Financial optimization

For High-Spend segment:

• Premium installment plans for orders >500 R$.

• Free insurance for heavy orders (>10 kg).

Payment incentives:

• Promote credit cards (75% of payments, high average order value).

  • Cashback/bonuses for card payments.

  • Partner bank exclusives.

Boost installment adoption:

• Installment orders have higher values and weights.

• Simplify application process.

• Partner with banks to reduce interest rates.

Voucher strategy:

• Voucher-only users have low average order values.

• Time-limited offers to convert vouchers to purchases.

• Bundled “voucher + discounted item” deals.

Canceled order reduction:

• Reduce credit card cancellations (70% of canceled orders).

• Address voucher payment issues (overrepresented in cancellations).