.346 3 3 3h16c1.654 0 3-1.346 3-3v-1h-22z\"><\/path><path d=\"m3 44c0 2.206 1.794 4 4 4v-8c-2.206 0-4 1.794-4 4z\"><\/path><circle cx=\"20\" cy=\"42\" r=\"3\"><\/circle><path d=\"m13 54v1h14v-1c0-2.488-1.309-4.671-3.27-5.913l-3.73 4.476-3.729-4.476c-1.962 1.241-3.271 3.425-3.271 5.913z\"><\/path><path d=\"m18.177 47.249 1.823 2.189 1.823-2.188c-.582-.158-1.191-.25-1.823-.25s-1.241.092-1.823.249z\"><\/path><path d=\"m28 27h-16c-1.654 0-3 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0h-2v-2h2z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a0e4d elementor-widget elementor-widget-heading\" data-id=\"b3a0e4d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Plataforma Omnichannel<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-91417e5 elementor-invisible\" data-id=\"91417e5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;fadeIn&quot;}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f356a9a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f356a9a\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_5\" height=\"512\" viewBox=\"0 0 64 64\" width=\"512\"><g><circle cx=\"56\" cy=\"8\" r=\"5\"><\/circle><path d=\"m23 30h2v12h-2z\"><\/path><path d=\"m29 32h6v4.453c2.934-3.335 7.22-5.453 12-5.453 2.916 0 5.643.797 8 2.165v-18.245c-1.183-.17-2.269-.636-3.184-1.322l-6.117 6.116c.188.392.301.824.301 1.286 0 1.654-1.346 3-3 3s-3-1.346-3-3c0-.462.113-.894.301-1.285l-2.015-2.015c-.392.187-.824.3-1.286.3s-.894-.113-1.285-.301l-5.015 5.015c.187.392.3.824.3 1.286 0 1.654-1.346 3-3 3s-3-1.346-3-3 1.346-3 3-3c.462 0 .894.113 1.285.301l5.015-5.015c-.187-.392-.3-.824-.3-1.286 0-1.654 1.346-3 3-3s3 1.346 3 3c0 .462-.113.894-.301 1.285l2.015 2.015c.392-.187.824-.3 1.286-.3s.894.113 1.285.301l6.116-6.116c-.488-.651-.868-1.386-1.107-2.185h-46.294v36h28.051c.042-.678.117-1.347.241-2h-2.292zm-20-20h14v2h-14zm0 4h14v2h-14zm0 4h14v2h-14zm0 4h14v2h-14zm-4-12h2v2h-2zm0 4h2v2h-2zm0 4h2v2h-2zm0 4h2v2h-2zm6 20h-6v-10h6zm8 0h-6v-8h6zm8 0h-6v-16h6z\"><\/path><path d=\"m48 33.051v4c5.046.504 9 4.773 9 9.949 0 1.463-.324 2.85-.891 4.104l3.469 2.003c.902-1.848 1.422-3.916 1.422-6.107 0-7.382-5.747-13.433-13-13.949z\"><\/path><path d=\"m7 36h2v6h-2z\"><\/path><circle cx=\"43\" cy=\"21\" r=\"1\"><\/circle><path d=\"m15 38h2v4h-2z\"><\/path><circle cx=\"37\" cy=\"15\" r=\"1\"><\/circle><path d=\"m33 34h-2v8h.811c.314-.951.71-1.865 1.189-2.729z\"><\/path><path d=\"m37 47c0-5.176 3.954-9.446 9-9.949v-4c-7.253.516-13 6.567-13 13.949 0 2.191.52 4.259 1.422 6.107l3.469-2.003c-.567-1.254-.891-2.641-.891-4.104z\"><\/path><path d=\"m39 47c0 4.411 3.589 8 8 8s8-3.589 8-8-3.589-8-8-8-8 3.589-8 8zm8-6c3.309 0 6 2.691 6 6s-2.691 6-6 6-6-2.691-6-6 2.691-6 6-6z\"><\/path><path d=\"m47 57c-3.336 0-6.287-1.648-8.105-4.166l-3.483 2.011c2.52 3.712 6.774 6.155 11.588 6.155s9.068-2.443 11.588-6.155l-3.483-2.011c-1.818 2.518-4.769 4.166-8.105 4.166z\"><\/path><circle cx=\"28\" cy=\"24\" r=\"1\"><\/circle><circle cx=\"47\" cy=\"47\" r=\"4\"><\/circle><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f16d992 elementor-widget elementor-widget-heading\" data-id=\"f16d992\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">M\u00e9todo TODA<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3cceb67 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Digital<\/b><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In\u00edcio Servi\u00e7os Metodologia Solu\u00e7\u00f5es Canais de Integra\u00e7\u00e3o As 5 Raz\u00f5es Artigos Contato Artigos &amp; Not\u00edcias Acompanhe as principais novidades da 4mooney, al\u00e9m das \u00faltimas informa\u00e7\u00f5es sobre as tend\u00eancias da tecnologia envolvendo a recupera\u00e7\u00e3o de cr\u00e9dito e servi\u00e7os financeiros. Nichos ou Gigantes? 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