The rapid growth of e-commerce in Brazil has also led to a concerning increase: the rise of digital fraud. According to a survey by Equifax BoaVista, scam attempts in e-commerce increased by 3.5% in 2024 compared to 2023.
Whether involving cloned cards or frauds by bots and unauthorized chargebacks via Pix, the losses accumulated by merchants due to these practices already amount to millions. Beyond the financial impact, such actions also undermine consumer trust and the credibility of the platforms.
Among the most common scams are identity theft, unauthorized use of user accounts (known asaccount takeover), chargeback fraud and the use of fake coupons. The complexity and sophistication of 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 gained prominence as a strategic protection tool. According to specialists, by combining technologies such as artificial intelligence, machine learning, and big data analysis, these systems can monitor transactions in real time, identify suspicious patterns, and act preventively against anomalous behaviors.
"Intelligent automation allows for more accurate risk detection and reduces false positives — which often block legitimate purchases and affect the consumer experience," explains Lígia Lopes, CEO of theTeros, an intelligent data-driven automation platform that complements: "Additionally, we optimize operational resources by removing repetitive tasks from teams, redirecting focus to strategic decisions."
According to the executive, frauds that use bots, for example, are becoming increasingly common in limited 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. The scams with Pix often involve manipulating receipts or false claims of error to obtain a refund after receiving the product.
"Another benefit of automation is integration with anti-fraud systems based on biometrics and digital behavior. These solutions increase the level of transaction verification, helping to block sophisticated attacks such as phishing or account invasions, which would not be easily detected by traditional methods," emphasizes Lígia.
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 allows for real-time reconciliations, automating financial reports, and offering services such as credit or insurance during checkout — all with security and transparency in data use.
"Although there is no single solution to the fraud problem, the combination of technology and strategy is the most promising path. Digitalization of consumption requires a proactive stance from companies, and automation is no longer an option but a necessity for those who want to stay competitive, secure, and relevant in the market," concludes the CEO of Teros.
