Period back to school increases risks of online scams

The return to classes drives the demand for school supplies, electronics and accessories between July and August. With the increase in sales, the opportunity for more sophisticated digital fraud also grows Brazilian Yearbook of Public Safety of the DataSenate2024, Brazilians lost more than R$2.3 trillion due to cybercrime.Visa do Brasil reveals that the average ticket for fraudulent transactions was 60% higher than legitimate purchases in the same period.

In this scenario, Nethone, a digital fraud prevention solution, offers artificial intelligence models that analyze hundreds of user and device signals in each transaction, accurately and without relying on manual review.The technology is trained with labeled historical data and continuous feedback from customers, evolving and adapting to the specifics of each operation.

“Our focus is on empowering the customer: the AI model does not replace the process, but complements it. Innovation is done together, with constant learning based on real data from the and” and on the”, explains Thiago Bertacchini, fraud prevention specialist and Head of Sales at Nethone. He points out that the effectiveness of AI is directly related to the quality and quantity of data available - the richer the transactional basis, the more effective the defense against fraud.

The growing adoption of agentic commerce, a practice in which AI agents perform automated tasks such as shopping and browsing, brings convenience, but also unprecedented risks: credential exposure, injection attacks and malicious bots that simulate human behavior. “With bots as well trained as legitimate ones, fraud becomes more difficult to detect. Therefore, it is essential to have a prevention approach that analyzes context and behavior, not just static” rules, Bertacchini warns.

One of the most critical challenges in back-to-school is avoiding misplaced blocks to legitimate consumers, which can compromise conversion.Nethone uses proprietary technology to map thousands of signals in real time from behavioral patterns to variations in the buying environment & thus reduce false positives, maintaining good flow in the shopping cart.

“Security does not have to disrupt sales. With AI and behavioral data, it is possible to protect and trade without creating barriers to the user experience & especially in times of high demand”, concludes the expert.