Adriano Meirinho is co-founder and CAIO (Chief AI Officer) at Celcoin. He writes about marketing, technology, and fintech. On the internet since 1995.https://meirinho.com.br/enhttps://meirinho.com.br/en/cotidiano/ano-que-vem-eu-faco-nao-convence-ninguem/https://meirinho.com.br/en/cotidiano/ano-que-vem-eu-faco-nao-convence-ninguem/Not even you.Fri, 29 Dec 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/geral/api-open-banking-permite-que-clientes-de-bancos-digitais-e-fintechs-possam-realizar-saques-com-o-celular/https://meirinho.com.br/en/geral/api-open-banking-permite-que-clientes-de-bancos-digitais-e-fintechs-possam-realizar-saques-com-o-celular/Last week I published a piece here on the blog about [Celcoin F.Hub](https://fhub.com.br/) and its [integration APIs](https://fhub.com.br/#solucao).Fri, 03 Jan 2020 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/apis-open-banking-celcoin/https://meirinho.com.br/en/geral/apis-open-banking-celcoin/Celcoin, a startup that provides an open financial-services platform for fintechs and digital banks, released a new set of [Open Banking](https://www.celcoin.com.br/corp-open-banking) APIs so users can share their data and receive better product and service offers.Tue, 19 Jan 2021 00:00:00 GMTFintechhttps://meirinho.com.br/en/artigos/artigo-de-adriano-meirinho-estou-em-busca-de-um-emprego-e-agora/https://meirinho.com.br/en/artigos/artigo-de-adriano-meirinho-estou-em-busca-de-um-emprego-e-agora/One important factor in this scenario is that Brazilian organizations generally start their fiscal year in January, and the new budgets allow them to hire more people.Fri, 15 Jan 2010 00:00:00 GMTMesshttps://meirinho.com.br/en/e-commerce/cdn-cache-mimificacao/https://meirinho.com.br/en/e-commerce/cdn-cache-mimificacao/The magic combination of a CDN, minified JS and CSS, and a well-configured cache works.Fri, 08 Nov 2013 00:00:00 GMTInternet since 1995https://meirinho.com.br/en/geral/celcoin-recargas-de-celular-e-pagamento-de-contas/https://meirinho.com.br/en/geral/celcoin-recargas-de-celular-e-pagamento-de-contas/**More than 70,000 users have already downloaded [Celcoin](https://www.celcoin.com.br), the app that offers financial services without the need for a bank**Tue, 29 Nov 2016 00:00:00 GMTFintechhttps://meirinho.com.br/en/cotidiano/celcoin-no-startse/https://meirinho.com.br/en/cotidiano/celcoin-no-startse/A StartSe article about Celcoin, explaining that the app lets you pay bills, [top up your phone](https://web.archive.org/web/20200511095710/https://celcoin.com.br/Funcionalidades/3/recarga-de-celular), transfer money between phones, and withdraw and deposit cash at any time 😉Tue, 29 Nov 2016 00:00:00 GMTFintechhttps://meirinho.com.br/en/artigos/como-dar-um-feedback/https://meirinho.com.br/en/artigos/como-dar-um-feedback/How should you give feedback, and how should you receive it?Fri, 11 Aug 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/blog/cel-agents-copilot-from-financial-product-description-to-project-in-studio/https://meirinho.com.br/en/blog/cel-agents-copilot-from-financial-product-description-to-project-in-studio/We launched cel_agents Copilot at Celcoin, a tool to start building financial products from a conversation with AI.Thu, 05 Nov 2026 00:00:00 GMTAI in practicehttps://meirinho.com.br/en/geral/trabalhar-em-um-co-working-e-uma-boa-ideia/https://meirinho.com.br/en/geral/trabalhar-em-um-co-working-e-uma-boa-ideia/An article about coworking.Tue, 17 Oct 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/artigos/criatividade-ridicula/https://meirinho.com.br/en/artigos/criatividade-ridicula/Gone are the days when spending many years as an employee at the same organization meant stability.Fri, 25 Dec 2009 00:00:00 GMTMesshttps://meirinho.com.br/en/mercado-de-trabalho/dicas-exclusivas-de-como-angariar-aumento-salarial/https://meirinho.com.br/en/mercado-de-trabalho/dicas-exclusivas-de-como-angariar-aumento-salarial/The start of the year is an excellent time to negotiate your salary.Tue, 05 Jan 2010 00:00:00 GMTMesshttps://meirinho.com.br/en/blog/two-attempts-and-a-unanimous-yes-how-we-got-to-endeavor/https://meirinho.com.br/en/blog/two-attempts-and-a-unanimous-yes-how-we-got-to-endeavor/In 2026, Marcelo França and I were selected as Endeavor Entrepreneurs.Wed, 28 Oct 2026 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/endofinance-e-o-futuro-do-corporate-finance-uma-visao-inovadora/https://meirinho.com.br/en/geral/endofinance-e-o-futuro-do-corporate-finance-uma-visao-inovadora/Corporate finance is in the middle of a deep shift with the rise of “endofinance,” [introduced by the Brazilian fintech Celcoin](https://www.startse.com/artigos/depois-do-embedded-finance-vem-o-endofinance/).Fri, 10 May 2024 00:00:00 GMTFintechhttps://meirinho.com.br/en/artigos/aproveite-a-energia-dos-novos-ciclos/https://meirinho.com.br/en/artigos/aproveite-a-energia-dos-novos-ciclos/Without cycles, we could not plan crops around planting and harvest seasons, we would not know how much food to store based on how long it would last, and we could not migrate to other places as the climate changed.Tue, 09 Jan 2018 00:00:00 GMTMesshttps://meirinho.com.br/en/blog/cel-agents-ep03-product-design-engineering/https://meirinho.com.br/en/blog/cel-agents-ep03-product-design-engineering/In EP03 of the cel_agents podcast, I talk with Rafael Zigart about how AI brings Product, Design, and Engineering closer together when building financial products.Sun, 01 Nov 2026 00:00:00 GMTAI in practicehttps://meirinho.com.br/en/geral/se-voce-deixasse-de-existir-hoje-sua-falta-seria-sentida/https://meirinho.com.br/en/geral/se-voce-deixasse-de-existir-hoje-sua-falta-seria-sentida/There are many ways to get noticed.Mon, 16 Apr 2018 00:00:00 GMTMesshttps://meirinho.com.br/en/geral/open-banking-do-celcoin-f-hub-ganha-destaque-na-midia/https://meirinho.com.br/en/geral/open-banking-do-celcoin-f-hub-ganha-destaque-na-midia/Do you know Celcoin F.hub? It is one of Celcoin’s business lines, and it provides complete, robust [Open Banking](https://web.archive.org/web/20201029104832/https://www.fhub.com.br/noticias/tag/open-banking/) technology for digital banks and fintechs.Mon, 30 Dec 2019 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/fintechs-e-o-rompimento-dos-tabus-com-o-dinheiro/https://meirinho.com.br/en/geral/fintechs-e-o-rompimento-dos-tabus-com-o-dinheiro/How has technology been working on behalf of our money to break the taboos created by large corporations?Fri, 06 Oct 2017 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/flexibilidade-no-trabalho-nao-significa-trabalhar-menos/https://meirinho.com.br/en/geral/flexibilidade-no-trabalho-nao-significa-trabalhar-menos/Rigid hours, mandatory office attendance, fixed vacation periods.Sat, 02 Dec 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/artigos/holocracia-modelo-de-gestao/https://meirinho.com.br/en/artigos/holocracia-modelo-de-gestao/Have you ever heard of Holacracy?Wed, 13 Sep 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/mercado-de-trabalho/hora-de-encontrar-um-novo-emprego/https://meirinho.com.br/en/mercado-de-trabalho/hora-de-encontrar-um-novo-emprego/According to the executive, this is when companies are planning new projects for the year.Wed, 20 Jan 2010 00:00:00 GMTMesshttps://meirinho.com.br/en/blog/ai-is-no-longer-a-wave-it-is-the-new-operating-layer-of-the-world/https://meirinho.com.br/en/blog/ai-is-no-longer-a-wave-it-is-the-new-operating-layer-of-the-world/Cycles of enthusiasm followed by frustration are part of a recurring pattern in the technology market.Tue, 07 Jul 2026 00:00:00 GMTAI in practicehttps://meirinho.com.br/en/artigos/influenciadores-digitais/https://meirinho.com.br/en/artigos/influenciadores-digitais/Read the article published on PóXXIma about [Digital Influencers](https://web.archive.org/web/20220526021353/https://www.proxxima.com.br/home/proxxima/noticias/2017/07/19/os-influenciadores-digitais-estao-te-influenciando-ao-erro.html).Wed, 26 Jul 2017 00:00:00 GMTMarketinghttps://meirinho.com.br/en/geral/maquineta/https://meirinho.com.br/en/geral/maquineta/Do you have a top-up [maquineta](https://web.archive.org/web/20200813220940/https://celcoin.com.br/Funcionalidades/8/revenda-de-recarga) at your store yet?Wed, 26 Jul 2017 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/open-finance-a-maior-e-pioneira-do-brasil/https://meirinho.com.br/en/geral/open-finance-a-maior-e-pioneira-do-brasil/**Brazil’s largest and pioneering Open Finance platform**Thu, 29 Apr 2021 00:00:00 GMTFintechhttps://meirinho.com.br/en/geral/open-insurance/https://meirinho.com.br/en/geral/open-insurance/The universe of insurance and financial protection is going through significant transformations around the world.Tue, 23 Jan 2024 00:00:00 GMTFintechhttps://meirinho.com.br/en/mercado-de-trabalho/saiba-como-pedir-aumento-salarial-ao-seu-chefe/https://meirinho.com.br/en/mercado-de-trabalho/saiba-como-pedir-aumento-salarial-ao-seu-chefe/It isn’t always easy, but here are a few tips on how to do it!Tue, 05 Jan 2010 00:00:00 GMTMesshttps://meirinho.com.br/en/marketing-marketplace/publicidade-propaganda-e-merchandising/https://meirinho.com.br/en/marketing-marketplace/publicidade-propaganda-e-merchandising/There are a few concepts I see misused every day: Publicity (*Publicidade*), Advertising (*Propaganda*), and Merchandising.Fri, 08 Jan 2010 00:00:00 GMTMarketinghttps://meirinho.com.br/en/geral/quando-deixamos-de-dialogar/https://meirinho.com.br/en/geral/quando-deixamos-de-dialogar/When did we become A or B, white or black, red or blue?Mon, 15 May 2017 00:00:00 GMTMesshttps://meirinho.com.br/en/artigos/redes-sociais-%E2%80%93-mocinhas-ou-vilas/https://meirinho.com.br/en/artigos/redes-sociais-%E2%80%93-mocinhas-ou-vilas/Social media has truly changed not only the market but, above all, the behavior of people and of society as a whole.Sat, 09 Jun 2012 00:00:00 GMTInternet since 1995https://meirinho.com.br/en/geral/celcoin-lider-em-infraestrutura-financeira-adquire-a-startup-regulatorio-mais/https://meirinho.com.br/en/geral/celcoin-lider-em-infraestrutura-financeira-adquire-a-startup-regulatorio-mais/Celcoin, a leading company in financial infrastructure, announced the acquisition of Regulatório Mais, a startup specialized in banking regulation.Fri, 10 May 2024 00:00:00 GMTFintechhttps://meirinho.com.br/en/mercado-de-trabalho/relacoes-internacionais-contratam-mais/https://meirinho.com.br/en/mercado-de-trabalho/relacoes-internacionais-contratam-mais/Check out the survey showing which sectors are hiring the most professionals in the country.Thu, 14 Jan 2010 00:00:00 GMTMesshttps://meirinho.com.br/en/cotidiano/voce-conhece-o-site-administradores/https://meirinho.com.br/en/cotidiano/voce-conhece-o-site-administradores/If you are a manager, a business administrator, or simply passionate about business management, you should definitely check out the website [administradores.com.br](http://www.administradores.com.br).Sat, 12 Aug 2017 00:00:00 GMTInternet since 1995https://meirinho.com.br/en/geral/conheca-as-principais-vantagens-do-open-finance-para-aprimorar-o-seu-negocio/https://meirinho.com.br/en/geral/conheca-as-principais-vantagens-do-open-finance-para-aprimorar-o-seu-negocio/Technology has revolutionized the world and, without a doubt, financial services are among the sectors most reshaped by that change.Sat, 23 Dec 2023 00:00:00 GMTFintechhttps://meirinho.com.br/en/blog/vibecoding-did-not-end-programming/https://meirinho.com.br/en/blog/vibecoding-did-not-end-programming/In 1995, at 14, I skipped school to spend the whole day with a little INFO magazine that taught how to make a web page in 10 steps.Tue, 27 Oct 2026 00:00:00 GMTAI in practicehttps://meirinho.com.br/en/blog/cel-agents-videos-idea-into-product/https://meirinho.com.br/en/blog/cel-agents-videos-idea-into-product/Two short videos show how Celcoin’s cel_agents turns the idea of a financial experience into a real product in a few hours, from sandbox to code.Mon, 02 Nov 2026 00:00:00 GMTAI in practicehttps://meirinho.com.br/en/marketing-marketplace/a-experiencia-celcoin-no-programa-de-aceleracao-da-visa-em-parceria-da-kyvo-e-gsvlabs/https://meirinho.com.br/en/marketing-marketplace/a-experiencia-celcoin-no-programa-de-aceleracao-da-visa-em-parceria-da-kyvo-e-gsvlabs/[Celcoin](http://www.celcoin.com.br/) was one of the five finalist startups chosen to travel to Silicon Valley in May as part of [Visa](https://www.visa.com.br/)’s 2018 acceleration program, run in partnership with [Kyvo Design-Driven Innovation](https://web.archive.org/web/20171217191315/http://kyvo.com.br:80/site/gsvlabs/).Sat, 12 May 2018 00:00:00 GMTMarketinghttps://meirinho.com.br/en/mercado/claude-plaid/https://meirinho.com.br/en/mercado/claude-plaid/Anthropic announced Personal Finance in Claude on November 5, with a beta rollout that week on the Pro, Max, and Ultra plans in the United States.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/deepfinance/https://meirinho.com.br/en/mercado/deepfinance/Julius Research published a test with 21 tasks based on analyses used in investments and operations; the top published score was 54.8% against the evaluation criteria, with tasks averaging 27.1 human hours each.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/images-2-6/https://meirinho.com.br/en/mercado/images-2-6/On November 4, 2026, OpenAI launched Images 2.6 with two model options, a scene-planning control, and SVG export; according to the company, people already create 4 billion images a week.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/inkling/https://meirinho.com.br/en/mercado/inkling/Thinking Machines made Inkling 2 Small available on Tinker on November 5, 2026 for use and adaptation with your data, and described a plan to release the model files under Apache 2.0 after external safety evaluation.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/nubank/https://meirinho.com.br/en/mercado/nubank/AI programs simulate customers so the team can compare agent versions before testing with people, and the bank reported cutting average development time from 21.2 to 4.4 days.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/penny/https://meirinho.com.br/en/mercado/penny/Wealthsimple announced Penny on November 5 in Toronto, an AI assistant for money and trading tasks aimed at clients in Canada.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/traversal/https://meirinho.com.br/en/mercado/traversal/Traversal announced a $120 million Series B on November 3 at a $1 billion valuation.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarkethttps://meirinho.com.br/en/mercado/visa/https://meirinho.com.br/en/mercado/visa/Visa launched the Agentic Commerce Benchmark on November 5, a standardized test of AI shopping.Fri, 06 Nov 2026 00:00:00 GMTAI in practiceMarket