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Super apps accumulate banking functions and can even give you money; know | Productivity

Super apps are apps that allow you to perform various activities on the same online platform with the promise of practicality. Recognized as an example of innovation, the programs have varied functions, such as exchanging messages, making payments, making purchases and requesting home deliveries, contributing to free up space on the cell phone.

READ: Need to save money in 2020? App helps save

The services can also offer other benefits, such as special discounts at partner stores or cashback so many users can even get money from the super apps. Check below which was the first super app and find out who are the candidates for the title in Brazil.

Mercado Livre is one of the platforms that, in Brazil, advances with a payment platform and meets the criteria of a Super App Photo: Marvin Costa / TechTudoMercado Livre is one of the platforms that, in Brazil, advances with a payment platform and meets the criteria of a Super App Photo: Marvin Costa / TechTudo

Mercado Livre is one of the platforms that, in Brazil, advances with a payment platform and meets the criteria of a Super App Photo: Marvin Costa / TechTudo

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WeChat: the first super app

WeChat, of Chinese origin, considered the first super app. Created by technology company Tencent Holdings, the app started out as a regular messenger, similar to WhatsApp. However, the app has evolved over time and added functionality for payments, connections to travel and shopping services and video calls.

Nowadays, the application has the "WeChat Pay" virtual wallet functionality, which can work linked to a Chinese credit or debit card. There are also partnerships with different Chinese companies in the travel, investment and even entertainment sector. According to the company, WeChat has been contributing, in recent years, to the transformation of Chinese society into a society in which cash is becoming increasingly expendable.

Chinese app started out as a simple messenger, but has evolved by adding new features Photo: TechTudo / Luciana MalineChinese app started out as a simple messenger, but has evolved by adding new features Photo: TechTudo / Luciana Maline

Chinese app started out as a simple messenger, but has evolved by adding new features Photo: TechTudo / Luciana Maline

Magazine Luiza is an application that has stood out for some years in the national market. Initially focused on making purchases by smartphone, since 2019 the company has been looking for new strategies, envisioning features such as a digital wallet for retailers, called "Magalu Pay", as well as a parallel payment platform, "Magalu Payments". The inspiration for so many transformations is WeChat itself.

Magazine Luiza's app seeks to reposition itself in the market, incorporating digital wallet features Photo: Helito Beggiora / TechTudoMagazine Luiza's app seeks to reposition itself in the market, incorporating digital wallet features Photo: Helito Beggiora / TechTudo

Magazine Luiza's app seeks to reposition itself in the market, incorporating digital wallet features Photo: Helito Beggiora / TechTudo

Rappi emerged in order to differentiate itself in the delivery application business. The purpose of the app, according to the company itself, would be to deliver literally "anything". Thus, the application promptly stood out for assisting transactions in different branches, including even real estate rentals.

Delivery application now incorporates virtual wallet features Photo: Louise Rodrigues / TechTudoDelivery application now incorporates virtual wallet features Photo: Louise Rodrigues / TechTudo

Delivery application now incorporates virtual wallet features Photo: Louise Rodrigues / TechTudo

Subsequently, the application started offering new features. Through the RappiPay functionality, the application acts, for example, as a virtual wallet, and allows payments and even bank transfers.

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Banco Inter appeared initially restricted to the banking sector. However, the app won the title of super app with the incorporation of new features. Now, an account holder at Banco Inter has access to cashback, and the bank returns to its customers a percentage of the money on purchases through the app. There are several Banco Inter partner companies, with emphasis on stores like Renner and Americanas, as well as brands like Nextel and HP.

The Bank sought to go beyond the banking sector and, through partnerships with other companies, reached the Super Apps branch Photo: Anna Kellen Bull / TechTudoThe Bank sought to go beyond the banking sector and, through partnerships with other companies, reached the Super Apps branch Photo: Anna Kellen Bull / TechTudo

The Bank sought to go beyond the banking sector and, through partnerships with other companies, reached the Super Apps branch Photo: Anna Kellen Bull / TechTudo

Start Pay seeks to act as the most complete payment platform in the national fintech market. Created in Cuiab, the company received investments from the Shevar Participaes group, based in So Paulo. Among the features offered, we highlight the possibility of withdrawing from sports lotteries, banking TEDs, the cashback method and even functions that allow donations to cultural promotion or social assistance institutions.

Initially, the Free Market stood out as a platform to advertise sales announcements, mainly for used objects. Today it is characterized by allowing different types of payment, especially through Mercado Pago, which offers payment services and financial management of the money obtained from sales on the platform. There is even the possibility of making payments using card machines, the platform having its own machine on the market, Mercado Pago Point Mini.

Mercado Livre has its own machine for credit card payments, Mercado Pago Point Mini Photo: Divulgao / Mercado LivreMercado Livre has its own machine for credit card payments, Mercado Pago Point Mini Photo: Divulgao / Mercado Livre

Mercado Livre has its own machine for credit card payments, Mercado Pago Point Mini Photo: Divulgao / Mercado Livre

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