Letra da música:

It’s a new day, and a new year
Shout it out loud, sing with the crowd
Celebrate cause, good things are coming
New opportunities are at the door 

Hold your head up, drop the sorrow
No regrets now, for tomorrow
It’s a new chance, for a new life
Everything you’ve been waiting for 

The futures bright now
As things turn over
The possibilities
Around the corner 

New innovation,with new creation
All the good things we have in store 

Now it’s a brand new day
And it’s a brand new year
And there is hope in tomorrow
Now there’s nothing to fear
It’s not coming, yeah it’s already here 

Now it’s a brand new day
And it’s a brand new year
So sing and be happy
And share the good cheer
It’s not coming, yeah it’s already here 

It’s time to dream, bigger dreams
Where impossible is not hard as it seems
And live in high hopes, throughout your day
And know that happiness is quickly on it’s way 

We’re movin’ forward, we’re goin’ higher
We’re reachin’ things that we formerly just desired
Fun and excitement, it fills the air
And there’s more then enough, for us to share 

Now it’s a brand new day
And it’s a brand new year
And there is hope in tomorrow
Now there’s nothing to fear
It’s not coming, yeah it’s already here 

Yeah it’s a brand new day
And it’s a brand new year
So sing and be happy
And share the good cheer
It’s not coming, yeah it’s already here

Gostou? Partilhe nas redes sociais ou envie a alguém!

SOCIAL MEDIA IS COMING OF AGE
Social media and social networking are no longer in their infancy. Since the emergence of the first social
media networks some two decades ago, social media has continued to evolve and offer consumers
around the world new and meaningful ways to engage with the people, events, and brands that matter
to them. Now years later, social media is still growing rapidly and has become an integral part of our
daily lives. Today, social networking is truly a global phenomenon.
What’s driving the continued growth of social media?

MOBILE
More people are using smartphones and tablets to access social media. The personal computer is still
at the center of the social networking experience, but consumers are increasingly looking to other
devices to connect on social media. Time spent on mobile apps and the mobile web account for 63
percent of the year-over-year growth in overall time spent using social media. Forty-six percent of
social media users say they use their smartphone to access social media; 16 percent say they connect
to social media using a tablet. With more connectivity, consumers have more freedom to use social
media wherever and whenever they want.

PROLIFERATION
New social media sites continue to emerge and catch on. The number of social media networks
consumers can choose from has exploded, and too many sites to count are adding social features or
integration. While Facebook and Twitter continue to be among the most popular social networks,
Pinterest emerged as one of the breakout stars in social media for 2012, boasting the largest
year-over-year increase in both unique audience and time spent of any social network across PC,
mobile web, and apps.
How is consumer usage of social media evolving?

THE GLOBAL LIVING ROOM
Social TV is on the rise. The skyrocketing adoption and use of social media among consumers is
transforming TV-watching into a more immediate and shared experience. As of June 2012, more than
33 percent of Twitter users had actively tweeted about TV-related content. Some 44 percent of U.S.
tablet owners and 38 percent of U.S. smartphone owners use their devices daily to access social media
while watching television. In the Latin America region, more than 50 percent of consumers say they
interact with social media while watching TV; in the Middle East / Africa region, more than 60 percent
do. From global events like the Summer Olympics, to regional events like the Presidential debates in
the U.S., consumers around the world used social media to engage with everyone from close friends to
complete strangers, revolutionizing the television viewing experience.

SOCIAL CARE
Social Care is transforming customer service. Social media has emerged as an important channel
for customer service, with nearly half of U.S. consumers reaching out directly to brands and service
providers to voice their satisfaction or complaints, or simply to ask questions. In fact, one in three social
media users say they prefer to use social media rather than the phone for customer service issues.
How is social media impacting marketing?

SOCIAL WORD-OF-MOUTH
Social media enables consumers to generate and tap into the opinions of an exponentially larger
universe. While word-of-mouth has always been important, its scope was previously limited to the
people you knew and interacted with on a daily basis. Social media has removed that limitation and
given new power to consumers.

HYPER-INFORMED CONSUMERS
Social media is transforming the way that consumers across the globe make purchase decisions.
Consumers around the world are using social media to learn about other consumers’ experiences, find
more information about brands, products and services, and to find deals and purchase incentives.

OPPORTUNITY FOR ENGAGEMENT
Consumer attitudes toward advertising on social media are still evolving. Though roughly one-third
of social media users find ads on social networking sites more annoying than other types of Internet
advertisements, research suggest that there are opportunities for marketers to engage with consumers
via social media. More than a quarter of social media users say they are more likely to pay attention to
an ad shared by one of their social connections. Additionally, more than a quarter of consumers are ok
with seeing ads on social networking sites tailored to them based on their profile information.
Nielsen and NM Incite’s 2012 Social Media Report provides some insight into what is driving our
collective, global obsession with social media. In the following pages, you’ll get a more detailed
snapshot of what is helping to power the continued growth of social networking around the world,
how consumers’ social media behavior is evolving, and how these changes impact the way brands and
consumers engage through social networks.
-Deirdre Bannon
Social Media Practice Lead

O que precisa de saber para estar no Facebook, por Vasco Marques*
8 de Novembro de 2012 às 00:09:16, por MEIOS & PUBLICIDADE

O fenómeno Facebook é incontornável. Mais de 1000 milhões de pessoas no mundo já o usam e em Portugal, 90% das pessoas com acesso à Internet, têm conta na maior rede social do mundo. A história nunca viu nada parecido. Por isso, o seu negócio deve estar no Facebook da forma mais inteligente possível. Aqui ficam algumas dicas:
Imagens: Se partilhar um site, faça print screen da página acompanhado do respetivo link e descrição, desta forma vai conseguir atrair mais visitas. Se possível produza imagens tratadas no photoshop e coloque na descrição um url shortner (bit.ly) para fan-gate ou outro sítio. Sabia que 93% dos conteúdos mais virais, são fotos? Pode obter milhares de imagens gratuitas em: www.vascomarques.net/imagens
Fan-gate: Crie uma imagem apelativa para uma fan-gate (o utilizador tem de ser tornar fã para ver o conteúdo), indicando claramente a oferta. Pense… de certeza que tem algo interessante que os seus potenciais fãs querem muito. Pode usar um site social media de modo a disponibilizar esse recurso. A aplicação www.woobox.com é das mais interessantes para este objetivo.
email+fã: Ganhar um fã pode não ser suficiente, o e-mail também é importante. Para isso crie uma fan-gate com imagem apelativa, mas em vez de aparecer a oferta quando se torna fã, coloque o formulário da sua newsletter (e-goi, feedburner, aweber, etc), onde o fã irá receber o link com oferta na confirmação de inscrição. A newsletter é uma ferramenta ainda muito importante. Pode criar uma conta gratuita em: http://bit.ly/emailegoi
Integração
Site: Adicione a caixa gosto, botões addthis, registo pelo facebook, comentários ou o plugin do facebook para wordpress. Sabia que pode vender produtos digitais por um like? Basta utilizar plugins para que o utilizador tenha de clicar no gosto para conseguir fazer download do seu site, atraindo assim milhares de visitas.
Loja: Crie uma loja no wordpress (ou outro gestor de conteúdos – CMS) com um tema responsive (que se ajusta aos dispositivos e resoluções). Integre num separador do facebook, ficando com uma loja na sua página. Assim fica centralizada no seu site, mas irá funcionar no facebook, mobile, tablets, etc.
Social media: Existem muitos sites social media que são pouco conhecidos e merecem ser explorados. Aqui ficam algumas sugestões que tanto pode utilizar nos separadores da página como publicar no mural: issuu, coveritlive, cooliris, prezi, scribd, slideshare, google forms, docs, calendário, maps, box.net, ustream e soundcloud. Aproveite e faça publicidade gratuita no youtube com link para fan gate incluindo formulário para newsletter.
Mobile
Tem site mobile? Qual a percentagem de visitas mobile? Em 2013 haverá mais acessos via mobile do que pelo PC. E em Portugal o número de smartphones já está em metade da população. Do que está à esperar para tornar o seu negócio mobile?
Site: Crie site mobile. Pode usar um tema responsive, instalar plugins para criar site mobile ou recorrer a serviços de conversão. Crie o seu site mobile gratuito em www.howtogomo.com
Landing page: Também é fundamental ter uma página de destino otimizada para telemóveis. Já imaginou quando envia uma campanha de SMS? Ou se partilha uma promoção no Facebook, sendo que 60% dos utilizadores que vão clicar, provavelmente estão a aceder por um smartphone? Crie uma landing page para cada campanha nova aqui, simples e sem custos: http://sites.google.com/mobilize
Nenhuma destas dicas implica investimento necessariamente, embora seja recomendável para ter ainda melhores resultados. Comece agora, implemente e acompanhe as métricas.
* Portal do Sucesso

Fonte: http://www.meiosepublicidade.pt/2012/11/o-que-precisa-de-saber-para-estar-no-facebook-por-vasco-marques/

Office 2013 News
This article was written in Word 2013 with the new spell checker! Don’t know why, but the keys move faster…
Everyone is talking about it (in the technological field…). The new Office 2013 will be, probably, launched in October. Until then you may test it for free, simply by downloading it and you can install simultaneous with Office 2010 (you should choose 32 or 64 bits according to the version you already have on your computer): http://www.microsoft.com/brasil/office-preview/pt/try-office-preview
Office 2013 Overview (video)
The easiness to store and share online it’s a great asset. Share by email, facebook or linkedin, invite people to see or edit through a link, present online or publish on a blog.
What about PDFs? Now you can open, edit and convert again into PDF or keep in other Office format. Not only for those documents which you lost the editable version, as for other PDFs that were not created by the user, in which you can edit headers, tables, objects, graphics as if created by the start (but attention, there are no miracles…). Surely you have heard many people asking this question in places where there was not a simple answer to the common user, leaving him on a Zen mode trying to understand a more complex answer. Now it’s easy.
It is yet unclear if it will work only on the Microsoft tablet (Surface) or if it will be available, for instance, on iPad and Android. It makes sense that gets available on all platforms, but the fidelity to Steve Ballmer is likely to prevail.
From the outset, the amazing interface stands out, ready for tablets and with touch screen. Moreover, it has Cloud and Collaboration integrated features, allowing starting on computer, continuing on laptop and finishing on other device, through sync in skydrive or sharepoint to companies. The possibility to shrink tabs at top (ribbon) and switch to full screen mode simplifies the work.
Cloud and Collaboration (video)
Word has the Read mode, very handy to read documents, and you only need to swipe left or right with your finger to move from page to page. Since the document is saved online, when you open it in other device you will go to the page where you had left, because this information is saved automatically. New tools of images and objects alignment facilitate the elements position on the text (sometimes difficult in previous versions).

Outlook
Very simple and clean Outlook with considerable usability improvements. You may respond easily to an email, starting right away to write at the email itself after click Reply. For those who need help to organize the daily routine, now you just need mouseover at the calendar to see the info. The integration with social media and contacts is noticed in Outlook, being transversal to the entire Office. If you forget to attach a file you get a notice (Outlook detects based on the particular text) and your calendar will have a remaining time indicator accordingly to the place with a scheduled appointment – something very required by the users. And if the user is not at the office, receives a remind so he may send the message through other via (by chat, for instance) to obtain an answer more quickly.
Power Point presents a great evolution, mainly in the presentation mode with touch interface and more useful information to the speaker, to simplify the task. You may choose a model, at the beginning, that by default is in 16:9 format (previous was 4:3) simplifying the life to whom wants to export their presentation to video format to youtube (such as power point 2010 exports to format hd720 and not to hd1080), keeping animations, music and transitions, something simple but very powerful to promote your business. With Power Point 2010 you could already convert to video, but needed to switch to 16:9, which would render an unformatted presentation, making thus difficult the simple task of standardization to export. Since its usual to find video projectors in 16:9, it’s a good idea to apply this standard. And given that presentations live from images, you can now directly insert your facebook or flickr images without saving them first at the disc – it makes sense.
Excel with good templates, data presentation and new tools. To be noted the easy way to insert and formatting graphics. Accordingly to the data you are inserting, you may fill in the rest of the table automatically suggested by the detected pattern. With a right click, now arise numerous suggestions to conditional and automatic formatting, tools, graphics and other enhanced improvements. Power View shows shortly a data set easily customized in a way you can display at a work meeting.
Excel 2013 (video)
An entire interface with touch screen. You can zoom objects like in the other touch devices or using the tools. The review is now more intuitive, with the comments near the text, being easy to follow the discussion and improve the document.
I remember to use skydrive years ago, before its competitors became popular and when msn was the leader. This tool interacted with contacts, so we could share folders and files. It was always interesting, but I believe only now Microsoft learned how to truly promote this service, incorporating in the cloud productivity solution.
Although companies are the main focus, the Office 365 version, accessible by subscription, may arouse interest to users willing to pay a small amount to use it online.
I think smartphones are fantastic and mobile is a reality that simplifies almost everything. Tablets fulfill many needs. But to seriously work I still need a physical keyboard and a good mouse.

I’m from the time when computers had no mouse and now we lose it again?

Despite being only 7 years old, became the 3rd most visited website in the world. Each passing minute are sent over 60 hours of videos and are viewed 4 billion videos daily, with 600 million views via smartphone.
I remember when youtubewas launched I found the concept an utopia: a website based on sharing of the users' videos - and who will take the trouble of sharing videos? What was only for some, few years ago, now is solved with one finger and anywhere. A great idea before its time is a lie. Like the first social network in the late '90s, when photos had to be sent by post to be scanned because the digital images were still a dream - no wonder that even after the dot.com bubble, the SixDegrees has been purchased and went bankrupt shortly after.
The video sharing site appeared at a time when the bandwidth start to increase, not only a good video camera became acceptable, as it start to be in everyone's pocket or incorporated in many other devices. Time has shown that after all had everything to work out and Google signed off.
A good presence on facebook is not enough, it’s necessary to blend with other communication channels online and offline. To be on Youtube it’s mandatory!
Let's present here some practical tips, to save you time, on how to improve your presence, thus increasing visits to your website and possibly better results in your Marketing Strategy. Warning, do not expect fast results, but instead a lot of work, that being developed in consistent way it can reap, sooner or later!
To customize the youtube channel, is the first step

• Choose the layout and type of channel, you may see here www.youtube.com/user/vascomarques2009  an example fully customized;
• Add a description, social networks and personal and professional web addresses;
• Take advantage of the highlighted channels, where you can promote partners, benefiting both, because whenever someone subscribes you, are immediately presented suggestions to other highlighted subscription;
• Create playlists (reproduction lists) of the videos sent according the themes;
• Create and upload a background image customized to the channel;
• Define also your channel image (avatar). Please note that you can use images with PNG extension, since it allows to use transparency, which has creative and differentiating usefulness (like the twitter);
• Define a start video of the channel, that may give a temporary emphasize;
• It’s possible to make money receiving a part of the revenues generated with publicity, related to your videos, getting also extra features at your channel. Unfortunately, is not yet available in Portugal, but you may see more information here if you live in another country.

Online video editor

• Cut and separate videos directly online at youtube. Particularly interesting if you have a video of an event that, despite it last only 30 minutes or 1 hour, can keep it and create several others from this one, containing different titles and keywords optimize for search, having yet the advantage to interpret the statistics that will tell you which part of the conference generates more interest;
• Make quick corrections of image, color, bright and contrast stabilization. Moreover, you may also use effects and add several videos, generating a new one.

Create and edit videos
“But I don’t know how to create and edit a video…” that’s the thought that may be still in your neurons social network. Use MS Power Point 2010 to convert a presentation of yours into video HD720. For this you just need to convert from 4:3 into 16:9 format before creating the presentation. Make something simple, sober and creative. Convert it into video and be amazed with the results. If you want to create slideshows, add images, other videos, background music, narrations, titles, subtitles and other critical features, use the new Windows Movie Maker 2011, a really fine and free version to whom have no time to lose. It may seem amateurs’ tips, and indeed they are, but with your good taste you’ll get unthinkable results in very short time. If you want to create true videos, you may use Avid Studio or, at Hollywood style, Adobe Premiere and After Effects. If you have a poor quality video, the solution is: do not publish it on youtube!
Publish only good videos, both in its content as in visualization. At least in HD720, a bitrate of 6Mbits and excellent sound.
The video
If you decide to add subtitles to the video, that’s a good choice. It’s just need to upload the corresponding text file in the source language, giving the possibility to have automatic translation for infinite other languages, thereby enlarging the sea of opportunities that enables you to cross the world.
“Notes” can also be used inside videos allowing, among others, to create links between videos and, more important, a direct link to your channel subscription. Remind that obtaining other subscriptions allow you a faster grow, since they will be notified when you upload a new video, increasing the chance of an exponential growth.
Always answer to all video’s comments. It’s the only way to get a community truly connected and alert, attracting more web attention and significance.
Google Insights is a highly advisable tool, useful to know the seasonal demand of a product, name definition to domains and companies, publicity, article creation and, in this case, to name videos based on the most searched words.
If you want to go further, search for videos related with your area of interest or professional, sort by most video viewed criteria, and click in the one related to some that you had already published. Use the “reply with video” feature, choose a really relevant video for that, so it may be approved, and get extra visualizations through a large audience already achieved.
As golden rule, besides assigning a good name to the video, tags and description, add the direct link in the description for more information about the video, only being clickable if you put http:// before the web address. It’s a small tip but unknown for most users and companies.
Website
If possible create an article at the site, embed the video and write a few but important lines. Then, place that article URL into the video description, ensuring thus, at Google spiders’ eyes, that the video is yours and that the SEO (Search Engine Optimization) will bring you more visits. You may also create a video that helps to illustrate the site’s content, like the video attached to this article.
There are pluggings to Wordpress and extensions to Joomla, very interesting, if you want to use one of these CMS.
Some ideas on what you may publish

• Funny video, unusual, authentic, share of knowledge, emotional, etc
• Tell stories (by episode)
• Slideshow of an event
• Convert a Power Point presentation into video
• An extract of a training or a private event
• Corporate presentation
• Service or product promotion
• Presentation or help on how to use a site or software.

Embed into facebook

• Share videos with link at description, in order the network effect increase the visits of your website (share also at twitter and linkedin)
• Embed the youtube channel into facebook, through an app in one of the tabs
• Even if in some cases post videos at facebook it’s easier, always upload at youtube, since you have more advantages. Although facebook videos have other advantages regarding the youtube (privacy, thumbnails, visibility, length, identification, etc).

Statistics
The new statistics are very powerful. In Google Analytics style, discover valuable data through the indicators that give you information to adapt your Video Marketing strategy.
Start now editing video with the help of this first steps manual: the Youtube Playbook
Did you know that’s already possible to insert ads into videos for free? It’s a feature, not a bug!

HOW IS YOUR FACEBOOK PAGE?
Its fine, thank you – is the usual reply. Is it really? In fact, most of them do not meet the minimum requirements. It doesn’t take much effort, you just need to spend some time for the results to appear.

Do not read this article if you are an expert on the subject. We will introduce some basic tips. What you cannot fail to have, those things without which you do not meet the conditions even to advertise on facebook in the most efficient way. It would be like to advertise on Google without a well prepared website – most often the reality.
Check if you meet these basic requirements, organized by order of implementation:

Tips for facebook page

1 – Planning
2 – Creative cover
3 – Fill the chronology
4 – New tabs
5 – Type of posts
6 – Optimized images
7 – Conquerors videos
8 – Boost the page
9 – Think mobile
10 – Create fan-gate
11 – Highlight and pin posts
12 – Capture emails from fans
13 – Configure location
14 – Follow up the statistics
15 – People talking about this?
16 – Does it reach 20% of the fans?
17 – Automatic VS manual
18 – Integrated website
19 – Social Media
20 – Testing…


1. Set a quarterly, monthly and weekly plan. On the quarterly plan register the posts that make sense to be already related to some dates. On the monthly you may add more posts and details. On the weekly plan you should have as much information as possible: type of content, time, register metrics, tests and other information. There is always room for something unexpected and according to what is happening.

2. Simple, creative, unique cover and adapted to the page. Without incentive to “like”, buy or advertise services.

3. Fill in the page chronology with events, milestones and history of the company. Finish this process by creating a video with www.timelinemoviemaker.com

4. Have at least three tabs well customized with the respective thumbnails adjusted. The photo section is the only one you can not remove. But if you upload an image with an icon or an arrow of the size of that tab, even that tab may temporarily change the layout.
5. If you publish three posts per day, make two of them to be of interesting content to the fans (about segment, curiosities, knowledge, value) and, eventually, one with business component related to your company. Try the new feature released August 30, 2012, which allows you to choose the target audience and, that way, to increase the fans’ involvement if you launch customized publications accordingly to the filters.
6. Use amazing pictures containing a description with information and link related or customized of your facebook page. You may also add an address to the picture (with a basic image editor). If you need to share something from your website make a print screen and share with an explanation and direct link, in order to have more visits. By the way, use bit.ly and find out at what time you receive more clicks.
7. Surprise with a good video of two minutes. If you have the media, create your own videos or use others, as long as they are of extreme importance.

8. Boost the page interacting, asking, encouraging comments and sharing. Be authentic, create value and a good relationship with everyone, replying to all posts.
9. Think on the mobile users and test the content visibility: images (very important on smartphones), videos and texts.

10. Create a fan-gate (only fans can see certain contents) and offer something that the users really want. An ebook, a video, download, document… there’s such good content on the web that you have no excuses, even if you are not able to produce something.

11. Use the option “Pin to top” to pinning for a week and “Highlight” to expand the content in all the timeline width. It can work as a banner with link to one of the tabs, or as a fan-page increasing even more the number of fans. Don’t forget that is fundamental to scale images with the right size.

12. Capture emails from fans with a woobox, that by registering the email they receive certain content. Use a newsletter service to communicate with them.

13. If your page represents a local business include the address in order to show up in the map, to be identified as a location in posts and access to additional features.

14. Follow up the statistics and adjust the dynamic accordingly. Do you know which the more viral posts are?

15. If the metrics “People talking about this” is above the 15%, the content’s propagation is good.

16. Does it reach 20% of the fans? If the number is much lower consider rethink the communication plan.

17. If you have auto posts from RSS use the www.dlvr.it, but try most posts to be manual and related to what the community need, in real time.

18. A facebook page is very important, but your website is more. If you don’t have one yet, make this a priority goal, optimizing already for mobile devices (smartphones and tablets). There are many interesting options, such as Wordpress and Joomla. Integrate the website with facebook and update the blog weekly. Then, put the URL visible in the “About” section of the facebook page.
19. Create accounts on other social networks: twitter, linkedin, slideshare, scribd,
flickr, pinterest, youtube, issuu and google+ and share manually or automatically the news.

20. Test new ideas daily, based on your creativity, statistics and many knowledge on the subjects circulating on the web. You may sign up this group where hundreds of members share ideas: www.facebook.com/groups/redes.sociais.empresas
Although these are critical tips, its necessary knowledge in several complementary areas. If your facebook page meet these tips, congratulations! You may step to the next level.

I challenge you to make a diagnosis and answer with the link of your page the score obtained: www.likealyzer.com . If you get more than 80, congratulations!


Source: http://uploadlisboa....agina-facebook/



Este artigo foi traduzido por Dani Melo
http://comtextual.wordpress.com/ 

Clique no vídeo para ver, ou navegue na galeria para escolher um dos top vídeos mais vistos no mundo

1 - PSY – GANGNAM STYLE
2 - Somebody That I Used to Know – Walk off the Earth (Gotye – Cover)
3- KONY 2012
4 - “Call Me Maybe” by Carly Rae Jepsen
5 - Barack Obama vs Mitt Romney. Epic Rap Battles Of History Season 2.
6 - A DRAMATIC SURPRISE ON A QUIET SQUARE
7 - WHY YOU ASKING ALL THEM QUESTIONS? .. #FCHW
8 - Dubstep Violin- Lindsey Stirling- Crystallize
9 - Facebook Parenting: For the troubled teen
10 - Felix Baumgartner’s supersonic freefall from 128k’ – Mission Highlights

Veja também top vídeos de outros países e categorias aqui.

Moda & Beleza, comédia, desporto e de dezens de países.

Veja também o top 2011 aqui.

Veja também o canal Youtube Trends

An Introductory Guide: How to Use Facebook for Business

Facebook is the world's most popular social network, for both businesses and individuals. With over one billion users, your friends and fans are likely already using the platform -- and you should be too!

In fact, customers are 51% more likely to make a purchase after 'liking' a brand on Facebook. If you want to get started with Facebook, or simply brush up on your Facebook marketing skills, read our introductory guide to start preparing yourself for customer conversion.

After reading this 61-page ebook on Facebook, you'll be able to:

-Create a personal profile and/or business page
-Join groups and networks that are interesting to you
-Promote your page to attract fans and customers
-Generate leads with marketing best practices
-Measure your Facebook success

Os pagamentos digitais e as compras online constituem
uma realidade cada vez mais relevante no contexto dos
pagamentos electrónicos em Portugal.

O MULTIBANCO, que está perfeitamente enraizado na sociedade
portuguesa e é hoje uma referência internacional, colocou
Portugal no mapa dos países tecnologicamente mais avançados
ao nível dos pagamentos electrónicos. Aliás, segundo o Banco de
Portugal, o MULTIBANCO permite poupar 750 milhões de euros à
economia portuguesa.

Este relatório apresenta, assim, um conjunto de estatísticas sobre
o panorama dos pagamentos electrónicos em Portugal e enquadra
nessa realidade o comportamento dos consumidores relativamente
às compras online (pagamentos electrónicos não
presenciais). São apresentados dados estruturados sobre as compras
efectuadas a partir de Portugal, com cartões emitidos em
Portugal, montantes e destinos dessas compras e principais tendências
que envolvem os pagamentos digitais.
Em resumo:

1 Em Dezembro de 2011, a Rede MULTIBANCO era composta
por 14 mil Caixas Automáticos (CA MULTIBANCO)
e mais de 275 mil Terminais de Pagamento (TPA
MULTIBANCO), representando cerca de 93,6% do total das
transacções realizadas. Em 2011 foram movimentados
através de CA cerca de 53 mil milhões de euros e em TPA
mais de 30 mil milhões de euros. Em 2011 cada português
detinha uma média de 2 cartões bancários, num total de
19 milhões, com os quais efectuaram 2 mil milhões de
transacções num valor total de cerca de 100 mil milhões
de euros, o equivalente a 58,5% do PIB nacional.

2 Há uma adesão massiva aos pagamentos electrónicos nos
canais presenciais (CA e TPA), o que ainda não se verifica
no universo online. De acordo com dados da SIBS, do total
de compras pagas com recurso a cartão bancário, apenas
1,2% decorrem de compras efectuadas online. Apesar de
ser um valor reduzido, trata-se de uma evolução notória
se tivermos por referência dados de 2007 e a taxa de crescimento
face à média da UE-27. No que se refere ao comportamento
das compras online, verifica-se que este é
totalmente distinto das compras presenciais.

3 O comércio electrónico em Portugal, apresenta uma percentagem
superior à média europeia – 19% das empresas
declararam ter o seu comércio electrónico activo contra
15% ao nível Europeu. Contudo, a maioria das vendas
online das empresas nacionais têm como destino o mercado
interno, pelo que são ainda poucas as empresas a
tirar partido do potencial de globalização que a internet
oferece.

4 A pensar no anseio de muitos portugueses, para quem
a segurança é um factor crítico na decisão de comprar
online, a SIBS lançou em Setembro de 2001 o MB NET, um
instrumento inovador que permite a realização de compras
não presenciais com garantias acrescidas de segurança,
através da geração de cartões temporários. Um
estudo realizado em 2009 pelo INE, revela que 57% dos
portugueses referem uma preocupação com a segurança
dos pagamentos como a principal razão para não efectuarem
encomendas de bens ou serviço pela internet.

5 As compras online apresentam uma tendência irreversível
de crescimento a nível global. Portugal não é
excepção e tem acompanhado esta tendência de forma
positiva, quando comparada com a média da UE. A generalização
do acesso à internet em Portugal constitui-se,
ainda, como um indicador revelador do potencial de crescimento
para as compras online. Consciente deste desafio
a SIBS tem vindo a desenvolver um conjunto de novas
soluções que adoptam os standards de segurança mais
modernos.