Burezili yerekanye ko ikekwaho uburiganya bwa 3.8% half mu gice cya mbere cya 2025, irenga igipimo cya 2.8% by’ibihugu byo muri Amerika y'Epfo byasesenguwe². Raporo iheruka gukorwa na Digital Fraud Trends Raporo yakozwe na TransUnion, isosiyete ikora amakuru n’ubushishozi ku isi ikora nk'ikigo cya DataTech, iki gihugu kiri mu masoko atatu yo muri ako karere afite igipimo kiri hejuru ugereranyije muri Amerika y'Epfo, hamwe na Repubulika ya Dominikani (8,6%) na Nikaragwa (2,9%).
N'ubwo umuvuduko mwinshi, Burezili yagabanutse cyane ku ijanisha ry’abaguzi bavuga ko bakorewe uburiganya binyuze kuri imeri, kuri interineti, guhamagara kuri telefoni, cyangwa ubutumwa bugufi - kuva kuri 40% igihe babajijwe mu gice cya kabiri cya 2024 kugeza kuri 27% igihe babazwaga mu gice cya mbere cya 2025. Icyakora, 73% by’abaguzi bo muri Berezile mu gice cya mbere cya 2025 bavuze ko badashoboye kumenya niba barahohotewe n’uburiganya, bagaragaza uburiganya bw’uburiganya.
"Umubare munini w'uburiganya bwa digitale muri Berezile ugaragaza imbogamizi ku bucuruzi no ku baguzi. Ibipimo byo gukurikirana ntibihagije; ni ngombwa gusobanukirwa uburyo imyitwarire ishingiye kuri ibyo byaha. Amakuru yerekana ko abashuka uburiganya bigenda byihuta, bagakoresha ikoranabuhanga rishya ndetse n'impinduka mu ngeso za digitale. Muri iki gihe, gushora imari mu gukemura ibibazo by’ubukangurambaga ndetse na gahunda z’uburezi bwa digitale biba ngombwa kugira ngo bigabanye ingaruka, birinda ubunararibonye bw’abakiriya, kandi bikingira ikizere mu bikorwa by’imikorere ya interineti. Burezili.
Vishing uburiganya bwakozwe kuri terefone, aho abayigana bigana abantu cyangwa ibigo byizewe kugira ngo bashuke uwahohotewe kandi bakuremo amakuru y'ibanga, nk'amakuru ya banki, ijambo ryibanga, n'inyandiko z'umuntu ku giti cye - bikomeje kuba ubwoko bw’uburiganya bwavuzwe cyane mu Banyaburezili bavugaga ko bibasiwe (38%), ariko uburiganya burimo PIX (uburyo bwo kwishyura bwihuse muri Berezile) bugaragara ku mwanya wa kabiri, 28%.
Nubwo Burezili ifite igipimo kiri hejuru yikigereranyo cyo gukekwaho uburiganya bwa digitale, ibintu byo muri Amerika y'Epfo byerekana ibimenyetso byiza. Nk’uko iyi raporo ibigaragaza, mu bihugu hafi ya byose byo muri Amerika y'Epfo byagaragaye ko umubare w'abakekwaho kugerageza uburiganya bwa digitale wagabanutse.
Nubwo, nubwo hashyizweho ingufu n’amasosiyete, abaguzi bakomeje guhura na gahunda z’uburiganya, aho 34% by’ababajijwe muri Amerika y'Epfo bavuga ko bibasiwe binyuze kuri imeri, kuri interineti, guhamagara kuri telefoni, no kohereza ubutumwa bugufi hagati ya Gashyantare na Gicurasi uyu mwaka. Vishing nigitero cyavuzwe cyane mubihugu byo muri Amerika y'Epfo.
Igihombo cya miliyari
Igice cya kabiri 2025 cyavuguruwe muri Top Fraud Trends Raporo ya TransUnion yerekana kandi ko abayobozi b’ibigo muri Kanada, Hong Kong, Ubuhinde, Filipine, Ubwongereza, na Amerika bavuze ko amasosiyete yabo yatakaje amafaranga ahwanye na 7.7% y’amafaranga yinjije kubera uburiganya umwaka ushize, kwiyongera gukabije kuva kuri 6.5% byanditswe mu 2024. Iri ijanisha rihwanye n’igihombo cya miliyari 534 z’amadolari y’Amerika.
Ati: "Igihombo ku isi giturutse ku buriganya bw’ibigo kirenga miliyari y’amadolari, ntibihungabanya ubuzima bw’imari bw’amasosiyete gusa ahubwo binateza imbere ubukungu. Umutungo ushobora kwerekezwa ku guhanga udushya, ubushakashatsi, no kwaguka bikarangira utwarwa na gahunda z’uburiganya. Kugira ngo hagaragazwe ubunini bw’ibi bihombo ku isi, amafaranga ateganijwe yagereranywa na kimwe cya kane cya GDP muri Burezili." Iri gereranya ryerekana ingaruka zikomeye z’ubukungu bw’uburiganya ku isi. "
Mu buriganya bwatangajwe, 24% by'ubuyobozi bw'amasosiyete bavuze ko hakoreshwa uburiganya cyangwa uburiganya bwemewe (bukoresha ubwubatsi bw'imibereho) nk'impamvu zikunze gutakaza igihombo; ni ukuvuga, gahunda igamije gushuka umuntu mugutanga amakuru yingirakamaro, nko kubona konti, amafaranga, cyangwa amakuru y'ibanga.
Ingaruka ku mibanire y'abaguzi
Hafi ya kimwe cya kabiri, cyangwa 48%, by’abaguzi ku isi babajijwe na TransUnion ku isi hose bavuze ko bibasiwe na imeri, kuri interineti, guhamagara kuri telefoni, cyangwa gahunda z’uburiganya bw’ubutumwa hagati ya Gashyantare na Gicurasi 2025.
Mugihe 1.8% yubwoko bwose bukekwaho uburiganya bwa digitale bwamenyeshejwe TransUnion kwisi yose mugice cya mbere cyumwaka wa 2025 byari bifitanye isano nuburiganya nuburiganya, gufata konti (ATO) byabonye kimwe mubyihuta byiyongera mubijyanye nubunini (21%) mugice cyambere cya 2025 ugereranije nigihe kimwe cyo muri 2024.
Ubushakashatsi bushya kandi bwerekana ko konti z’abaguzi zikomeje kuba intego y’iterabwoba ry’uburiganya, amashyirahamwe ayobora gushimangira ingamba z’umutekano ndetse n’abantu ku giti cyabo kurushaho kuba maso ku makuru yabo, bagahuza ikintu cya kabiri cyo kwemeza nkigikorwa cyo gukumira.
Raporo yasanze gushiraho konti aribyo byerekeranye n'intambwe mu rugendo rwose rw'abaguzi ku isi. Aha niho abashuka bakoresha amakuru yibwe kugirango bafungure konti mumirenge itandukanye kandi bakora uburiganya bwose. Mu gice cya mbere cy'uyu mwaka honyine, mu kugerageza kwisi yose ku bucuruzi bwa konti hakoreshejwe ikoranabuhanga, TransUnion yasanze 8.3% iteye amakenga, bivuze ko byiyongereyeho 2,6% ugereranije n'icyo gihe cyashize umwaka ushize. Kwinjira mu bwato byari bifite umubare munini w’ibikorwa bikekwaho uburiganya bwa digitale mu mibereho y’abaguzi mu nzego zose zasesenguwe mu gice cya mbere cy’umwaka wa 2025, usibye serivisi z’imari, ubwishingizi, na guverinoma, aho impungenge zikomeye ari mu gihe cyo gucuruza amafaranga. Kuri iyi mirenge, ibikorwa nko kugura, kubikuza, no kubitsa byari bifite igipimo kinini cyibikorwa biteye amakenga.
Uburiganya bwimikino
Raporo nshya ya TransUnion ya Digital Fraud Trends yerekana ko igice cya e-siporo / amashusho yimikino, gikubiyemo imikino yo kuri interineti na terefone igendanwa, cyari gifite ijanisha ryinshi - 13.5% - ry’abakekwaho uburiganya bwa digitale ku isi hose mu gice cya mbere cy’umwaka wa 2025. Uyu mubare ugaragaza ko 28% byiyongereye ku gipimo cyo gukekwa ugereranije n’igihe kimwe cyo mu 2024.
Igice kigaragara mu bushakashatsi ni umukino, nka siporo yo kuri interineti kuri interineti na poker. Nk’uko bitangazwa n’urubuga rw’ubutasi rwa TransUnion ku isi, 6.8% y’ubucuruzi bw’imikino ya digitale hagati y’abaguzi bo muri Berezile mu gice cya mbere cy’umwaka wa 2025 bakekwaho uburiganya, bikiyongeraho 1,3% ugereranije n’igice cya mbere cya 2024 na 2025. Gukoresha nabi kuzamurwa mu ntera ni bwo bwoko bw’uburiganya bwakunze kugaragara ku isi hose.
Massola yagize ati: "Ingamba zikoreshwa n'abashuka uburiganya zigaragaza gushakisha inyungu zihuse kandi zifite agaciro kanini, gukoresha icyuho cya digitale hamwe n’amakuru yihariye. Iyi myitwarire ishimangira ko hakenewe uburyo bukomeye bwo kurinda indangamuntu no gukurikirana buri gihe, cyane cyane mu bice nko gukina imikino yo kuri interineti, aho iterambere ryihuta rikurura abagizi ba nabi ku isi hose."
Uburyo
Amakuru yose ari muri iyi raporo arahuza ubushishozi buva mu ihuriro ry’ubutasi rya TransUnion ku isi, ubushakashatsi bwakozwe mu buryo bwihariye muri Kanada, Hong Kong, Ubuhinde, Filipine, Ubwongereza, na Amerika, hamwe n’ubushakashatsi bw’umuguzi mu bihugu 18 n’uturere ku isi. Ubushakashatsi bw’ibigo bwakozwe kuva ku ya 29 Gicurasi kugeza ku ya 6 Kamena 2025.Ubushakashatsi bw’umuguzi bwakozwe kuva ku ya 5 kugeza ku ya 25 Gicurasi 2025.Ubushakashatsi bwuzuye murashobora kubusanga kuri iyi link: [ Ihuza]
[1] TransUnion ikoresha ubwenge buva miriyari yubucuruzi buturuka kurubuga rusaga 40.000. Igipimo cyangwa ijanisha ryabakekwaho kugerageza uburiganya bwa digitale byerekana ibyo abakiriya ba TransUnion bemeje byujuje kimwe mubintu bikurikira: 1) guhakana igihe nyacyo kubera ibimenyetso byuburiganya, 2) guhakana igihe nyacyo kubera kutubahiriza politiki y’ibigo, 3) uburiganya nyuma y’iperereza ry’abakiriya, cyangwa 4) kurenga kuri politiki y’amasosiyete nyuma y’iperereza ry’abakiriya - ugereranije n’ibikorwa byose byasuzumwe. Isesengura ry’igihugu n’akarere ryasuzumye ibikorwa aho umuguzi cyangwa ukekwaho uburiganya yari mu gihugu cyangwa akarere katoranijwe mugihe akora transaction. Imibare yisi yose ihagarariye ibihugu byose kwisi, ntabwo ibihugu byatoranijwe gusa.
[2] Amakuru yo muri Amerika y'Epfo arahuza ubushishozi ku bijyanye n'uburiganya bwa digitale buva mu ihuriro mpuzamahanga ry’ubutasi rya TransUnion muri Burezili, Chili, Kolombiya, Kosta Rika, Repubulika ya Dominikani, El Salvador, Guatemala, Honduras, Mexico, Nikaragwa, na Porto Rico; n'ubushakashatsi ku baguzi muri Berezile, Chili, Kolombiya, Repubulika ya Dominikani, na Guatemala.