Danielle Milioni

iFood Enters Brazil's MVNO Market Brazil’s leading food delivery platform, iFood, has officially entered the mobile market by launching its own branded mobile service in partnership with the mobile virtual network aggregator (#MVNA) and enabler (#MVNE) Surf Telecom. The initiative highlights the growing role of Mobile Virtual Network Operators (#MVNO) in creating customized solutions for specific segments — in this case, the 600,000 delivery workers who power iFood’s logistics network. The service, branded as the iFood SIM, will be available both as a physical SIM card and as an eSIM. It has been tailored to the daily connectivity needs of couriers, offering data packages with unlimited access to key applications such as WhatsApp, Waze, and the iFood app itself. By exempting work-related usage from data limits, the platform aims to reduce costs for delivery professionals, who depend heavily on mobile internet to complete their routes. The launch is structured in phases. Initially, iFood’s Super Diamond couriers will receive free access to a 20GB plan. Next month, workers in the Gold category will be able to subscribe for R$25 (about USD $5) per month, receiving 15GB data with the same app-based perks. By November, the plan will be extended to all active couriers on the platform. For Surf Telecom, which operates as an MVNA, MVNE, MVNO and MNO, the partnership represents an expansion of its role in Brazil’s mobile ecosystem. The company is leveraging its own spectrum assets in São Paulo and Rio de Janeiro, while also relying on the nationwide infrastructure of TIM, one of Brazil’s largest mobile operators. The iFood SIM will be supported on both 4G and 5G. According to Surf Telecom CEO Yon Moreira, the partnership has been in development for more than a year and is now set to become one of the operator’s flagship projects. “We expect to reach the vast majority of delivery workers in a short period of time,” he said in an interview with Teletime. “We are treating iFood as a partner of the first magnitude. The last thing a delivery worker wants is to worry about their phone. We will ensure connectivity works seamlessly.” For iFood, the initiative strengthens its benefits package for couriers, while also locking in loyalty through an essential service. This move by iFood is not unprecedented in the Brazilian market. In fact, it follows a similar playbook successfully established by its competitor, Uber, which also runs an MVNO specifically for its own gig workers in the country. Uber launched its MVNO, branded as Uber SIM (or Uber Chip), in partnership with the very same MVNA/MVNE, Surf Telecom, back in January 2021. https://lnkd.in/gBPue4Zr

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🚨 𝐓𝐡𝐞 𝐑𝐢𝐬𝐞 𝐨𝐟 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐢𝐧 𝐋𝐀𝐓𝐀𝐌 — 𝐛𝐲 Getnet 👇 As SMEs across Latin America push toward digitalization, one challenge remains constant: access to credit. Traditional lending models often fail to support the needs of micro, small, and medium-sized businesses. Embedded lending is closing that gap — 🌐 𝐓𝐡𝐞 𝐋𝐚𝐧𝐝𝐬𝐜𝐚𝐩𝐞 ► In LATAM, over 90% of companies are SMEs — yet only a small fraction receive formal financing ► Digital platforms are now embedding credit into their ecosystems, offering contextual, data-driven lending solutions with seamless user experiences. — 👀 𝐖𝐡𝐚𝐭 𝐢𝐬 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠? ► Embedded lending allows businesses to offer credit directly within their own platforms — whether e-commerce, SaaS, acquirers, or marketplaces ► Rather than redirecting to a traditional bank, credit is issued in real-time at the point of need — backed by alternative data and simplified KYC processes — 🔍 𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐯𝐬. 𝐌𝐨𝐝𝐞𝐫𝐧 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 Traditional Lending: → Paper-heavy onboarding → Fixed approval logic → Long disbursement cycles → One-size-fits-all financing ⤵️ Modern Lending Models: → BNPL (Buy Now, Pay Later) Short-term installment credit offered at the point of sale — often with zero interest — allowing SMEs to access necessary goods/services while smoothing cash flow → Invoice Factoring SMEs sell their outstanding invoices to lenders for immediate cash — unlocking working capital without taking on new debt → Merchant Cash Advances Financing based on a merchant’s projected credit card sales or daily revenue, typically repaid via a percentage of future transactions → Recurring Revenue Lending Tailored for SaaS companies and subscription-based businesses, this model lends against predictable monthly recurring revenue (MRR) → API-Based Embedded Lending Fully digital, contextual lending offered directly within a platform’s interface. Credit terms are calculated based on real-time behavioral and transactional data, and loans are issued instantly These new models reflect a fundamental shift: from rigid credit products to embedded, data-driven financing that meets SMEs where they operate — 📈 𝐓𝐡𝐞 𝐄𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐢𝐧 𝐋𝐀𝐓𝐀𝐌 ► Embedded lending is projected to grow 5x in Latin America over the next 3 years, as platforms integrate financing tools into their core offerings ► By embedding credit at checkout or payout, platforms like Getnet are enabling merchants to access capital tied to their revenue and transaction data ► This is not just fintech innovation — it’s ecosystem transformation, unlocking working capital for millions of businesses across the region Embedded lending isn’t just a trend — it’s the next infrastructure layer for LATAM’s digital commerce economy — Source: Getnet ► Subscribe to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in payments... | Marcel van Oost

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Winning customer primacy means being present in the moments that matter most, and payments are most often the first step. That is why Getnet is such an important part of Santander’s strategy, helping companies simplify payments and build stronger relationships with their customers. Three examples: * In Spain, helping Grupo Pascual turn delivery teams’ mobile phones into secure POS terminals. * In Portugal, working with Elecctro to allow EV drivers to pay instantly with their bank card. * In Mexico, partnering with Soft Restaurant to unify restaurant management and payments in a single system. These partnerships strengthen Santander's position as a one stop shop and trusted advisor for our customers.

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