Destaques do Mês, novembro de 2024

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Em nosso artigo em destaque, Asheet Mehta, Klaus Dallerup, Luca Pancaldi, Miklós Dietz, Pradip Patiath, Vik Sohoni e coautores explicam como o “quociente de gestão” será um diferencial para os bancos nos anos restantes da década de 2020." property="og:description"/> <meta property="og:image" content="https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/global%20banking%20annual%20review%202024%20attaining%20escape%20velocity/global-banking-annual-review-2024-thumb-1536x1536.jpg"/> <style type="text/css"> .ReadMsgBody { width: 100%; } .ExternalClass { width: 100%; } .ExternalClass, .ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td, .ExternalClass div { line-height: 100%; } body { -webkit-text-size-adjust: none; -ms-text-size-adjust: none; margin: 0 auto !important; padding: 0; min-width: 100% !important; } td { mso-line-height-rule: exactly; mso-table-lspace: 0pt; mso-table-rspace: 0pt; } img { margin: 0 !important; } /* Forces Outlook to honor line-height */ div, p, a, li, td, span { -webkit-text-size-adjust: none; 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background-color:#1f40e6; font-family:Arial, Helvetica, sans-serif; font-size:14px; color: #fffffe; -webkit-text-fill-color: #fffffe; cursor: pointer; display: block; min-width: 130px; min-height: 40px; vertical-align: middle; mso-padding-alt:10px 8px 10px 8px; line-height: 20px;" align="center" valign="middle" class="widthauto font16"> <a href="https://www.mckinsey.com/Featured-Insights/Destaques/pt-pt" style="text-decoration:none; padding: 10px 20px 8px 20px; background-color:#1f40e6; color: #fffffe; -webkit-text-fill-color: #fffffe; cursor: pointer; display: block; border: 1px solid #1f40e6; min-width: 108px; font-weight: normal; outline: none; text-transform: none" target="_blank" class="widthauto"><span style="color: #fffffe; -webkit-text-fill-color: #fffffe; text-decoration: none" class="whitelinktext">Assinar</span></a> </td> </tr> </table> </td></tr></tbody></table></td></tr><tr><td><table role="presentation" bgcolor="#FFFFFF" width="640" border="0" align="center" cellpadding="0" cellspacing="0" class="wrap"><tbody><tr><td bgcolor="#FFFFFF"><section id="1009" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" style="padding: 0px 20px 16px 20px" class="pad20rl match"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p2_text" data-groupid="p2" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><strong>O mercado está cético</strong> quanto à geração de valor no setor bancário em um horizonte de longo prazo devido a fatores macroeconômicos e a outros específicos do setor. Em nosso artigo em destaque, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd2/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="4556e0a0a12811efb97c2b6ce09afe54">Asheet Mehta</a></span>, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd3/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="54b16390a12811efb97c2b6ce09afe54">Klaus Dallerup</a></span>, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd4/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="5f54ee20a12811efb97c2b6ce09afe54">Luca Pancaldi</a></span>, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd5/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="68b71f10a12811efb97c2b6ce09afe54">Miklós Dietz</a></span>, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd6/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="71c67510a12811efb97c2b6ce09afe54">Pradip Patiath</a></span>, <span style="text-decoration: underline; line-height: 150%; color: rgb(34, 81, 255);"><a href="https://email.mckinsey.com/T/v7000001932bf6e1a9c69fe86e965fc958/fc2a17447bb84f6f0000021ef3a0bcd7/fc2a1744-7bb8-4f6f-a24a-20cabbb7daac?__dU__=v0G4RBKTXg2GsTlMa8YbE0npiPHb7Gzq29ujr-mrJsl6bcn0E30HNSquNCCrd1XNAz" target="_blank" rel="noopener" style="color: rgb(34, 81, 255); font-weight: inherit; background: none; text-decoration: underline;" data-link-id="7c6c4990a12811efb97c2b6ce09afe54">Vik Sohoni</a></span> e coautores explicam como o “quociente de gestão” será um diferencial para os bancos nos anos restantes da década de 2020. Entre os outros destaques estão os seguintes assuntos:<br></span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1015" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 20px 2px 20px" class="pad20rl"> <table role="presentation" border="0" cellspacing="0" cellpadding="0" class="wrap" width="100%"> <tbody><tr> <td width="2%" align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 0px 10px 0px 0px" data-groupid="bullet"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: ; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="bullet_text" data-groupid="bullet" class="mobile_p1"><span style="font-size: 14px; color: #333333; line-height: 150%;">•</span></p></td> </tr> </tbody></table> </td> <td align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 3px 1px 0px 1px" valign="top" align="" class=""><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p1_text" data-groupid="p1" class="mobile_match"><span style="font-size: 14px; color: #333333; line-height: 150%;">um guia prático para startups e ganho de escala no setor de tecnologia climática</span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1015" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 20px 2px 20px" class="pad20rl"> <table role="presentation" border="0" cellspacing="0" cellpadding="0" class="wrap" width="100%"> <tbody><tr> <td width="2%" align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 0px 10px 0px 0px" data-groupid="bullet"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: ; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="bullet_text" data-groupid="bullet" class="mobile_p1"><span style="font-size: 14px; color: #333333; line-height: 150%;">•</span></p></td> </tr> </tbody></table> </td> <td align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 3px 1px 0px 1px" valign="top" align="" class=""><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p1_text" data-groupid="p1" class="mobile_match"><span style="font-size: 14px; color: #333333; line-height: 150%;">como a excelência operacional pode ajudar a revitalizar a produtividade</span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1015" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 20px 2px 20px" class="pad20rl"> <table role="presentation" border="0" cellspacing="0" cellpadding="0" class="wrap" width="100%"> <tbody><tr> <td width="2%" align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 0px 10px 0px 0px" data-groupid="bullet"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: ; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="bullet_text" data-groupid="bullet" class="mobile_p1"><span style="font-size: 14px; color: #333333; line-height: 150%;">•</span></p></td> </tr> </tbody></table> </td> <td align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 3px 1px 0px 1px" valign="top" align="" class=""><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p1_text" data-groupid="p1" class="mobile_match"><span style="font-size: 14px; color: #333333; line-height: 150%;">o impacto que as tecnologias digitais e a IA podem ter nas empresas de bens de consumo</span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1015" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 20px 2px 20px" class="pad20rl"> <table role="presentation" border="0" cellspacing="0" cellpadding="0" class="wrap" width="100%"> <tbody><tr> <td width="2%" align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 0px 10px 0px 0px" data-groupid="bullet"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: ; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="bullet_text" data-groupid="bullet" class="mobile_p1"><span style="font-size: 14px; color: #333333; line-height: 150%;">•</span></p></td> </tr> </tbody></table> </td> <td align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td style="padding: 3px 1px 0px 1px" valign="top" align="" class=""><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p1_text" data-groupid="p1" class="mobile_match"><span style="font-size: 14px; color: #333333; line-height: 150%;">os desafios e oportunidades dos líderes atuais, de acordo com Daniel Vasella, ex-presidente do Conselho e ex-CEO da Novartis AG</span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr></tbody></table></td></tr><tr><td bgcolor="#FFFFFF"><section id="1001_divider" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr> <td align="center" valign="top" style="padding: 36px 20px 36px 20px" class="pad20rl"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap" bgcolor="#000000"> <tbody><tr> <td style="line-height: 1px !important" align="center" valign="top"><img src="https://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" height="1" style="display: block" border="0" alt=""></td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td><table role="presentation" bgcolor="#FFFFFF" width="640" border="0" align="center" cellpadding="0" cellspacing="0" class="wrap"><tbody><tr><td bgcolor="#FFFFFF"><section id="1005_h2" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" style="padding: 0px 20px 16px 20px" class="pad20rl match"><h2 style="font-size: 14px; 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padding: 0px 20px 20px 20px; background-color: #ffffff;" bgcolor="#ffffff"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" align="center"> <tbody><tr> <th align="left" valign="top" style="vertical-align: top; padding: 0px; font-weight: normal; width: 170px" class="colsplit topstack" width="170"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0"> <tbody><tr> <td align="left" valign="top" style="vertical-align: top; padding: 4px 20px 0px 0px;" class="pad0r pad20b" data-groupid="img"><a data-managed-link="img_link_url" href="https://email.mckinsey.com/featured-insights/destaques/analise-anual-do-setor-bancario-global-2024-atingindo-a-velocidade-de-escape/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcd9&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=3b2d90aee3e648baab1509a68791d142&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" data-link-id="96890bb1a3d811ecbdc86f280b15f1c8"><img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/global%20banking%20annual%20review%202024%20attaining%20escape%20velocity/global-banking-annual-review-2024-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “Análise Anual do Setor Bancário Global 2024: atingindo a velocidade de escape” on McKinsey.com." width="170" height="auto" style="display: block;" border="0" class="wrap"></a></td> </tr> </tbody></table> </th> <th align="left" valign="top" style="vertical-align: top; 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line-height: 150%;">Nos próximos anos, o “quociente de gestão” fará a diferença entre os líderes do setor e os retardatários.</span></a></p> </td> </tr> <tr> <td align="left" valign="top" style="vertical-align: top; padding: 0px 0px 16px 0px;"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="text_link_text" data-groupid="text_link" class="mobile_p1"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/analise-anual-do-setor-bancario-global-2024-atingindo-a-velocidade-de-escape/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcdc&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=708755b12114429cbc42a1d7c021d824&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="968932c2a3d811ecbdc86f280b15f1c8"><span style="font-size: 14px; 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padding: 0px 0px 0px 0px;">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table bgcolor="#ffffff" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" class="center" data-groupid="left_img">  <a href="https://email.mckinsey.com/Featured-Insights/Destaques/um-guia-pratico-para-startups-e-ganho-de-escala-no-setor-de-tecnologia-climatica/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce1&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=ce0d2a5baf1b4ffdae013c0dc7843bdb&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col1_link_url" target="_blank" data-link-id="d98554a1a3d811ecbdc86f280b15f1c8"><img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/business%20functions/sustainability/our%20insights/creating%20a%20how%20to%20guide%20for%20climate%20tech%20start%20ups%20and%20scale%20ups/creating-a-how-to-guide-for-climate-tech-start-ups-and-scale-ups-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “Um guia prático para startups e ganho de escala no setor de tecnologia climática” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"> </a>  </td> </tr> </tbody></table>  </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; 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line-height: 120%;">Um guia prático para startups e ganho de escala no setor de tecnologia climática</span></a></strong></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col1_p1_text" data-groupid="col1_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/um-guia-pratico-para-startups-e-ganho-de-escala-no-setor-de-tecnologia-climatica/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce3&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=044026e47dbb4f799078005a936713bf&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="fa7e5910d22511ecb5524b49561c38ff">Como uma empresa de tecnologia climática pode obter financiamento – e ganhar escala – rapidamente? O Climate Brick, um manual de código aberto para empresários e investidores, tem como objetivo dar algumas respostas.</a><br><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/um-guia-pratico-para-startups-e-ganho-de-escala-no-setor-de-tecnologia-climatica/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce4&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=38ed2bf568d84c9cae1222d1de6555e5&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="b18032d0aa0511ec9e13c757f2f034f6"><span style="text-decoration: underline; line-height: 150%;"><span style="color: #2251ff; text-decoration: underline; line-height: 150%;">Desmistifique a jornada</span></span></a><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> <th width="3.333333%" align="left" valign="top" style="font-weight: normal; padding: 0px; vertical-align: top;" class="colsplit"><img src="http://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" width="20" height="20" style="display: block;" border="0" alt=""></th> <th width="31%" align="left" valign="top" bgcolor="#FFFFFF" class="colsplit" style="font-weight: normal; padding: 0px 0px 0px 0px;"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" data-groupid="middle_img">  <a href="https://email.mckinsey.com/featured-insights/destaques/eliminando-barreiras-operacionais-a-produtividade-maxima/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce5&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=5338cfed8cbd43ae9a8ccd8d0e702601&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col2_link_url" target="_blank" data-link-id="d98554a2a3d811ecbdc86f280b15f1c8"> <img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/business%20functions/operations/our%20insights/breaking%20operational%20barriers%20to%20peak%20productivity/breaking-operational-barriers-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “Eliminando barreiras operacionais à produtividade máxima” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"></a>  </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; mso-line-height-rule: exactly; line-height: 120%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helevtica, Arial, sans-serif;" enable-personalization="true" data-richtext="col2_h2_text" data-groupid="col2_h2" class="mobile_h4"><a style="color: #000000; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/eliminando-barreiras-operacionais-a-produtividade-maxima/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce6&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=02e26369d52c44b692973175d7bfe53b&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="d98554a6a3d811ecbdc86f280b15f1c8"><span style="font-size: 18px; line-height: 120%;"><strong>Eliminando barreiras operacionais à produtividade máxima</strong></span></a></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col2_p1_text" data-groupid="col2_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/eliminando-barreiras-operacionais-a-produtividade-maxima/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce7&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=8d81a32207e34cfabdf6c2168fe93c38&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="03b33870d22611ecb5524b49561c38ff">Nossa pesquisa mais recente examina como uma abordagem inovadora de excelência operacional pode revitalizar a produtividade. E revela cinco práticas que contribuem para melhorar o desempenho – já.</a><br><span style="line-height: 150%;"><span style="line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/eliminando-barreiras-operacionais-a-produtividade-maxima/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce8&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=bd3f231d16174ae8abea0fa38b433b1a&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="0b619c60a9f911eca4e64b1c157cc771"><span style="color: #2251ff; line-height: 150%;"><span style="text-decoration: underline; line-height: 150%;">Cinco passos</span></span></a></span></span><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> <th width="3.333333%" align="left" valign="top" style="font-weight: normal; padding: 0px; vertical-align: top;" class="colsplit"><img src="http://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" width="20" height="20" style="display: block;" border="0" alt=""></th> <th width="31%" align="left" valign="top" bgcolor="#FFFFFF" class="colsplit" style="font-weight: normal; padding: 0px 0px 0px 0px;"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" class="center" data-groupid="right_img">  <a href="https://email.mckinsey.com/Featured-Insights/Destaques/fortuna-ou-ficcao-o-valor-real-das-transformacoes-digitais-e-de-ia-para-empresas-de-bens-de-consumo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bce9&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=3b2de1eaccd54fa28252c0fda0c454fd&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col3_link_url" target="_blank" data-link-id="d98554a3a3d811ecbdc86f280b15f1c8"> <img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/industries/consumer%20packaged%20goods/our%20insights/fortune%20or%20fiction%20the%20real%20value%20of%20a%20digital%20and%20ai%20transformation%20in%20cpg/fortune-or-fiction-185182047-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “Fortuna ou ficção? O valor real das transformações digitais e de IA para empresas de bens de consumo” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"></a>  </td> </tr> </tbody></table>  </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; mso-line-height-rule: exactly; line-height: 120%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helevtica, Arial, sans-serif;" enable-personalization="true" data-richtext="col3_h2_text" data-groupid="col3_h2" class="mobile_h4"><strong><a style="color: rgb(0, 0, 0); font-weight: inherit; background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-decoration: none;" href="https://email.mckinsey.com/Featured-Insights/Destaques/fortuna-ou-ficcao-o-valor-real-das-transformacoes-digitais-e-de-ia-para-empresas-de-bens-de-consumo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcea&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=5498d688a7e94acf9313c844f34efcee&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="d9857bb0a3d811ecbdc86f280b15f1c8"><span style="font-size: 18px; line-height: 120%;">Fortuna ou ficção? O valor real das transformações digitais e de IA para empresas de bens de consumo</span></a></strong></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col3_p1_text" data-groupid="col3_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/fortuna-ou-ficcao-o-valor-real-das-transformacoes-digitais-e-de-ia-para-empresas-de-bens-de-consumo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bceb&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=b46cf13ebe7646ecbffebb67b267121b&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="17c80f20d22611ecb5524b49561c38ff">Uma nova análise da McKinsey quantifica o impacto das tecnologias digitais e da inteligência artificial nas empresas de bens de consumo embalados e indica onde os líderes devem concentrar seus esforços.</a><br><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/fortuna-ou-ficcao-o-valor-real-das-transformacoes-digitais-e-de-ia-para-empresas-de-bens-de-consumo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcec&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=0e0c13baf5344732b811f56ba678097e&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="23c310e0a9f911eca4e64b1c157cc771"><span style="text-decoration: underline; line-height: 150%;"><span style="color: #2251ff; text-decoration: underline; line-height: 150%;">Gere valor de longo prazo</span></span></a><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr></tbody></table></td></tr><tr><td><table role="presentation" bgcolor="#FFFFFF" width="640" border="0" align="center" cellpadding="0" cellspacing="0" class="wrap"><tbody><tr><td bgcolor="#FFFFFF"> <section id="MCK014" layout-row="true"> <div layout-row="true"> <table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr layout-row="true"> <td align="center" valign="top" style="padding: 0px 20px 0px 20px;" bgcolor="#FFFFFF"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <th width="31%" align="left" bgcolor="#FFFFFF" valign="top" class="colsplit" style="font-weight: normal; padding: 0px 0px 0px 0px;">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table bgcolor="#ffffff" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" class="center" data-groupid="left_img">  <a href="https://email.mckinsey.com/featured-insights/destaques/a-satisfacao-de-ser-um-ceo-entrevista-com-daniel-vasella/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bced&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=1f1f66e1cea64f0fa5af8d5435e9ae52&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col1_link_url" target="_blank" data-link-id="e4bfc800a3d811ecbdc86f280b15f1c8"><img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/business%20functions/people%20and%20organizational%20performance/our%20insights/how%20to%20embrace%20the%20ceo%20role%20an%20interview%20with%20daniel%20vasella/how-to-embrace-the-ceo-role-daniel-vasella-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “A satisfação de ser um CEO: entrevista com Daniel Vasella” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"> </a>  </td> </tr> </tbody></table>  </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; mso-line-height-rule: exactly; line-height: 120%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helevtica, Arial, sans-serif;" enable-personalization="true" data-richtext="col1_h2_text" data-groupid="col1_h2" class="mobile_h4"><a style="color: rgb(0, 0, 0); font-weight: inherit; background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-decoration: none;" href="https://email.mckinsey.com/featured-insights/destaques/a-satisfacao-de-ser-um-ceo-entrevista-com-daniel-vasella/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcee&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=869ab37ac14a43b289a3f15c09ce7ea8&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="e4bfc803a3d811ecbdc86f280b15f1c8"><span style="font-size: 18px; line-height: 120%;"><strong>A satisfação de ser um CEO: entrevista com Daniel Vasella</strong></span></a></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col1_p1_text" data-groupid="col1_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/a-satisfacao-de-ser-um-ceo-entrevista-com-daniel-vasella/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcef&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=dfb412003e314f3b95bfa039a10ed7ee&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="21b65370d22611ecb5524b49561c38ff">O cargo máximo de uma empresa não é fácil. Mas, como explica o ex-CEO da Novartis, os líderes também devem sentir prazer em competir e em aprimorar as qualidades pessoais necessárias para exercer bem a função e unir a organização.</a><br><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/a-satisfacao-de-ser-um-ceo-entrevista-com-daniel-vasella/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf0&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=3171dcb818134abf95f6de13b25ab4ce&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="efd7abd0aa0511ec9e13c757f2f034f6"><span style="text-decoration: underline; line-height: 150%;"><span style="color: #2251ff; text-decoration: underline; line-height: 150%;">Entenda a si mesmo</span></span></a><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> <th width="3.333333%" align="left" valign="top" style="font-weight: normal; padding: 0px; vertical-align: top;" class="colsplit"><img src="http://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" width="20" height="20" style="display: block;" border="0" alt=""></th> <th width="31%" align="left" valign="top" bgcolor="#FFFFFF" class="colsplit" style="font-weight: normal; padding: 0px 0px 0px 0px;"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" data-groupid="middle_img">  <a href="https://email.mckinsey.com/featured-insights/destaques/trazendo-a-inteligencia-artificial-para-a-realidade/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf1&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=a252fda185f14754aeaae28c3f75701d&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col2_link_url" target="_blank" data-link-id="e4bfc801a3d811ecbdc86f280b15f1c8"> <img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/business%20functions/mckinsey%20digital/our%20insights/keeping%20artificial%20intelligence%20real/navrina-singh-50-50.jpg?mw=768&car=16:9" alt="An image linking to the web page “Trazendo a inteligência artificial para a realidade” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"></a>  </td> </tr> </tbody></table> </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; mso-line-height-rule: exactly; line-height: 120%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helevtica, Arial, sans-serif;" enable-personalization="true" data-richtext="col2_h2_text" data-groupid="col2_h2" class="mobile_h4"><a style="color: rgb(0, 0, 0); font-weight: inherit; background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-decoration: none;" href="https://email.mckinsey.com/featured-insights/destaques/trazendo-a-inteligencia-artificial-para-a-realidade/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf2&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=18d23398b8ad4f71904eb0dfe66975ba&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="57f41eb0eccd11ec9a43b7ee6da20b93"><strong><span style="font-size: 18px; line-height: 120%;">Trazendo a inteligência artificial para a realidade</span></strong></a></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col2_p1_text" data-groupid="col2_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/trazendo-a-inteligencia-artificial-para-a-realidade/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf3&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=a0c02da8b1c74ad196989016eac3f11b&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="2ade88a0d22611ecb5524b49561c38ff">A IA generativa representa uma revolução sociotécnica com implicações enormes em todos os aspectos de nossa vida. Manter seres humanos no circuito é fundamental para o desenvolvimento responsável dela.</a><br><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/destaques/trazendo-a-inteligencia-artificial-para-a-realidade/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf4&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=4f8a4d324be449b99a4caacb0bbd731d&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="3e907c50a9f911eca4e64b1c157cc771"><span style="text-decoration: underline; line-height: 150%;"><span style="color: #2251ff; text-decoration: underline; line-height: 150%;">Sintonize agora</span></span></a><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> <th width="3.333333%" align="left" valign="top" style="font-weight: normal; padding: 0px; vertical-align: top;" class="colsplit"><img src="http://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" width="20" height="20" style="display: block;" border="0" alt=""></th> <th width="31%" align="left" valign="top" bgcolor="#FFFFFF" class="colsplit" style="font-weight: normal; padding: 0px 0px 0px 0px;"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" class="center" data-groupid="right_img">  <a href="https://email.mckinsey.com/Featured-Insights/Destaques/pronto-para-decolar-as-novas-oportunidades-de-varejo-no-setor-aereo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf5&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=4207fc9a4f2a4a12b1a961752aee5912&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col3_link_url" target="_blank" data-link-id="e4bfc802a3d811ecbdc86f280b15f1c8"> <img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/industries/travel%20logistics%20and%20infrastructure/our%20insights/ready%20for%20takeoff%20the%20airline%20retailing%20opportunity/ready-for-takeoff-486836087-thumb-1536x1536.jpg?mw=768&car=16:9" alt="An image linking to the web page “Pronto para decolar: as novas oportunidades de varejo no setor aéreo” on McKinsey.com." width="186" height="auto" class="wrap" style="display: block;" border="0"></a>  </td> </tr> </tbody></table>  </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; mso-line-height-rule: exactly; line-height: 120%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helevtica, Arial, sans-serif;" enable-personalization="true" data-richtext="col3_h2_text" data-groupid="col3_h2" class="mobile_h4"><a style="color: rgb(0, 0, 0); font-weight: inherit; background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-decoration: none;" href="https://email.mckinsey.com/Featured-Insights/Destaques/pronto-para-decolar-as-novas-oportunidades-de-varejo-no-setor-aereo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf6&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=81d2fcff28a14259b3582d4fb6a7d5e9&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="e4bfc807a3d811ecbdc86f280b15f1c8"><span style="font-size: 18px; line-height: 120%;"><strong>Pronto para decolar: as novas oportunidades de varejo no setor aéreo</strong></span></a></h2> </td> </tr> </tbody></table>  </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 20px 0px;" class="match"> <p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #333333; font-family: Helvetica, Arial, sans-serif;" enable-personalization="true" data-richtext="col3_p1_text" data-groupid="col3_p1" class="mobile_p1"><span style="font-size: 14px; line-height: 150%;"><a style="color: #333333; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/pronto-para-decolar-as-novas-oportunidades-de-varejo-no-setor-aereo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf7&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=f8a0750ef7fd4781ac434038d7ed8cb9&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="34173890d22611ecb5524b49561c38ff">Um varejo mais sofisticado pode gerar valor substancial para o setor aéreo – se houver uma renovação das tecnologias, processos e mentalidades.</a><span style="color: #2251ff; line-height: 150%;"><br><a style="color: #2251ff; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/Featured-Insights/Destaques/pronto-para-decolar-as-novas-oportunidades-de-varejo-no-setor-aereo/pt?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf8&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=23f61251ff764cea87c7c596463657c5&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="52fa50d0a9f911eca4e64b1c157cc771"><span style="text-decoration: underline; line-height: 150%;"><span style="color: rgb(34, 81, 255); text-decoration: underline; line-height: 150%;">Alce voo</span></span></a></span><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1010_p3" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" style="padding: 0px 20px 16px 20px" class="pad20rl match"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: none; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p3_text" data-groupid="p3" class="mobile_match"><span style="font-size: 14px; line-height: 150%;">Esperamos que você goste dos artigos em português deste mês. E fica aqui nosso convite para explorar também os seguintes artigos em inglês.</span></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr></tbody></table></td></tr><tr><td><table role="presentation" bgcolor="#FFFFFF" width="640" border="0" align="center" cellpadding="0" cellspacing="0" class="wrap"><tbody><tr><td bgcolor="#FFFFFF"><section id="1001_divider" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 20px 36px 20px" class="pad20rl"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap" bgcolor="#000000"> <tbody><tr> <td style="line-height: 1px !important" align="center" valign="top"><img src="https://images.harmony.epsilon.com/ContentHandler/images?id=3f67ada7-a01e-4c02-ab71-8b46fd3106ae" height="1" style="display: block" border="0" alt=""></td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr><tr><td bgcolor="#FFFFFF"><section id="1010_p3" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" style="padding: 0px 20px 16px 20px" class="pad20rl match"><p style="font-size: 14px; mso-line-height-rule: exactly; line-height: 150%; margin: 0px; font-weight: normal; letter-spacing: 0px; text-transform: uppercase; color: #000000; font-family: Helvetica, Arial, sans-serif" enable-personalization="true" data-richtext="p3_text" data-groupid="p3" class="mobile_match"><strong><span style="font-size: 12px; color: #000000; line-height: 150%;"><a style="color: #000000; text-decoration: none; font-weight: inherit;" href="https://email.mckinsey.com/featured-insights/monthly-highlights?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bcf9&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=a55789421e3b4dc5a171eb89a4c01893&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="dfc15c91cc2d11ee936a5f759e224d68">ALSO New</a><br></span></strong></p></td> </tr> </tbody></table> </td> </tr> </tbody></table> </div> </section>  </td></tr></tbody></table></td></tr><tr><td><table role="presentation" bgcolor="#FFFFFF" width="640" border="0" align="center" cellpadding="0" cellspacing="0" class="wrap"><tbody><tr><td bgcolor="#FFFFFF"><section id="1009" layout-row="true"><div layout-row="true"><table layout-row="true" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF"> <tbody><tr layout-row="true"> <td valign="top" align="left"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" style="padding: 0px 20px 16px 20px" class="pad20rl match"><p style="font-size: 14px; 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padding: 0px 0px 0px 0px;">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF" class="wrap"> <tbody><tr> <td align="left" valign="top"> <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class=""> <tbody><tr> <td>  <table bgcolor="#ffffff" role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="center" valign="top" style="padding: 0px 0px 16px 0px" class="center" data-groupid="left_img">  <a href="https://email.mckinsey.com/featured-insights/mckinsey-explainers?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bd0b&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=648a8c3bfa1f442d9708114e8cb12fbe&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" data-managed-link="col1_link_url" target="_blank" data-link-id="5a493a80a13211efbd62ed6fec88713e"><img agilecontent="true" src="https://www.mckinsey.com/~/media/mckinsey/Featured%20Insights/McKinsey%20Explainers/McKinseyExplainers-flat-THUMB-1536x1536.jpg?mw=768&car=16:9" alt="Digital image of a circular, white maze filled with white semicircles" width="186" height="auto" class="wrap" style="display: block;" border="0"> </a>  </td> </tr> </tbody></table>  </td> </tr> </tbody></table> </td> </tr> <tr> <td valign="top">  <table role="presentation" width="100%" border="0" cellspacing="0" cellpadding="0" class="wrap"> <tbody><tr> <td align="left" valign="top" style="padding: 0px 0px 16px 0px;" class="match"> <h2 style="font-size: 14px; 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Read our 2018 classic “Value and resilience through better risk management.”</a><br><span style="color: #2251ff; text-decoration: underline; line-height: 150%;"><span style="line-height: 150%;"><span style="line-height: 150%;"><a style="color: rgb(34, 81, 255); font-weight: inherit; background-image: none; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-decoration: underline;" href="https://email.mckinsey.com/capabilities/risk-and-resilience/our-insights/value-and-resilience-through-better-risk-management?__hScId__=v7000001932bf6e1a9c69fe86e965fc958&__hRlId__=fc2a17447bb84f6f0000021ef3a0bd1e&__hDId__=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac&__hSD__=d3d3Lm1ja2luc2V5LmNvbQ==&cid=other-eml-rld-mip-mck&hlkid=2f90af2401f240098036f50b0d787253&hctky=1926&hdpid=fc2a1744-7bb8-4f6f-a24a-20cabbb7daac" target="_blank" rel="noopener" data-link-id="68322c19a13211efbd62ed6fec88713e">Rewind</a></span></span></span><br></span></p> </td> </tr> </tbody></table>  </td> </tr> </tbody></table>  </th> <th width="3.333333%" align="left" valign="top" style="font-weight: normal; 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