Andres Zambrano Bravo is a Berlin-based freelance journalist who loves to ask why. He loves puzzles and seeks answers to social phenomena and trends, helping researchers, companies, and artists to also find their voice along the way. When not annoying people with questions, you can find him spinning records in one of Berlin’s smoky venues.

In the turbulent economic environment, money is losing its value. Consumers are reevaluating their spending across sectors. With a looming crisis of trust in financial institutions, how are people managing their budgets? And how can brands navigate the complex relationship between value and cost?

Critical Spenders

As the new post-pandemic normal settles in and people adapt to a context of uncertainty, constant adversities, and pessimism, we are moving away from a moment in which consumers expected brands to rise up to society's challenges and into one when they’re demanding genuine allyship from businesses.

Shared Values

Raul Zambrano is an ICT e-governance expert who previously worked at the UNDP. For the last 25 years, he’s supported the deployment and use of information and communications technology (ICT) in over 90 developing countries to foster development agendas and promote social inclusion.

Brazil

Banking and payments

The World Bank

Interview with Raul Zambrano conducted by the author

Fintech Futures

TechCrunch

Global Newswire PR

Valor International

Statista

Thunes

Ebanx

Bank of America

World Economic Forum

With a focus on low-income workers and microentrepreneurs, the Brazilian neo-bank Neon is leveraging technology, fee-free digital banking, and comprehensive financial education initiatives to empower millions of underserved and unbanked Brazilians to take control of their finances.