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Encontro promovido pela CT Prestação de Serviços é sucesso em São Paulo

17/05/2016 Redação ABES

Da esq. para a dir. Helio Padula Filho, diretor da ABES- SP, Juliana Almeida Dutra, coordenadora adjunta da Câmara, Dante Ragazzi Pauli, presidente nacional da ABES, Samanta Tavares de Souza, coordenadora da Câmara, Antonio Carlos Lino, diretor da ABES-SP.

A Câmara Temática de Prestação de Serviços e Relacionamentos com clientes do Saneamento promoveu, no dia 12 de maio, em São Paulo, o seminário “Estratégia de Recuperação de Crédito – Como Reduzir a Inadimplência em Tempos de Crise”.

O evento, sucesso de participação, reuniu empresas que têm grande reflexo no impacto da inadimplência nacional nos setores de varejo, energia elétrica, água e gás, entre outros. Coordenada por Samanta Souza e Juliana Almeida Dutra (adjunta), a CT demonstrou sintonia com a conjuntura do país, ao promover o debate em torno de um tema tão presente na atualidade dos serviços e dos negócios em geral no Brasil.

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Dante Ragazzi Pauli, presidente nacional da ABES

O seminário teve abertura do presidente nacional da ABES, Dante Ragazzi Pauli, que contou um pouco sobre a história da entidade, que celebra este ano seu cinquentenário. “A história da ABES é gloriosa, um trabalho feito por todos nós de forma absolutamente voluntária. É um trabalho que dignifica e abre o horizonte, visões para entendermos melhor as mazelas do setor de saneamento no Brasil. Em seus quase 50 anos, a ABES sempre participou das discussões políticas, buscando formas de levar o saneamento, como na criação da Lei de Saneamento, que está em vigência e ainda com aspectos que devem ser melhorados com o passar do tempo.”

As discussões foram abertas com a palestra do economista Rogério César de Souza, professor do Departamento de Economia da Pontifícia Universidade Católica de São Paulo – PUC/SP, que discorreu sobre a conjuntura econômica. “É um momento difícil. Estamos vivendo uma crise severa na economia brasileira e o mundo lá fora não está ajudando. A crise política afetou bastante a economia. As discussões importantes foram paralisadas, o próprio governo não conseguiu passar nada, ficou no Congresso e para piorar tivemos algumas pautas bomba. O problema não era o governo e isso dificulta a economia.”

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Jerson Kelman, presidente da Sabesp

O presidente da Sabesp, Jerson Kelman, que abordou o tema “A importância dos resultados financeiros no Ambiente Regulado”, destacou que “mais importante do que os resultados econômicos é a segurança hídrica da população. Mas na crise a ordem é economizar água e isso diminuiu os lucros”. E o meio de obtê-los, neste caso, para garantir novos investimentos, é a cobrança de tarifas.

Kelman frisou que a percepção da população, da classe política e da mídia sobre a questão dos lucros é deturpada. “Temos que ter uma forma de conseguir comunicar que a empresa dar lucro é muito bom, pois sem lucros não há como investir [no saneamento].”

Dante Ragazzi Pauli, Jerson Kelman e Rogério César de Souza responderam, ao final da primeira etapa do evento, às perguntas da plateia.

 

Tecnologia e inovação

Diversos exemplos de uso da tecnologia e inovação no relacionamento com o cliente foram apresentados na segunda parte do Seminário.
Nelson Tiemann, da N. Opportunity Consulting, que falou sobre tecnologias e soluções para o mercado, ressaltou que “cobrança é a arte de vender para o cliente a sua própria dívida”. “Temos grandes clientes varejistas e não adianta ter uma boa equipe de cobrança e não ter estratégia e fidelização do cliente. Tem que haver regras, variáveis para definir as estratégias e os riscos, a segmentação do contrato e da carteira de cliente, direcionar o tempo para cobrar o cliente de acordo com a data de pagamento em atraso. É necessário usar a inteligência, a criatividade e estratégias de marketing para realizar a cobrança”, explicou.

Em sua palestra, “Estratégias de cobrança e combate à inadimplência – Desafio para o saneamento”, Carlos Eduardo Tavares, do Grupo Águas do Brasil, descreveu o momento extremamente desafiador devido à crise econômica, que está refletindo na prestação de serviços como um todo. “A inadimplência atinge cerca de 60 milhões de brasileiros e a taxa de número de títulos protestados é de 16,4%, segundo o Boa Vista SCPC. O momento atual exige maior eficiência da área de cobrança, os clientes tentam administrar o dinheiro e definir a prioridade de pagamento. É necessário conhecer, analisar, definir e segmentar o cliente de acordo com o seu perfil e consumo. A forma de se comunicar com o cliente deve buscar a negociação e a sua fidelização”. O palestrante ressaltou ainda que a tecnologia trouxe mudanças no perfil do cliente e na forma de cobrança. “A empresa deve investir em outras formas de relacionamento, inovar, elaborar estratégias e estar atenta às mudanças do mercado.”

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Carlos Eduardo Tavares de Castro, diretor corporativo comercial do Grupo Águas do Brasil

Representando a Comgás, Jefferson Meirelles relatou a experiência da empresa, que criou a área de gestão de cobrança com o objetivo de manter, ganhar clientes, entender as suas necessidades e garantir a base de remuneração. “O lucro permite fazer investimento futuro. Todas as áreas da Comgas são responsáveis pela cobrança e a negociação com o cliente é direta. A mudança estrutural permitiu manter o relacionamento com o consumidor para ter mais independência nas ações, identificar o cliente inadimplente e definir novos modelos de recuperação dos valores.”

Para Luciene Gonzales, gerente de Departamento da Diretoria Metropolitana da Sabesp, num cenário em que o consumidor está pessimista em relação às suas expectativas econômicas, tanto para o país quanto pessoal, com a taxa de desemprego crescendo em regiões metropolitanas, o poder de compra e pagamento é cada vez menor. “As pesquisas qualitativas mostram que o consumidor considera que o serviço oferecido é essencial, o preço é justo, mas não prioriza o seu pagamento, já que a cobrança é feita após 45 dias enquanto as demais o fazem após o quinto dia útil. A interrupção do serviço é um critério de decisão. O objetivo é aperfeiçoar o processo de cobrança com vista em antecipação da receita e do corte, implemento de arrecadação e redução de custo do processo e da taxa de inadimplência de 12% para 7%”, ressaltou.

A palestrante explicou ainda que as ações são aperfeiçoadas de acordo com o cenário atual. “É necessário fazer mudanças nos planos de cobranças. A campanha Acertando as suas contas com a Sabesp, promovida em novembro e dezembro de 2015, reduziu a taxa de inadimplência de 16% para 7%. As ações foram feitas em conjunto pela área comercial e de cobrança para ter uma aproximação com o cliente e negociar o pagamento da dívida”. Luciene contou à plateia que um projeto piloto está sendo testado em algumas regiões, principalmente das áreas de risco de São Paulo. “Houve uma redução de 53% na taxa de inadimplência e 42% débitos em abertos. O momento é de criar novas formas de cobrança, tem que buscar, entender e manter relacionamento o relacionamento com o cliente para reduzir a inadimplência.”

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Juliana Almeida Dutra, coordenadora-adjunta da Câmara Temática Prestação de Serviços no Saneamento da ABES e diretora de projetos da Deep

A coordenadora adjunta da Câmara e diretora de projetos da Deep – Desenvolvimento e Envolvimento Estratégico de Pessoas e Clientes, Juliana Almeida Dutra, abordou o futuro da cobrança em áreas de baixa renda – tecnologia, modelo de negócio e novo repertório. “Estudamos a forma de se relacionar com o cliente antes dele deixar de pagar. Também estudamos a forma de recuperar diversos tipos de pagamento que ele deixou de fazer e valorizar o serviço. O público trabalhado nesse estudo é das classes C-, D e E, que têm potencial de endividamento”, disse.

No Brasil, como explicou Juliana, 40,37% da população é considerada de baixa renda com renda familiar entre R$648,00 e R$3.890,00 por mês. “Os consumidores de áreas de baixa renda foram estudados para entendermos o comprometimento da renda fixa e entender o limite de comprometimento e endividamento dessas pessoas que gira em torno de 15% a 35%. A baixa renda é definida não só pelo quanto a pessoa ganha, mas pelo valor, cultura, estilo de vida e hábitos de consumo. Há uma ordem de prioridades ao fazer pagamentos de acordo com as necessidades e vontades.”

Juliana contou ainda que em nos programas desenvolvidos com foco nesse público são adotadas medidas para diminuir a inadimplência com financiamento da dívida e acompanhamento social. “Colocamos à disposição do consumidor um medidor pré-pago para o cliente controlar a meta de consumo e o valor de quanto pode gastar.”

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Na plateia, Dante Ragazzi Pauli e Jerson Kelman

José Carlos Reis, gerente de Gestão de Cobrança & de STC da AES Eletropaulo, apresentou dados de uma pesquisa do Data Popular, segundo a qual são quatro os perfis de inadimplentes de áreas críticas: aproveitadores, impossibilitados, escorregadios e desconfiados. “Uma série de ações e medidas foi realizada de acordo com o perfil do inadimplente, como por exemplo, cobrança porta a porta, feira de negociação, carnê de pagamento, política especial de desconto, troca de lâmpadas e geladeiras, reforma da instalação e programas sociais”, explicou.
Outra ação adotada foi a possibilidade de realização da troca de recicláveis por créditos na conta de energia (Recicle Mais Pague Menos!). “Para os próximos anos, embora as perspectivas econômicas indiquem grandes desafios, acreditamos que com ações que levem ao uso eficiente da energia elétrica e, principalmente, com a implementação do Pré-Pagamento, será possível assegurar uma operação sustentável nas comunidades regularizadas.”

Na SANEPAR, segundo Luiz Carlos Braz de Jesus, gerente comercial e de marketing, a pendência é em torno de R$180 milhões: poder público (42%), clientes particulares ativos (40%) e clientes particulares inativos (18,17%).
“Uma das ações que está dando resultado para acabar com a inadimplência é a fita adesiva/obturador, como um aviso de cobrança, pois reduziu a inadimplência em 12,5%. O poder público municipal é o maior devedor da SANEPAR. Para este segmento foi criado um programa de recuperação de crédito para acabar com a inadimplência.”

todo
Da esq. para a dir. Luiz Carlos Braz de Jesus, gerente comercial e marketing da Sanepar; Laércio Oliveira, da Collection Hub; Samanta Tavares de Souza; coordenadora da CT, Roberval Tavares, membro da Diretoria Nacional da ABES e Juliana Dutra, coordenadora adjunta da Câmara.

Ao final da segunda etapa, um mesa de discussão reuniu as coordenadoras da Câmara, Samanta Tavares de Souza (que mediou o debate) e Juliana Almeida Dutra, Roberval Tavares de Souza, superintendente da Unidade de Negócios Sul (MS) da Sabesp e membro da Diretoria Nacional da ABES, Luiz Carlos Braz de Jesus, gerente comercial e de marketing da SANEPAR, e Laércio Oliveira, da Collection Hub.
Roberval destacou que a população ainda não prioriza o pagamento da conta de água, apesar de tratar-se de um bem essencial. “Precisamos buscar estratégias que reflitam a essencialidade dos serviços na priorização do pagamento dentro do planejamento financeiro das famílias”.

Para Laercio, as estratégias de cobrança devem mudar de acordo com o cenário e o perfil do cliente. “É preciso manter o relacionamento com o cliente, utilizar estratégia multicanal, a inteligência analítica a partir de dados. A tecnologia ajuda a superar desafios e a se relacionar com os clientes.”

O presidente da ABES-SP, Alceu Guérios Bittencourt, que encerrou o seminário, ressaltou que “a questão da qualidade da prestação de serviço, da relação com o cliente visa viabilidade econômica das entidades que operam o serviço no ambiente regular – como foi a discussão – é central para nós e o evento simboliza a ABES na sua amplitude de questões de saneamento e meio ambiente”. Os eventos deste ano visam à preparação do Congresso Nacional da ABES, como explicou Alceu. “Para nós, é muito importante a estreita colaboração entre a Seção São Paulo e a Diretoria Nacional da ABES.”

O presidente nacional da ABES, Dante Ragazzi Pauli, elogiou a pertinência do tema do seminário. “Vivemos um momento difícil, além da conjuntura política, uma crise econômica violenta. A diversidade dos palestrantes, das suas áreas de atuação setor público e privado foi importante para o sucesso do evento.”.

Para a coordenadora da Câmara, Samanta Tavares de Souza, o objetivo do encontro foi plenamente atingido. “Trouxemos diversos olhares para o mesmo tema, o que propiciou aos participantes uma visão abrangente, o que promoverá melhorias nos processos de cobrança no mercado do saneamento, sempre buscando bons resultados com vistas na expansão e melhoria da qualidade dos serviços prestados.”

496 Comentários em Encontro promovido pela CT Prestação de Serviços é sucesso em São Paulo

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  7. 外送茶
    外送茶是什麼？禁忌、價格、茶妹等級、術語等..老司機告訴你！

    外送茶是什麼？
    外送茶、外約、叫小姐是一樣的東西。簡單來說就是在通訊軟體與茶莊聯絡，選好自己喜歡的妹子後，茶莊會像送飲料這樣把妹子派送到您指定的汽車旅館、酒店、飯店等交易地點。您只需要在您指定的地點等待，妹妹到達後，就可以開心的開始一場美麗的約會。

    外送茶種類

    學生兼職的稱為清新書香茶
    日本女孩稱為清涼綠茶
    俄羅斯女孩被稱為金酥麻茶
    韓國女孩稱為超細滑人參茶

    外送茶價格

    外送茶的客戶相當廣泛，包括中小企業主、自營商、醫生和各行業的精英，像是工程師等等。在台北和新北地區，他們的消費指數大約在 7000 到 10000 元之間，而在中南部則通常在 4000 到 8000 元之間。

    對於一般上班族和藍領階層的客人來說，建議可以考慮稍微低消一點，比如在北部約 6000 元左右，中南部約 4000 元左右。這個價位的茶妹大多是新手兼職，但有潛力。

    不同地區的客人可以根據自己的經濟能力和喜好選擇適合自己的價位範圍，以免感到不滿意。物價上漲是一個普遍現象，受到地區和經濟情況等因素的影響，茶莊的成本也在上升，因此價格調整是合理的。

    外送茶外約流程

    加入LINE：加入外送茶官方LINE，客服隨時為你服務。茶莊一般在中午 12 點到凌晨 3 點營業。
    告知所在地區：聯絡客服後，告訴他們約會地點，他們會幫你快速找到附近的茶妹。
    溝通閒聊：有任何約妹問題或需要查看妹妹資訊，都能得到詳盡的幫助。
    提供預算：告訴客服你的預算，他們會找到最適合你的茶妹。
    提早預約：提早預約比較好配合你的空檔時間，也不用怕到時候約不到你想要的茶妹。

    外送茶術語

    喝茶術語就像是進入茶道的第一步，就像是蓋房子打地基一樣。在這裡，我們將這些外送茶入門術語分類，讓大家能夠清楚地理解，讓喝茶變得更加容易上手。

    魚：指的自行接客的小姐，不屬於任何茶莊。
    茶：就是指「小姐」的意思，由茶莊安排接客。
    定點茶：指由茶莊提供地點，客人再前往指定地點與小姐交易。
    外送茶：指的是到小姐到客人指定地點接客。
    個工：指的是有專屬工作室自己接客的小姐。
    GTO：指雞頭也就是飯店大姊三七茶莊的意思。
    摳客妹：只負責找客人請茶莊或代調找美眉。
    內機：盤商應召站提供茶園的人。
    經紀人：幫內機找美眉的人。
    馬伕：外送茶司機又稱教練。
    代調：收取固定代調費用的人（只針對同業）。
    阿六茶：中國籍女子，賣春的大陸妹。
    熱茶、熟茶：年齡比較大、年長、熟女級賣春者（或稱阿姨）。
    燙口 / 高溫茶：賣春者年齡過高。
    台茶：從事此職業的台灣小姐。
    本妹：從事此職業的日本籍小姐。
    金絲貓：西方國家的小姐（歐美的、金髮碧眼的那種）。
    青茶、青魚：20 歲以下的賣春者。
    乳牛：胸部很大的小姐（D 罩杯以上）。
    龍、小叮噹、小叮鈴：體型比較肥、胖、臃腫、大隻的小姐。

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  9. Контроль по борьбе с отмыванием денег: Как не получить приостановление фондов на платформах обмена криптовалют

    По какой причине требуется процедура противодействия отмыванию денег?
    Процедура противодействия отмыванию денег (Противодействие легализации доходов) – это набор процедур, ориентированных для борьбы отбеливания ресурсов. Данная процедура обеспечивает сохранять электронные активы клиентов и не допускать задействование платформ нелегальных действий. Проверка по борьбе с отмыванием денег требуется для обеспечения защищенности своих ресурсов а также соблюдения юридических требований.

    Ключевые инструменты проверки
    Платформы обмена криптовалют а также другие платежные решения используют разные важнейших способов в целях проверки клиентов:

    “Знай своего клиента”: Такая процедура включает простые шаги в целях идентификации удостоверения пользователя, в том числе проверка документов регистрации. Идентификация личности дает возможность быть уверенным, что участник является доверенным.

    Меры против финансирования терроризма: Направлена с целью предотвращения обеспечения экстремистских групп. Процедура отслеживает вызывающие вопросы транзакции в случае необходимости блокирует профили в рамках проведения внутреннего расследования.

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    Проверка по борьбе с отмыванием денег позволяет платформам обмена криптовалют:

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    Подытоживая
    Процедура противодействия отмыванию денег – представляет собой существенный инструмент с целью обеспечения безопасности действий на криптовалютном рынке. Такой подход оказывает содействие предотвратить обналичивание ресурсов, спонсирование терроризма наряду с другими нелегальные активности. Придерживаясь советам в интересах безопасности а также выбирая безопасные платформы, сможете ограничить риски замораживания средств работать безопасной деятельностью с цифровой валютой.

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  25. 娛樂城
    Player台灣線上娛樂城遊戲指南與評測

    台灣最佳線上娛樂城遊戲的終極指南！我們提供專業評測，分析熱門老虎機、百家樂、棋牌及其他賭博遊戲。從遊戲規則、策略到選擇最佳娛樂城，我們全方位覆蓋，協助您更安全的遊玩。

    layer如何評測：公正與專業的評分標準

    在【Player娛樂城遊戲評測網】我們致力於為玩家提供最公正、最專業的娛樂城評測。我們的評測過程涵蓋多個關鍵領域，旨在確保玩家獲得可靠且全面的信息。以下是我們評測娛樂城的主要步驟：

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    安全永遠是我們評測的首要標準。我們審查每家娛樂城的執照資訊、監管機構以及使用的隨機數生成器，以確保其遊戲結果的公平性和隨機性。
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    遊戲的品質和多樣性對於玩家體驗至關重要。我們評估遊戲的圖形、音效、用戶介面和創新性。同時，我們也考量娛樂城提供的遊戲種類，包括老虎機、桌遊、即時遊戲等。

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    我們仔細審視各種獎勵計劃和促銷活動，包括歡迎獎勵、免費旋轉和忠誠計劃。重要的是，我們也檢查這些優惠的賭注要求和條款條件，以確保它們公平且實用。
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    優質的客戶支持是娛樂城質量的重要指標。我們評估支持團隊的可用性、響應速度和專業程度。一個好的娛樂城應該提供多種聯繫方式，包括即時聊天、電子郵件和電話支持。
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    我們檢查娛樂城提供的存款和提款選項，以及相關的處理時間和手續費。多樣化且安全的支付方式對於玩家來說非常重要。
    06.
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    一個直觀且易於導航的網站可以顯著提升玩家體驗。我們評估網站的設計、可訪問性和移動兼容性。
    07.
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    我們考慮真實玩家的評價和反饋。這些資料幫助我們了解娛樂城在實際玩家中的表現。

    娛樂城常見問題

    娛樂城是什麼？

    娛樂城是什麼?娛樂城是台灣對於線上賭場的特別稱呼，線上賭場分為幾種：現金版、信用版、手機娛樂城(娛樂城APP)，一般來說，台灣人在稱娛樂城時，是指現金版線上賭場。

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    信用版娛樂城是什麼？

    信用版娛樂城是一種線上賭博平台，其中的賭博活動不是直接以現金進行交易，而是基於信用系統。在這種模式下，玩家在進行賭博時使用虛擬的信用點數或籌碼，這些點數或籌碼代表了一定的貨幣價值，但實際的金錢交易會在賭博活動結束後進行結算。

    現金版娛樂城是什麼？

    現金版娛樂城是一種線上博弈平台，其中玩家使用實際的金錢進行賭博活動。玩家需要先存入真實貨幣，這些資金轉化為平台上的遊戲籌碼或信用，用於參與各種賭場遊戲。當玩家贏得賭局時，他們可以將這些籌碼或信用兌換回現金。

    娛樂城體驗金是什麼？

    娛樂城體驗金是娛樂場所為新客戶提供的一種免費遊玩資金，允許玩家在不需要自己投入任何資金的情況下，可以進行各類遊戲的娛樂城試玩。這種體驗金的數額一般介於100元到1,000元之間，且對於如何使用這些體驗金以達到提款條件，各家娛樂城設有不同的規則。

  26. 娛樂城評價
    2024娛樂城推薦，經過玩家實測結果出爐Top5！

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    線上娛樂城玩家遊戲體驗評價分享

    網友A：娛樂城平台百百款，富遊娛樂城是我3年以來長期使用的娛樂城，別人有的系統他們都有，出金也沒有被卡過，比起那些玩娛樂城還會收到傳票的娛樂城，富遊真的很穩定，值得推薦。

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  28. 娛樂城
    富遊娛樂城評價:2024年最新評價

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