Technology, AI &
software glossary

Pulls into one clean record the customer data that used to be scattered across e-commerce, POS, app, and CRM. Your team can see purchase history, preferred channel, and behavior in the same place, and serves and sells with far more context.

Also known as: single customer view, unified customer view

An approach where content and difficulty adjust to each student's pace. The technology spots knowledge gaps, reinforces weak spots, and recommends the most useful next step, rather than running the whole class down the same track. It supports the teacher instead of replacing human guidance.

Also known as: adaptive learning, personalized instruction

A management system built for how a farm actually runs, modeling field plots, crop seasons, field operations, inputs, stored grain, and sales, workflows a generic ERP never covers. It connects the field and the back office on one platform, from production planning to finance, and puts real numbers behind decisions on planting, selling, and buying inputs.

Also known as: farm management software, agricultural ERP

AI agents are systems that go beyond answering: they carry out multi-step tasks, pull data, use tools, and make decisions to reach a goal. A regular chatbot just tells you things; an agent gets them done, opening tickets, processing orders, and coordinating workflows. And your people stay in charge of the parts that matter.

Also known as: AI agents, agentic AI, autonomous agents

Uses each shopper's behavior to serve product recommendations, smart search, and tailored offers, reordering the storefront in real time. Every person sees what they're most likely to buy first, and that pushes average order value, conversion, and inventory turnover up.

Also known as: AI recommendations, recommendation engine

An engine that learns each viewer's taste from behavior, what they watch, search, pause, and abandon, and reorders the catalog in real time. Everyone sees the content most likely to hook them first, which raises perceived value and holds the audience between releases, cutting churn.

Also known as: recommendation engine, content recommendations, personalized recommendations

The rules and controls that prevent money laundering: sanctions and watchlist screening, PEP checks, and monitoring of suspicious activity. In the US these obligations trace back to the Bank Secrecy Act (BSA). When they run inside onboarding and daily operations with an audit trail, they satisfy the requirement without making compliance slow and manual.

Also known as: AML, Anti-Money Laundering, BSA/AML

An API is the interface that lets two systems talk to each other in a standardized way. It's what allows your banking app to reach the payments system, or a store's site to pull live shipping status from a carrier. Every modern integration between software runs through one.

Also known as: API, Application Programming Interface, API-first

Artificial intelligence is technology that lets systems perform tasks that would normally take human reasoning, like understanding a sentence, recognizing an image, or predicting behavior. Applied to a business, it handles repetitive work and surfaces patterns hidden in your data. That frees your team for the work that actually creates value.

Also known as: AI, Artificial Intelligence

Instrumenting equipment like transformers, generators, substations, and batteries with sensors (temperature, vibration, current, oil) and feeding that telemetry into one monitoring base, even in remote locations. Operations gain a living inventory, with location, health status, and history for every asset, without depending on someone walking the site.

Also known as: industrial IoT, asset monitoring, asset telemetry

Delivers the banking foundation as a platform: accounts, ledger, payments, and regulated products exposed through APIs. Your company launches financial services under its own brand without building a core or becoming a bank, running on the infrastructure of a partner that already holds the license.

Also known as: Banking as a Service, banking-as-a-service

Billing is a carrier's charging engine (plans, usage-based rating, invoices). Provisioning is the activation and configuration of service on the network that puts a customer live. Rebuilt as flexible services, a change to a business rule becomes configuration rather than a new development cycle, opening room for new revenue models and real-time activation.

Also known as: charging, rating, provisioning

A registered payment slip specific to the Brazilian market that generates a barcoded document payable at any bank or app. It stays essential for platforms serving customers who don't use cards, living alongside Pix and cards under one reconciliation layer.

Also known as: registered boleto, Brazilian bank slip

Brazil's Central Bank, the authority that regulates the financial system and sets the rules for arrangements like Pix, payroll-deductible loans, and payment institutions. Adherence to BACEN, with formalization, source-of-payment registration, and an audit trail, is a condition for operating without regulatory friction, so it enters at the product design stage.

Also known as: BACEN, Central Bank of Brazil, BCB

The set of systems that runs a telecom carrier. BSS (Business Support Systems) handles the business side, such as billing, product catalog, and commercial relationships. OSS (Operations Support Systems) handles the network: provisioning, activation, and operations. Modernizing that base, moving from a rigid monolith to a modular, cloud-native architecture, is what gives a carrier the speed to launch a new plan and activate service without manual work.

Also known as: Business Support Systems, Operations Support Systems, OSS/BSS

Business intelligence brings together the practices and tools that turn raw data into dashboards and metrics for fact-based decisions. Instead of scattered spreadsheets and hand-built reports, leadership sees the business in real time. Decisions start resting on the numbers rather than on gut feel.

Also known as: BI, Business Intelligence, dashboards

A single layer, built to scale, that connects each carrier by API to quote, book, and track on one common standard. When you add a new carrier, it plugs into the same layer, so you don't rebuild the system for every partner.

Also known as: multi-carrier integration

The rate of customers who cancel service over a period, the headline indicator of lost recurring revenue. Machine learning models can flag who is most likely to leave and why, so retention acts on the right customer before that revenue walks out the door.

Also known as: cancellation rate, customer attrition, turnover

CI/CD stands for continuous integration and continuous delivery: every change to the code is automatically tested and shipped through a pipeline. Software reaches users faster and with steady quality. It also removes the risk of a manual deploy breaking production.

Also known as: CI/CD, continuous integration, continuous delivery, CI/CD pipeline

A claim is the covered event under the policy that triggers the request for indemnity; the FNOL is the first notice of that loss, when the policyholder reports what happened. Turning the FNOL into a guided digital journey, with photos and documents attached in a few steps, gets clean, structured data from the first contact, so the call center never becomes the bottleneck.

Also known as: FNOL, First Notice of Loss, loss report, claim intake

The full or partial rejection of an amount billed to a payer because of an error, a wrong code, or an inconsistency in the claim. Each denial becomes stuck revenue and manual appeals down the line. Generating correct claims from the encounter and validating before submission attacks the problem at the source, cutting denials and rework.

Also known as: claim denial, claim rejection, denied claim

Cloud-native means building software for the cloud from day one, with elastic scale, resilience, and continuous deployment baked in. The application adds or drops capacity as demand shifts and recovers on its own when something fails. You pay for what you use and handle traffic spikes without going down.

Also known as: cloud native, cloud-native development

Computer vision is the area of AI that teaches systems to interpret images and video: identifying objects, reading documents, inspecting quality, counting people. It automates visual tasks that used to depend on someone's eyes, now at scale and with consistency.

Also known as: computer vision, image recognition

The central system that records accounts, balances, ledgers, and payments for a financial institution. Money moves in, out, and gets accounted for here, and the app, the card, and the lending products all rest on top of it. When the core can't scale or goes down, the whole operation stops with it.

Also known as: core banking system, legacy core, banking core

Translates a customer's history and behavior into a score that estimates how likely they are to pay. That score, in-house or from a bureau and enriched with Open Finance data, drives approval, limit, and pricing decisions in real time, with consistent rules instead of case-by-case judgment.

Also known as: credit score, risk scoring

The analysis that decides whether to extend credit to a customer and on what terms, weighing policy, score, and risk models against bureau and Open Finance data. It's what balances approving more against letting defaults climb. Sharper underwriting means better pricing and limits the operation can offer safely.

Also known as: underwriting, credit analysis, credit risk assessment

An AI assistant that resolves the most frequent, clear-cut requests on the spot (duplicate invoice, usage lookup, plan status, coverage) and hands anything complex to the right person, already with context. Integrated with the BSS, CRM, and billing, it pulls real customer data and carries out approved actions, a long way from a static FAQ.

Also known as: virtual assistant, support bot, AI support

Data engineering is the discipline that builds the infrastructure to collect, organize, and deliver reliable data across the company. Without that foundation, BI and AI can't stand. The work here is keeping data clean, integrated, and in the right place, pulling information out of isolated silos and bringing it together in one spot.

Also known as: data engineering, ETL, data lake, data pipeline

Data governance brings together the policies that define who accesses which data, at what quality, and under which compliance rules. It gives security and traceability to everything you do with information. It's what supports data protection compliance, auditing, and trust in the numbers behind your decisions.

Also known as: data governance, ISO 27001, data compliance

The authorized point of sale that carries a manufacturer's vehicles and also handles the aftersales side, from the service shop to maintenance and repurchase. It's where the sales journey, financing, and automotive CRM come together, all tied into the manufacturer's and network's systems.

Also known as: dealer, authorized dealer

A dedicated team is a cross-functional crew (dev, design, product, QA) that works only on your project, with the autonomy to deliver end to end. You get a complete, well-coordinated team without standing up an internal structure. Full focus on your product, with the pace and ownership of people who built it themselves.

Also known as: dedicated team, dedicated squad, product squad

Estimating energy consumption for upcoming windows with machine learning models that learn from load history and variables like weather, seasonality, and events. Rather than repeating the past average, the model recognizes complex patterns and adjusts the forecast as conditions shift, which supports purchasing, generation, and dispatch planning.

Also known as: load forecasting, demand forecast, load prediction

A design system is a library of reusable components, patterns, and visual rules that gives every product under a brand the same consistency. It speeds up development, since nobody reinvents the button on each screen. And it guarantees a coherent experience wherever the user lands.

Also known as: design system, component library

DevOps is a set of practices that brings the people who build software closer to the people who run it, so teams ship more often and with more confidence. With automated testing and deployment, work that used to take weeks reaches production in minutes. Fewer errors, and nobody has to pull an all-nighter for a release.

Also known as: DevOps, DevSecOps

The use of artificial intelligence as clinical decision support, to surface findings, prioritize cases, and flag risk in patient images and data. It doesn't replace the physician: interpretation, the report, and the care plan stay human. The AI gives the team more information and time, always validated and tied to the record and the PACS.

Also known as: diagnostic artificial intelligence, AI-assisted diagnosis

The credit journey for buying a vehicle from start to finish, from simulation to risk analysis to legally binding e-signature, with no paper and no trip to the bank. The dealership approves and finalizes while the customer is still in the store, shortening the path from offer to close.

Also known as: digital auto financing, online auto lending

One login that gives residents access to many public services with a single account, matched to the assurance level each service demands (Brazil's gov.br is one example). Wire that identity into your portals and apps, and you deliver secure access while ending the pile of separate passwords a resident collects with every new agency.

Also known as: single sign-on, government SSO, citizen login

Fully remote account opening or sign-up, with document capture and validation, biometrics, liveness, and guided data entry, KYC and AML already built in. Designed well, it balances conversion and security and opens an account in minutes without leaving an opening for fraud.

Also known as: digital account opening, customer onboarding

The confirmation captured at the moment of delivery: photo, signature, confirmation code, and geolocation, all tied to the order. When a customer disputes a "never got it," you answer with evidence in hand, which cuts down chargebacks and disputes.

Also known as: POD, proof of delivery

The account and payment method that live inside the app, holding balance, cards, and payment options for one-tap transactions. It's one of the most common building blocks in embedded finance, because it brings payment close to the journey and supports both impulse purchases and recurring revenue.

Also known as: wallet, e-wallet, mobile wallet

The system that runs the entire dealership. It manages vehicle inventory, from the lot to the sale, with turnaround time, pricing, and availability in real time, brings a CRM with a 360-degree customer view, and organizes the test-drive calendar and aftersales. It also connects store operations to the manufacturer's and network's systems.

Also known as: Dealer Management System, dealership management

A technical layer that protects digital content with encryption and access rules, so only entitled viewers can watch, listen, or download. It curbs piracy and preserves catalog value by enforcing the usage terms set in each license.

Also known as: Digital Rights Management, content protection

Reading the warning signs, declining engagement, spotty attendance, slipping performance, to flag which students are about to give up. The risk surfaces while there is still time to step in, and the alert reaches the educator before the student walks away.

Also known as: dropout prediction, student churn, at-risk student detection

An arrival estimate that recalculates itself as traffic, routes, and surprises shift. No more fixed guess that goes stale at the first stop: your team and your customer always have the most realistic ETA and can act before a delay turns into a problem.

Also known as: ETA, estimated time of arrival

Adjusts price automatically based on demand, inventory, and customer profile, always within the margin rules you set. If recommendations decide what to show each person, dynamic pricing decides what to sell it for, protecting margin and turnover at the same time.

Also known as: real-time pricing

A patient's digital clinical record that brings history, labs, prescriptions, and notes into one place, accessible by role and from any device. Built on open standards, it exchanges information with labs, facilities, and devices without re-keying, and replaces paper while logging every access. Older systems often call this an EMR.

Also known as: EHR, EMR, electronic medical record

Puts financial services (accounts, payments, credit, cards) inside a product that isn't a bank, through APIs and SDKs. The user never sees the banking plumbing behind it, the experience stays yours, and the journey starts generating revenue without you inheriting the regulatory risk of becoming the institution.

Also known as: embedded financial services, embedded banking

Producing the indicators and reports that energy regulators require from utilities and generators, drawn straight from operational data with traceability and history. In the US this maps to bodies like FERC and NERC (in Brazil the regulator is ANEEL). Generating those reports from your own data cuts the manual spreadsheet work and the risk of error at each period close.

Also known as: regulatory reporting, utility compliance reporting

Connects your store to the ERP, the CRM, and payment providers through a dedicated integration layer, with orders, inventory, and finance kept in sync. Centralizing that logic in versioned, monitored middleware isolates the impact of each update and prevents stockouts, overselling, and reconciliation errors.

Also known as: systems integration, integration middleware

The ability to track every lot from the field to the end consumer, with a full record of origin, growing, transport, and processing. Product origin and quality stay verifiable at any point, which clears the path to certifications, exports, and buyer trust on the shelf.

Also known as: farm to table, supply chain traceability

The modern, API-based standard for healthcare interoperability that lets the record exchange standardized data with labs, facilities, and devices. Building on FHIR gets a system talking to the whole clinical ecosystem without a point-to-point integration for every new partner.

Also known as: Fast Healthcare Interoperability Resources, HL7 FHIR

The basic unit of cropland, the parcel where a crop is planned, planted, and measured. Cost, yield, input application, and operation records are all organized by field plot. It is how a farm sees exactly where it makes money and where it loses it.

Also known as: field, plot, talhão

The layer that spots and blocks fraud attempts across the journey, whether at onboarding, in payments, or in lending, using identity verification, rules, and risk models. The goal is to let the legitimate customer through without friction and stop the fraudster before the loss, protecting revenue and reputation.

Also known as: antifraud, fraud detection, anti-fraud

Game mechanics like points, badges, levels, quests, streaks, and leaderboards that create a sense of progress and keep students showing up. When learning becomes a habit, students actually finish the journey. That is what fights drop-off and lifts completion rates.

Also known as: gamification, game-based motivation

Generative AI is the branch of AI that creates new content from a prompt: text, images, code, audio. Inside a company, it becomes an assistant that answers customers, drafts documents, and speeds up daily work. Always with controls in place to keep the information accurate and on-brand.

Also known as: GenAI, generative AI

Virtual fences drawn around points of interest that detect on their own when a vehicle arrives or leaves. They fire off status updates and timestamps automatically, with no button for the driver to press, and give dispatch real-time visibility into the operation.

Also known as: virtual fence, geo-fence

The live location of crews, vehicles, and cargo, refreshed continuously on the map. It's what brings supply and demand together, lets you watch the whole fleet from one dashboard, and serves as the foundation for tracking, geofencing, and real-time route calculation.

Also known as: real-time location, live location

The document that records a moved grain load, with weight, lot, grade, and quality, tying inventory back to the sales contract. In a single digital flow, it cuts weight disputes, surprise discounts, and payment delays during the season's sales.

Also known as: grain load ticket, scale ticket

Headless is the architecture that separates the back end, where content and rules live, from the front-end visual layer, connecting the two through an API. You deliver the same information to a website, an app, a kiosk, or any new channel without rewriting the core. That gives you the freedom and speed to keep evolving the experience.

Also known as: headless CMS, decoupled architecture, headless commerce

An online store where the storefront is decoupled from the commerce engine, giving you room to design the experience around performance and conversion. This architecture supports fast pages, Core Web Vitals optimization, and a low-friction checkout, always starting from a mobile-first store.

Also known as: headless e-commerce, headless storefront

Removes or masks the data that identifies a patient, freeing the information for analysis, research, and innovation without exposing the person. Alongside minimization (collecting only what's needed) and pseudonymization, it lowers breach risk without stalling the product or the clinical knowledge it builds.

Also known as: anonymization, pseudonymization, de-identification

The ability of different clinical systems to exchange data securely and in a standardized format, supported by standards like HL7 and FHIR. It's what moves a patient's data between the record, labs, facilities, and devices without re-keying, ending the information silos that fragment care.

Also known as: clinical interoperability, health data interoperability

The US regulatory framework for protecting health information, setting the baseline for how patient data must be handled. Healthcare projects operating in the US market have to meet its requirements, which means encryption, access control, and an audit trail built into the architecture.

Also known as: Health Insurance Portability and Accountability Act

The international messaging standard for exchanging data between healthcare systems, defining how the record, the lab, and other clinical systems talk to one another. Adopting it keeps a hospital from being locked into a single vendor and lets information move between systems without manual integration at every new connection.

Also known as: Health Level Seven, HL7 v2

Human-in-the-loop is the design where a person reviews or approves the AI's critical decisions before they take effect. It keeps automation and human judgment working side by side. The machine handles the volume, and a person owns anything that calls for accountability and reading the context.

Also known as: HITL, human in the loop, human oversight

Moisture, temperature, soil, and weather sensors, plus machine telemetry, that give continuous visibility into crops and equipment. Because it was designed for rural areas where connectivity drops, data buffers locally and syncs once the signal returns. Alerts still reach you inside the window where you can act on them.

Also known as: agricultural IoT, remote sensing, field telemetry

The carrier's central system that administers policies, issuance, billing, and claims, the backbone where the operation actually runs. Risk analytics, quoting, CRM, and claims automation all need to connect to it through APIs, so decisions land in the same flow where the policy is issued, with no parallel database.

Also known as: core insurance, insurance core system, policy administration system

Underwriting the risk in insurance: deciding whether to accept it, on what terms, and at what price, classifying each application against current policy. With AI support, it automates the simple risks and enriches the complex ones by explaining each classification, keeping human judgment where it matters, with governance and an audit trail.

Also known as: underwriting, risk underwriting, insurance risk assessment

The ability for systems across different agencies to exchange data and services in a standardized, secure way. Instead of dozens of brittle point-to-point integrations, a central bus with common APIs lets departments and agencies talk through one channel. Silos disappear, and residents stop having to carry information from one system to the next.

Also known as: integration bus, system-to-system integration

Cancellations that happen without the customer meaning to leave, almost always from a failed charge, an expired card, insufficient funds, or a decline. You fight it with dunning: smart retries, card updates, and a communication cadence that recover the payment before it becomes a lost subscriber.

Also known as: involuntary churn, payment churn, dunning

Kubernetes is the platform that orchestrates containers in production. It decides where each part of the application runs, adds capacity as load rises, and restarts anything that fails on its own. It has become the industry standard for keeping cloud-native software running without someone constantly fighting fires.

Also known as: Kubernetes, k8s, container orchestration

The set of checks that confirms who a customer is right at the entrance: document, biometrics, and liveness, before an account opens or a product goes live. Running inside the flow, it lets a legitimate customer in within minutes and stops the fraudster at the door, meeting the regulatory requirement without turning into a manual process.

Also known as: Know Your Customer, identity verification

The final leg of the delivery, from the distribution center to the customer's door. It's the most expensive part of the route and the piece that shapes the buying experience the most. Sharpening routing, tracking, and proof of delivery here tends to deliver the biggest payoff.

Also known as: last-mile delivery

The digital record that holds every debit, credit, and balance in a financial operation. It works as the source of truth for where money sits: a reliable in-house ledger backs balances, splits, and settlement, and lets you prove every cent during reconciliation when the system and reality have to match.

Also known as: general ledger, ledger system

Legacy modernization means updating aging systems, often COBOL or mainframe, without shutting down the business. The migration happens in stages: we preserve the business rules that already work and swap out only the technology underneath. You gain speed and cut costs, and you avoid the risk of flipping everything over at once.

Also known as: legacy modernization, application modernization, mainframe migration, legacy migration

Replacing aging systems like COBOL and mainframe with a modern, scalable architecture while preserving the business rules that keep the operation running. Done module by module, with rollback planned, it happens without a single big-bang cutover and without an outage. The service stays live through the whole transition.

Also known as: legacy migration, mainframe modernization, strangler fig, incremental migration

LGPD is the Lei Geral de Proteção de Dados, the Brazilian data protection law (comparable to the US's CCPA or the EU's GDPR) that governs how companies collect, use, and store personal data. Being compliant means handling every piece of data with consent, a clear purpose, and proper security. That protects your customers and keeps you clear of fines and reputational damage.

Also known as: LGPD, Lei Geral de Proteção de Dados, Brazilian data protection law, data privacy

An LLM is an AI model trained on huge volumes of text to understand and write in natural language, like GPT or Claude. It's the engine behind chatbots, copilots, and assistants. It interprets what a person asks and responds in a way that sounds human.

Also known as: LLM, Large Language Model, LLMs

A platform that brings courses, cohorts, content, grades, and student progress together in one learning environment. Built custom, it grows out of the institution's own teaching model, with its own brand and domain, so the school never has to force itself into someone else's template.

Also known as: Learning Management System, virtual learning environment, VLE

Redistributing electrical load across grid segments to relieve overloaded feeders and put idle ones to work. With an observable grid, you can spot these imbalances and support the redistribution, reducing asset wear and technical losses.

Also known as: load balancing, load redistribution

Carries a credit application from request to approval: it applies policy, triggers risk analysis, and formalizes the contract. A strong origination engine approves more while keeping defaults in check, and decides in real time when the product calls for it, with no manual bottleneck between the request and the funds.

Also known as: origination engine, credit origination, loan origination

The set of controls that reduce theft, shrinkage, and stockouts in retail. It combines access control, sensors, and telemetry to monitor each store from a distance, giving you the confidence to run 24 hours with no one physically on site.

Also known as: shrink control

Machine learning is the area of AI where a system learns patterns from historical data instead of relying on hand-written rules. That lets you forecast demand, flag fraud, or recommend products. And the more of your operational data it sees, the sharper the model gets.

Also known as: ML, machine learning, predictive analytics

Sections within a field plot that behave alike in yield potential and response to inputs. Layering yield history, soil data, and imagery gives each zone its own tailored plan. These zones are the foundation for every variable rate application decision.

Also known as: yield zones, productivity zones

The platform where you orchestrate many sellers, not just your own inventory. That calls for seller onboarding, payment splitting, commissioning, third-party catalog curation, and a more fragmented logistics setup. Those layers are what grow assortment and GMV without you carrying the stock yourself.

Also known as: seller marketplace

MCP is an open standard that connects AI models to your company's tools and data securely and reusably. Instead of wiring up each assistant by hand, MCP gives agents a standard plug to reach your systems. AI adoption moves faster, and with governance in place.

Also known as: MCP, Model Context Protocol

Microservices is an architecture that breaks a large system into smaller, independent services, each owning its own piece. Every service can evolve, scale, and ship on its own without taking down the rest. Multiple teams work in parallel, and when something breaks, the problem stays contained to a single part.

Also known as: microservices, microservices architecture

A monolith is an architecture where the entire application lives in one block of code and ships all at once. It works well early on, but as the system grows it becomes heavy to change and scale. That's why so many projects gradually migrate toward microservices.

Also known as: monolith, monolithic application

Checking every integrated carrier at once, comparing price and transit time in seconds and returning the best option for each shipment. Booking freight becomes a digital step instead of something you work out over spreadsheets and phone calls.

Also known as: freight quoting, rate shopping

Multi-tenant is the architecture where a single application serves many customers at once, with each one's data kept well isolated. It's what makes a SaaS scale: one codebase serves many, with efficient cost and security separated per customer.

Also known as: multi-tenant, multitenant, SaaS architecture

An MVP is the first version of a product built with just enough to reach the market and test the idea with real users. You launch quickly, watch how people actually use it, and improve based on what you learn. This keeps you from spending months building something the market never wanted.

Also known as: MVP, Minimum Viable Product, minimum viable product

Nearshore means having your software built in a nearby country with a similar time zone and culture. For US companies, Brazil brings senior talent in the same business hours and close on business context. You collaborate in real time, without the friction of an offshore team on the other side of the world.

Also known as: nearshore, nearshore development, nearshoring

Swapping error-prone manual network configuration for automated, versioned, auditable execution. With idempotent changes and predictable rollback, maintenance windows shrink and much of the system-to-system inconsistency that causes hard-to-trace outages goes away.

Also known as: network orchestration, network automation

Net Promoter Score, the measure of how satisfied customers are and how willing they are to recommend the brand. When someone resolves what they need on their own, right away and with no wait, the experience improves, and that experience is what holds up a strong NPS.

Also known as: Net Promoter Score, satisfaction score

Observability is the ability to see what's happening inside a production system through logs, metrics, and tracing. With it, the team catches and fixes problems before users ever feel them. No more finding out about a failure only when a customer calls to complain.

Also known as: observability, monitoring

Brings the physical store, e-commerce, marketplaces, and app into one operation, with unified inventory, catalog, and customer records. Shoppers move between channels without feeling the seams, and the brand sells across all of them with no stockouts and no conflicting data.

Also known as: integrated multichannel, omnichannel experience

Publishing public indicators and information in an accessible, always-current form, straight from the source and without manual exports. Residents can hold up-to-date figures to account, and the agency meets its transparency obligations without redoing the same grunt work for every release.

Also known as: open data, proactive disclosure, transparency portal

Brazil's regulated framework for securely sharing a customer's banking data between institutions, always with explicit consent; most of the world calls this open banking. Data that used to sit locked inside one bank becomes fuel for lending, financial management, and sharper offers, with the customer deciding what gets released.

Also known as: open banking, Open Finance Brazil

The document that lists and organizes the shipments in a load, tying together order, invoice, and dispatch. Generated straight from the system and synced with your ERP and carriers, it comes out with no manual keying and no gaps in reconciliation.

Also known as: load manifest, romaneio

The system that stores, distributes, and displays medical images like X-rays, CT, and MRI inside the hospital. Integrating tools with the PACS brings decision support and diagnostic AI into the same workflow the team already uses, instead of spinning up one more isolated screen.

Also known as: Picture Archiving and Communication System, medical imaging system

A one-off charge for a specific piece of content, like a single episode, a live event, or a standalone item, instead of a subscription. With saved cards and wallets for one-tap checkout, it clears the friction that usually kills an impulse buy.

Also known as: PPV, pay per view, micropayment

The gateway connects merchants to card networks and acquirers to authorize and capture card payments. With multi-acquirer routing, failover, and tokenization layered on top, it approves more transactions and keeps the operation running when one provider fails, orchestrating several partners as if they were one.

Also known as: payment gateway, acquiring, PSP

Lets a payment, almost always a Pix, start from inside your own app or service through Open Finance, without sending the user off to their bank's app. The initiator handles consent, authorization, and settlement in a single journey, shortening the path between the intent to pay and the money landing.

Also known as: ITP, payment initiation service, PISP

Automatically divides a single payment across several recipients (platform, seller, partners) at the moment of the transaction, with each party's cut calculated up front. It's what lets marketplaces and platform models run without hand-tracking who gets what, keeping every payout transparent and traceable.

Also known as: split payments, payment split, revenue split

A loan whose installment is deducted straight from payroll or benefits, which lowers default risk and makes the credit cheaper for the borrower. In Brazil it depends on registration with the paying source and adherence to Brazil's Central Bank (BACEN) rules, with a formalized contract and audit trail built into the flow.

Also known as: consignado, payroll loan, payroll-backed loan

The security standard that governs how card data must be stored, transmitted, and processed. Meeting it, with tokenization and segregated environments, lets you run card payments without ever exposing the cardholder's real number. It's compliance designed into the architecture from the start, not patched on at the end.

Also known as: PCI, PCI DSS, Payment Card Industry Data Security Standard

Planning and measuring operations with the acre as the unit, allocating inputs, machine hours, and labor to the right area. The farm gains a clear view of cost per acre and margin by crop, with the evidence to act on it the following season.

Also known as: cost per acre, per-hectare management

Progress, grades, attendance, submissions, and engagement pulled into clear metrics that compare across cohorts. Shown in dashboards that refresh on their own, they give coordinators and educators a living view of each student, so they can act rather than just watch.

Also known as: learning analytics, education analytics

A route built for each student, from where they are to where they want to go, sequencing lessons, exercises, and milestones in the most efficient order for that learner. The path shifts as performance improves and always keeps a clear next step, which holds engagement and cuts dropout.

Also known as: personalized learning path, individual learning journey

Pulling the items for each order inside the warehouse. Organized by wave and by location path, with barcode-scan verification, it means less walking, more items picked per hour, and picking errors driven down to near zero.

Also known as: order picking

Brazil's instant payment system, available 24/7, settling transfers and collections between accounts in seconds. It spans everything from billing and refunds to recurring Pix and payments initiated through Open Finance. It has become table-stakes infrastructure for anyone building a wallet, marketplace, or payments platform in Brazil.

Also known as: recurring Pix, instant payment

The insurance contract, the document that defines coverages, deductibles, term, and the conditions agreed between policyholder and carrier. The whole cycle (issuance, renewal, claim, and commission) revolves around it. Managing the policy actively, with renewal alerts, is exactly where the most revenue slips away when no one is watching.

Also known as: insurance contract, policy issuance

The point of sale where the purchase actually closes, the checkout counter in the physical store. Connected to inventory and customer records, it feeds the unified view of the operation and keeps what rings up at the register matching the system.

Also known as: POS, Point of Sale

A management approach that treats each part of a field plot according to what it actually needs, instead of applying the same rate everywhere. By combining imagery, soil analysis, and yield history, the field is split into zones, and each one gets the right amount of inputs. You grow more per acre while cutting waste.

Also known as: precision farming, site-specific management

Using an asset's field data to anticipate wear and schedule the intervention before it breaks, instead of an emergency repair after the failure has already hit. The payoff: less unplanned downtime, lower towing and emergency costs, and more useful life from the equipment.

Also known as: predictive maintenance, condition-based maintenance

Turning routines that live on paper, in filings, and in spreadsheets (permits, licenses, certificates, internal routing) into electronic processes with clear steps, deadlines, and owners. Every request starts digital, moves on its own between departments, and stays traceable from filing to decision, with digital signatures and an audit trail.

Also known as: electronic process, BPM, workflow automation

Product design is the discipline that shapes the product experience around the real needs of the people using it, moving from research to prototype to the final interface. It blends usability with business goals, so the product is easy to use and, at the same time, converts and retains.

Also known as: product design, UX/UI, design sprint

Product discovery is the early phase where you study the problem, the users, and the opportunities before writing a single line of code. Its whole point is to keep you from building the wrong thing. Business, design, and tech align on what's actually worth doing, which means less rework and less risk.

Also known as: product discovery, discovery, product inception

Network quality measured by indicators like availability, latency, and service degradation. Put those metrics on a dashboard, with alerts the moment something drifts out of range, and operations can prioritize what weighs most on the customer before it turns into a complaint.

Also known as: Quality of Service, service quality, network quality

Prices an insurance product in real time from a single set of inputs; with multi-carrier quoting, it queries several carriers and products in parallel to compare coverages, deductibles, and prices side by side. Instant pricing and a clear comparison keep the policyholder inside the flow, without waiting on a broker to call back.

Also known as: multi-carrier quoting, comparative rating, real-time quoting

RAG is the technique that connects an AI model to your company's own knowledge base, so it answers with current, accurate information instead of making things up. The assistant retrieves the right facts from your manuals, policies, and catalog, then builds the answer from there. Hallucinations drop, and you can even cite the source.

Also known as: RAG, Retrieval-Augmented Generation

Continuous location capture for shipments and fleet, shown on a single dashboard with route, status, and history. Your operation sees every shipment live and the customer follows their order on the map. In practice, your support team is no longer in the dark when someone asks where a delivery is.

Also known as: shipment tracking, cargo tracking

Matches what was transacted against what actually came in and settled, making sure every amount lines up on the receiving end. Automated and tied to the ledger, it retires the manual spreadsheet and closes the numbers on its own, so no one is re-keying payments by hand at the end of the day.

Also known as: payment reconciliation, financial reconciliation

Assesses the vehicle's health from a distance. With the car connected, fault codes and sensor readings flow to a remote dashboard. The team prioritizes the job and shows up with the problem already mapped, instead of waiting for the car to reach the shop to start digging.

Also known as: remote vehicle diagnostics

Renewable sources like solar and wind generate intermittently, since they ride the natural swings of sun and wind. Generation forecasting, real-time monitoring, and ramp control give operations the tools to handle that variability and feed power into the grid more steadily, cutting penalties.

Also known as: renewables, intermittent generation, solar and wind

Control over who can use each title, where, and for how long, modeling territory, viewing window, and platform in every license. The system blocks any distribution outside that scope on its own, keeps a title from playing where the contract forbids it, and guards against accidental breach.

Also known as: content licensing, rights management, license management

Translates each profile's risk into a price, usually from a score that controllable rules turn into a premium, within the underwriting policy and regulatory bounds. Done well, it keeps price tracking real risk without becoming a black box, with every adjustment traceable, and it's the main defense against adverse selection in the book.

Also known as: risk pricing, insurance pricing, rate-making

Calculating the best mix of routes for the day, spreading deliveries across vehicles to cut miles driven, fuel, and tolls. The math accounts for live traffic, each customer's delivery window, and every vehicle's capacity. When a new order comes in or something goes sideways, it recalculates.

Also known as: routing, intelligent routing

Payments passed to the artist or rights holder for actual use of the content, such as views, streams, downloads, or sales. When they are calculated automatically from the contract terms and stay auditable, every party gets the right amount and each payout stays verifiable.

Also known as: royalty payments, rights payouts, royalty

The supervisory control system that runs energy infrastructure in real time, monitoring and commanding field equipment. New layers of telemetry, IoT sensors, and dashboards connect to the existing SCADA to cover blind spots and gain visibility, without ripping out the whole infrastructure at once.

Also known as: Supervisory Control and Data Acquisition, supervisory system

Designing the solution with sensitive data protected from the architecture up: encryption at rest and in transit, secrets management, least-privilege access, and audit logging. Security stops being a final patch and becomes part of the system's foundation, which also helps with data protection compliance.

Also known as: security by design, privacy by design, built-in security

The purchase the customer completes on their own, scanning products with their phone or a kiosk and paying by instant payment (Pix, cards, or digital wallet). It's what powers the autonomous store, open 24 hours with no cashier or staff on site.

Also known as: autonomous store, unattended store, self-service checkout

Letting customers handle the most common tasks themselves (view and pay a bill, get a duplicate, track usage, switch plans, open a ticket) through app and portal, at any hour. Moving the simple and repetitive to digital cuts call-center volume and frees human support for the cases that genuinely need it.

Also known as: self-service, customer portal, self-care

The merchant who lists and sells inside a marketplace. They go through guided onboarding (registration, approval, and access levels) and get their own dashboard to manage products, prices, and orders, with each sale paid out on schedule.

Also known as: merchant, partner seller

The stage where money leaves one side's account and reaches the other, closing out the transaction, usually same-day or next-day. This is when a promise to pay becomes real available balance. Timing and predictability here hit the cash flow of whoever is getting paid.

Also known as: financial settlement, fund settlement

An electrical grid with telemetry, automation, and data intelligence across every segment. Operations stop chasing complaints and start seeing the grid in real time, with automatic fault detection, likely fault-location, and decisions made on live data.

Also known as: intelligent grid, smart electrical grid

Staff augmentation is the model where a company reinforces its own team with specialized professionals who work under its management. You accelerate development with people who are ready to go, without the cost and delay of hiring from scratch. And you can scale the team up or down as the project demands.

Also known as: staff augmentation, team augmentation, IT staffing

Delivering video over the internet, whether on demand (VOD), so viewers watch whenever they want, or live in real time. With transcoding, adaptive streaming (HLS/DASH), and a CDN, content starts fast, adapts to each viewer's connection, and holds up under audience spikes without losing quality.

Also known as: VOD, video on demand, live streaming, HLS, DASH

A recurring billing engine that handles plans, cycles, trials, upgrades, and downgrades, with proration applied to every charge and no manual work. Because it ties access grants and blocks to subscription status, it is what keeps revenue predictable month after month.

Also known as: subscription billing, recurring billing

Remote clinical care over video, with private rooms, encrypted calls, and sensitive-data protection by default. Integrated with the record and the schedule, it keeps history, labs, and notes in one place and widens access, including for patients less comfortable with technology, cutting wait times and travel.

Also known as: telehealth, virtual visit, video consultation

Brazil's standard governing how providers and health plans exchange billing information, including the claim forms and mandatory data swaps with insurers. Generating TISS forms straight from the encounter and validating before submission cuts errors at the source, and with them the claim denials and appeal rework.

Also known as: TISS, TISS claim form

Software that manages the transportation side of your operation. It handles freight quoting and booking, dispatch, route planning, and delivery tracking in a single flow. Orders, freight, and status all live on the same dashboard, so you stop bouncing between each carrier's portal.

Also known as: Transportation Management System

Swaps a sensitive value, like a card number, for a token that holds no meaning outside the authorized context. The real data never travels or sits exposed. It sharply shrinks the risk surface in payments and underpins much of PCI-DSS compliance and digital wallet security.

Also known as: tokenization, payment token

Bringing together, under proper governance, the records for one person that today sit scattered across many systems, so agents see the whole individual instead of starting from scratch at every service. Because it rests on different agencies' systems talking through the same bus, this view shortens lines and stops asking for the same information again and again.

Also known as: 360 citizen view, single citizen record

The journey that brings riders and transportation services into one app: request the ride, watch the vehicle on the map, follow the route, and pay without leaving the flow. Real-time geolocation matches supply and demand and cuts wait times and cancellations, while in-app payment takes the friction out of the end of the ride.

Also known as: ride-hailing, mobility app

Application where seed, fertilizer, or crop protection goes down point by point at the right rate, driven by prescription maps built from management zones. Compatible equipment adjusts the rate on its own while moving across the field plot. More inputs land where the return is, and less where it isn't.

Also known as: VRA, variable rate technology, VRT

A metric pulled from satellite or drone imagery that reveals crop vigor, planting gaps, and areas under stress. It lets a farm read the whole field at once and act before a problem turns into lost yield.

Also known as: NDVI, vegetation index, crop health index

The platform that brings together the whole car buying and selling process: catalog, smart search, model comparison, appraisal and pricing, the digital journey from listing to offer, and integrated financing. Each dealership publishes and manages its own inventory, with availability and price always in sync.

Also known as: automotive marketplace, car buying and selling platform

The continuous read of everything a vehicle generates while it runs: fuel use, temperature, RPM, mileage, fault codes, location, and driving behavior. The data arrives in real time from anywhere and gives you standing visibility into the performance and health of every car.

Also known as: fleet telemetry, IoT telemetry

The practice of building public sites and services so everyone can use them, including people who rely on screen readers, keyboard navigation, or high contrast, measured against recognized standards. In the US that means Section 508 compliance, which points to the WCAG guidelines. When accessibility is part of the design from the start rather than a last-minute patch, no resident is shut out and the service meets federal accessibility requirements.

Also known as: Section 508, 508 compliance, WCAG, web accessibility, a11y

A white-label product or platform is built to carry someone else's brand and be sold by another company. You launch a complete solution under your own identity, without building anything from scratch. The technology is ours; the brand your customer sees is yours.

Also known as: white-label, white label, private label

Software that runs the entire warehouse: receiving, put-away, inventory, picking, packing, and shipping. With the whole facility in one place, your physical stock lines up with system stock again and the right product ships on time.

Also known as: Warehouse Management System

Activating service from order to delivery with no human touch. The request triggers automatic configuration of equipment and systems, validates each step, and brings the customer live in minutes. Fewer queues, almost no typos, and an activation time that no longer depends on who happens to be available.

Also known as: ZTP, touchless provisioning, automated activation