E-commerce: Automated financial management can be an investment opportunity to control costs | SEGS

In the first quarter of 2022, Brazilian e-commerce reached the mark of R$118.6 billion in sales, an increase of 6% compared to 2021, according to the semi-annual report of Webshoppers (46th edition). And despite the slowdown, it remains constant. In this scenario, with the year 2022 marked by major challenges due to the turbulent economic environment, e-commerce will emerge and consolidate as one of the main channels for Brazilian consumers.

On the other hand, those who make a living from it are also looking for alternatives to offer customers the best service. In this atmosphere, this includes improving points such as logistics and even learning how to better deal with cost control and financial transfers from the market, a task that is not always one of the easiest to reconcile.

Economist and commercial director of KONCILI, the leading platform for harmonizing market transfers and means of payment, Luigi Sceppa Gonzaga, explains that in the midst of the financial market downturn, one of the alternatives to control e-commerce costs was the possibility of automated financial management.

In this context, the executive understands that there is an opportunity to map bottlenecks, possible rates and bottlenecks. And within that to understand if it was an unforeseen event or if it was a mistake and do something about it. To achieve this, well-reviewed dynamic planning is required.

“It’s like thinking about a family budget, where there are fixed costs, like rent, and variable ones, like credit cards, that affect usage. The e-commerce scenario is no different. We sell to various places and people in the country. And in this example, there may be a lot of returns in one month, but little in another. These changes in operation and variations make it necessary to map and review rates so that we do not have fear at the end of the month or compromise financial value that did not exist in the treasury,” he adds.

With management at the tip of the pen, i.e. digital, the option is no longer perceived as an expense, but as an investment. Among the software options, there is KONCILI, a tool born out of necessity, the first in the market transfer matching segment and the current leader on the Brazilian market.

And once control is automated, the expert points out that not only bottleneck mapping and dynamic planning becomes possible, since costs can now be variable. “But it opens up an opportunity to reorganize frequently so they don’t have a plan that separates them from the ultimate goal, as well as measuring the impact of e-commerce returns, the impact of time to receipt and even performance at rest,” he said. stands out.

Even more on the chargeback scenario, the CEO goes on to say that at best he is a zero-to-zero merchant, even knowing that he still spent team time, invoicing time, and even packaging time. In the worst case scenario, it had reverse logistics, costs for proportional deployment, and even the risk of the product not being back in stock.

Understanding this, Luigi explains that it is also possible to understand the orders that have the highest return, that is, they are more likely to have additional costs. And having this knowledge, the seller can now invest in a safe sale, not a risky one.

“But as an intelligent platform, it is capable of mapping all of that. All fees, no loopholes in operations, so you have information agility and get it right before it’s too late. KONCILI, for example, offers triggers for opening tickets, centralizing data on one screen, so nothing gets confused, and your learning curve is faster in finance as well,” he concludes.

Market performance

The platform, which is part of the e-commerce ecosystem of the DB1 Group, which is made up of Brazilian technology companies operating in Latin America and the United States, aims to check whether there are differences in commissions and control claims from the market to e-commerce. It trades on an automated, agile and a practical way.

And with this positioning, he conquered the market. The numbers prove it. Last year alone, for example, KONCILI grew 134% in revenue and 62% in GMV (gross merchandise value) transactions, reaching R$ 3.6 billion, while expanding its user base by 92%, with more than 10 million requests matched in years.

Today there are more than 480 customers with the software. Already this year, KONCILI achieved a growth of 89.72% in the first half of the year compared to the same period of the previous year.


Created and developed by DB1 Group, KONCILI was the first payment reconciliation software on the market. Its focus is to offer automated financial intelligence, agility and autonomy to those who sell on marketplaces. KONCILI has already been implemented in more than 400 customers such as Angeloni, Britânia, Synapcom, Crocs, Mega Store, Onofre Eletro, MixTel Distribuidora, São Paulo Autopeças, among others. The product also provides a reconciliation service for those who do not wish to internalize this transaction. The platform coordinates markets Via, B2W, Magazine Luiza, Mercado Livre, Netshoes, Amazon, Walmart, Carrefour. Last year, KONCILI reached the mark of more than R$ 3.6 billion GMV (gross merchandise volume) of transactions and showed a revenue growth of more than 130%.

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