Olivia Carneiro
Olivia Carneiro is an economist graduated from USP, with a master's degree from the University of Chicago. Creator of Boletim Sensata, she produces accessible and light economic analysis content. She has over 1 million followers as @olivia.sensata, and is a LinkedIn Top Voice.
The Impact of "Click to Buy" on Our Wallets (and the Economy)
The shift from cash to digital payments—driven by digital wallets, digital banks, QR codes, and instant transfers—has reduced friction, accelerated consumption, and made everyday transactions virtually invisible. At the same time, it has increased transaction traceability, personalized offers, and the use of data for credit and marketing. This panel explores how digital money has reshaped our perception of spending, debt, and value, and how financial platforms are influencing consumer behavior, financial inclusion, and economic control.