In the first half of 2024, an attempt of fraud occurred every 3 seconds in the country, totaling 5.3 million during the period, prevented through the security layers applied during authentication processes. The data is from theFraud Attempt Indicatorfrom Serasa Experian, the first and largest datatech in Brazil. In June alone, the number was 860,966 occurrences, 4.6% higher than those recorded in the same period of 2023. See the following graphs for data from the last 12 months and the evolution of the semiannual total.
See the following graphs for the last 12 months and the evolution of the half-yearly accumulated data:
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| Fonte: Serasa Experian |
In terms of modality, 60.4% of fraud attempts prevented in the first half of the year were identified by inconsistencies in registration data; 33.2% by fraudulent patterns linked to document authenticity and biometric validation and 6.4% by suspicious behavior on devices, such as previous associations with fraud.
For the Director of Authentication and Fraud Prevention at Serasa Experian, Caio Rocha, being one step ahead of fraud is essential to combat it, ensuring that institutions can effectively protect themselves and their customers. Consumer confidence is strengthened when they know their information is secure. Our Digital Identity and Fraud Report has already shown that consumers are increasingly familiar with the digital environment and prioritize security, demonstrating greater trust in companies that ensure it.
"Banks and Cards" was the sector with the highest number of fraud attempt reports in the semester (54%), and "Telephony" was the segment with the lowest recurrence (4.7%). Regarding ages, citizens aged 36 to 50 had the highest incidence of fraud attempts in June (35.5%). Check the breakdown by sector and age group
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| Fonte: Serasa Experian |
Fraudsters continue to concentrate in the South and Southeast regions
In the first half of this year, the states of Amapá, Acre, and Roraima had the lowest participation in the number of fraud attempts, while Minas Gerais, Rio de Janeiro, and São Paulo had the highest percentages. See below the graphs with the annual participation and the variation of the last twelve months
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| Fonte: Serasa Experian |
Attempts per million inhabitants
The indicator also showed that, on average, there were 4,110 fraud attempts per million inhabitants in Brazil. In the ranking by states, the Federal District led, followed by Mato Grosso, Santa Catarina, São Paulo, Paraná, and Mato Grosso do Sul. Check the complete list with the numbers below:
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| Fonte: Serasa Experian |
Avoid fraud: see tips from Serasa Experian experts to protect yourself
Consumidores:
· Ensure that your documents, cell phone and cards are safe and have strong passwords to access applications;
Be wary of offers for products and services, such as travel, with prices significantly below the market. At these moments, it is common for cybercriminals to use the names of well-known stores to try to invade your computer. They rely on emails, SMS, and website replicas to attempt to collect information, credit card data, passwords, and the buyer's personal information.
Be careful with links and files shared in social media message groups. They can be malicious and direct to unsafe pages, which infect devices with commands to operate without the user's awareness;
· Register your Pix keys only on official bank channels, such as banking apps, Internet Banking or branches;
· Do not provide passwords or access codes outside the bank's website or application;
· Do not make transfers to friends or relatives without confirming by phone or in person that it really is the person in question, as the person's contact may have been cloned or falsified;
· Only include your personal information and card details if you are sure that this is a secure environment;
· Monitor your CPF frequently to ensure that you have not been a victim of fraud.
Empresas:
Invest in fraud prevention technologies to protect the integrity and security of your company's operations.
· In an increasingly digital and interconnected business environment, where fraud evolves and expands rapidly, layered fraud prevention is not just a good practice, but a strategic necessity;
· Ensure the quality and veracity of data from fraud prevention solutions using solutions that are constantly improved in the face of changes and fraud threats;
· Deeply understand your user profile and constantly seek to minimize friction points in their digital journey, ensuring a fluid experience without compromising security.
· Use fraud prevention as a lever to generate revenue, implementing an intelligent orchestration of solutions that maximize security, reduce losses and enable a more agile and reliable shopping experience for the customer.
Methodology
The Serasa Experian Indicator of Fraud Attempts – Consumer is the result of cross-referencing two sets of information from Serasa Experian's databases: 1) total number of CPF inquiries made monthly at Serasa Experian; 2) risk estimate of fraud, obtained through the application of probabilistic fraud detection models developed by Serasa Experian, based on Brazilian data and Experian global technology already established in other countries. The Serasa Experian Indicator of Fraud Attempts – Consumer is composed of the multiplication of the number of CPF inquiries (item 1) based on the probability of fraud (item 2), in addition to the volume of fraud attempt records registered by the company related to document verification, facial biometrics, and registration verification.
