Joao Soares

how these independent agentic systems could introduce new forms of disintermediation and engage clients directly

are you currently satisfied with the investment level that you're making. Is there any -- are there any areas -- additional areas that you could think use additional resources

you mentioned in the release how you're scaling faster infrastructure and adapting to the expected increased mix of lower ASPs

we should expect any, what would be the repercussions on the commerce growth when you move -- when you try to derisk a little bit your concession

I just wanted to understand the relevance of these high risk products in the micro cards and if this -- by taking down the risk or reducing the risk, do you think there could be any repercussions i...