The accelerated advance of e-commerce in Brazil has also given room for worrying growth: the increase in digital fraud. According to a survey by Equifax Boavista, attempted coup attempts in e-commerce increased by 3.5% in 2024, compared to the year 2023.
Whether involving cloned cards or fraud by bots and improper chargebacks via PIX, the losses accumulated by shopkeepers as a result of these practices already add up to millionaire figures. In addition to the financial impact, such actions also compromise the confidence of consumers and the credibility of the platforms.
Among the most common scams are identity theft, misappropriation of user accounts (known as account takeover), Chargebacks fraud and the use of fake coupons. The complexity and sophistication of the attacks has required more robust solutions from companies to ensure the security of their operations and preserve the customer journey.
However, intelligent automation integrated into the Open ecosystem has gained prominence as a strategic protection tool. According to experts, combining technologies such as artificial intelligence, machine learning and big data analysis, these systems are able to monitor transactions in real time, identify suspicious patterns and act preventively in the face of anomalous behavior.
“Intelligent automation makes it possible to detect risks with greater precision and reduce false positives — which often stop legitimate purchases and affect the consumer experience”, explains Lígia Lopes, CEO of tues, an intelligent data-based automation platform, which adds: “In addition, we optimize operational resources by taking repetitive tasks out of the hands of teams, redirecting the focus to strategic decisions”.
According to the executive, frauds that use bots, for example, are increasingly common in limited product launches. By automating the buying process, these software can acquire large volumes of items before real customers have access to them, creating a parallel and unfair market. On the other hand, PIX scams often involve handling vouchers or false claims of error to obtain a refund upon receipt of the product.
“Another benefit of automation is the integration with anti-fraud systems based on biometrics and digital behavior. These solutions increase the level of verification of transactions, helping to block sophisticated attacks such as phishing or hacking of accounts, which would not be easily detected by traditional methods”, he emphasizes. lygia.
In the Open Finance environment, integrated automation also brought significant gains in terms of agility and personalization, according to Lopes. The possibility of integrating banking data with management systems makes it possible to carry out reconciliations in real time, automate financial reports and offer services such as credit or insurance during checkout — all with security and transparency in the use of the data.
“Although there is no single solution to the problem of fraud, the combination of technology and strategy is the most promising path. The digitization of consumption requires a proactive stance from companies and automating is no longer an option, but a necessity for those who want to remain competitive, safe and relevant in the market”, concludes the CEO of tues.
