Brazil registered a fraud attempt every 2.5 seconds in November, reveals 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 represents a growing risk to consumers and businesses, and our goal is to strengthen security at every stage of the journey," highlights 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 damage," he concludes.

More than half of fraud attempts are detected due to inconsistencies in registration information.

In the modality view of attempts, more than half (56%) of the occurrences were identified due to inconsistencies in registration information. This includes discrepancies between the user-provided data and 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 fraudulently use the information of third parties."

Furthermore, fraudulent patterns related to document authenticity and biometric validation accounted for 36.7% of the occurrences, while device verification contributed 7.3%, highlighting the need for integrated solutions to combat different fraud modalities.

Banks and Cards accounted for over 50% of fraud attempts.

Of the total fraud attempts prevented in November, the "Banks and Cards" segment was the most targeted by criminals (52.7%), while the "Retail" segment had the lowest incidence (2.1%). Regarding age demographics, citizens aged 36 to 50 were the most targeted for scams, representing 33.3% of the cases.

Statewide view: decline in monthly variation across all Federative Units (UFs)

In November 2024, the Serasa Experian Fraud Attempt Indicator revealed that all Federative Units (UFs) saw a decrease in investigations compared to the previous month. The largest decrease was in Santa Catarina (-4.11 TP3T). Nonetheless, a volume-based view showed that the Southern and Southeastern states remained targets for fraudsters.

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.