O Starbucks é um BANCO

Como assim?

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O “banco Starbucks”

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A grande sacada

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Tem mais…

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Starbucks x Bancos

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Quer aprender mais sobre como lidar, de forma inteligente, com o seu dinheiro?

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O Starbucks é um BANCO

Como assim?

Apesar da empresa ficar conhecida pela venda de café, grande parte da sua receita vem de uma outra fonte, a de serviços financeiros.

O “banco Starbucks”

Através do aplicativo da empresa, é possível adicionar dinheiro, para realizar compras via app e receber pontos que poderão ser trocados por outros produtos.

A grande sacada

Enquanto o usuário não utiliza o saldo, o Starbucks usa esse dinheiro em caixa para financiar as suas operações e crescimento. Esse dinheiro acaba se assemelhando a um empréstimo sem precisar pagar juros.

Tem mais…

Além disso, mais de 10% do dinheiro depositado acaba sendo esquecido ou nunca mais será usado pelos usuários, adicionando ainda mais caixa permanente para a empresa.

Starbucks x Bancos

O mais impressionante é que, segundo levantamento da Forbes, o Starbucks possui mais de US$ 1,2 bilhão em depósitos em seu caixa, um valor superior a mais de 3.600 bancos ao redor dos Estados Unidos. Surpreendente, mas sim, o Starbucks é um banco.

Quer aprender mais sobre como lidar, de forma inteligente, com o seu dinheiro?

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