Brasil registra uma tentativa de fraude a cada 2,5 segundos em novembro, revela Serasa Experian

Novembro marcou o quinto mês consecutivo de 2024 em que o Brasil ultrapassou a marca de 1 milhão de diligências de golpes evitados, totalizando 1.020.304 casos — frequência de uma ocorrência a cada 2,5 segundos e um aumento de 14,2% em relação ao mesmo período de 2023. Os dados são do Fraud Attempt Indicator da Serasa Experian, primeira e maior datatech do Brasil.

“Digital fraud poses an increasing risk to consumers and businesses, and our goal is to strengthen security at every stage of the” journey, said Caio Rocha, Director of Authentication and Fraud Prevention at Serasa Experian. “The technologies we use to identify fraudulent patterns and prevent scams have been essential for companies to identify attempts before they cause any losses”.

More than half of fraud attempts are detected by inconsistencies in registration information

In the view by mode of attempts, more than half (56%) of the occurrences were identified due to inconsistencies in the registration information, which include discrepancies between the data provided by users and the information recorded in reliable or official databases, such as CPF, address, date of birth or financial history. Rocha explains that “ these inconsistencies often indicate attempts to create false identities, manipulate existing data or use third-party information fraudulently”.

In addition, fraudulent standards related to document authenticity and biometric validation accounted for 36.7% of occurrences, while device verification contributed 7.3%, reinforcing the need for integrated solutions to combat different types of fraud.

Banks and Cards have concentrated more than 50% of fraud attempts

Of the total fraud attempts avoided in November, the “Banks and Cards” segment led as the preferred criminal (52.7%), while the “Varejo” had the lowest incidence (2.1%). Already in relation to age group, citizens between 36 and 50 years were the most targeted for the scams, representing 33.3% of the cases.

State view: decrease in monthly variation in all Federal Units (UFs)

Also in November 2024, the Serasa Experian Fraud Attempts Indicator revealed that all Federal Units (FU) recorded a drop in due diligence when compared to the previous month. The largest was in Santa Catarina (-4,1%). Still, the volume view indicated that the states of the South and Southeast continued in the sights of the scammers.

Distrito Federal: taxa de ocorrências a cada milhão de habitantes acima da média nacional

Apesar da queda no volume total de fraudes em todas as Unidades Federativas (UFs), a taxa de tentativas por milhão de habitantes ainda preocupa, superando 4,7 mil registros por milhão. O Distrito Federal liderou o ranking com mais de 7 mil ocorrências por milhão de habitantes, seguido por São Paulo, Mato Grosso e outros cinco estados que também ultrapassaram a média nacional.

“Combinar soluções antifraude, sem que impactem a experiência do usuário, e somá-las à conscientização dos consumidores, é primordial para que possamos cada vez mais inibir a ação de golpistas e proteger as identidades digitais de pessoas e operações das companhias”, destaca Rocha. Segundo o diretor, é necessário seguir investindo em tecnologia e conscientização para combater fraudes.