The rapid advancement of e-commerce in Brazil has also created space for concerning growth: the rise of digital fraud. According to a survey by Equifax BoaVista, fraud attempts in e-commerce increased by 3.5% in 2024 compared to 2023.
Whether involving cloned cards, bot fraud, or improper Pix chargebacks, the losses accumulated by retailers due to these practices already amount to millions. Beyond the financial impact, such actions also undermine consumer trust and the credibility of platforms.
Among the most common scams are identity theft, unauthorized account takeovers (known as account takeover), chargeback fraud, and the use of fake coupons. The complexity and sophistication of these attacks have required companies to adopt more robust solutions to ensure the security of their operations and preserve the customer journey.
However, intelligent automation integrated into the Open ecosystem has emerged as a strategic protection tool. According to experts, by combining technologies such as artificial intelligence, machine learning, and big data analytics, these systems can monitor transactions in real time, identify suspicious patterns, and act preventively against anomalous behavior.
“Intelligent automation allows for more precise risk detection and reduces false positives—which often block legitimate purchases and harm the consumer experience,” explains Lígia Lopes, CEO of Teros, a data-driven intelligent automation platform, who adds: “Moreover, we optimize operational resources by taking repetitive tasks out of teams’ hands, redirecting focus to strategic decisions.”
According to the executive, fraud involving bots, for example, is increasingly common in limited-edition product launches. By automating the purchasing process, these software programs can acquire large volumes of items before real customers have access to them, creating an unfair parallel market. Meanwhile, Pix scams often involve manipulating receipts or falsely claiming errors to obtain refunds after receiving the product.
“Another benefit of automation is integration with biometric and digital behavior-based anti-fraud systems. These solutions enhance transaction verification levels, helping block sophisticated attacks like phishing or account takeovers, which wouldn’t be easily detected by traditional methods,” emphasizes Lígia.
In the Open Finance environment, integrated automation has also brought significant gains in agility and personalization, according to Lopes. The ability to integrate banking data with management systems enables real-time reconciliations, automates financial reporting, and offers services like credit or insurance during checkout—all with secure and transparent data usage.
“While there is no single solution to fraud, the combination of technology and strategy is the most promising path. The digitization of consumption demands a proactive stance from businesses, and automation is no longer an option but a necessity for those who want to remain competitive, secure, and relevant in the market,” concludes Teros’ CEO.
