Amasosiyete yo muri Berezile yinjiza buri mwaka arenga miliyoni imwe y’amadolari y’Amerika (miliyoni 5.6 $) ashobora kuba yaratakaje byibuze 100.000 US $ - arenga $ 565.000 - n’abagizi ba nabi ba interineti, nk’uko Burezili Fraud Industry Pulse Survey 2025 , bwakozwe na Veriff, unicorn yo muri Esitoniya izobereye mu gukumira ruswa hakoreshejwe ikoranabuhanga ndetse n’umutekano wa interineti. Ubushakashatsi bugaragaza ko uburiganya bwo kuri interineti bwagize ingaruka ku kwinjiza amafaranga arenga 80% y’amasosiyete yo muri Berezile.
Ingaruka z’amafaranga y’uburiganya bwa digitale ku bucuruzi bwa Berezile ni ingirakamaro: abarenga kimwe cya gatanu (20.5%) by’abanyamwuga bo muri Berezile babajijwe bavuze ko batakaje byibuze 10% by’amafaranga binjiza kubera ibikorwa by’uburiganya. Uyu mubare ushyira Burezili imbere y’ibihugu nka Amerika (13.5%) n’Ubwongereza (9%), byerekana uburemere bw’ibihe byaho - igihombo gikunze guhungabanya ishoramari, ibikorwa, n’iterambere.
Iki kintu gishimangira icyifuzo cyihutirwa cyibigo kugirango bishyire mubikorwa ingamba zikomeye z'umutekano wa digitale. Mubyukuri, 79.5% byinzobere muri Berezile bavuga ko abakiriya babo basaba ingamba zifatika zo gukumira uburiganya, byerekana ko hahindutse imyitwarire ndetse no kurushaho kumenya ingaruka ziterwa kumurongo. Nkigisubizo, ikizere cyabaguzi cyahindutse umutungo wingenzi, kandi kubahiriza ibyifuzo byumutekano ubu nibyiza byo guhatanira.
AI: inkota y'amaharakubiri
Ubwenge bwa artile (AI) bwagize uruhare rudasobanutse mubijyanye numutekano wa digitale, bukoreshwa nabagizi ba nabi ndetse nubucuruzi. Nubwo gukoresha ubwenge n’imyitwarire ya AI bishobora kuba ingenzi mu kurinda amakuru, kumenyekana, no kwinjiza, ubushakashatsi bwa Veriff bwerekana ko 69% by’inzobere zabonye ubwiyongere bw’ikoreshwa ry’ikoranabuhanga n’abashuka. Muri icyo gihe, ibigo 69.5% nabyo bifata AI kugirango bishimangire umutekano wabo.
Ubwoko bwa ruswa bukunze kugaragara muri Berezile
Ubushakashatsi bwa Veriff bwerekanye ubwoko butatu bwingenzi bwuburiganya bwibasiye amasosiyete yo muri Berezile. Ibikunze kugaragara cyane ni malware (53%), ikoresha software mbi kugirango yinjire muri sisitemu, kwiba amakuru, no kuneka ibikorwa - akenshi bitamenyekanye. Icya kabiri ni uburiganya bwinyandiko (40%), bikubiyemo gukoresha inyandiko mpimbano cyangwa zahinduwe kugirango bigane indangamuntu zemewe no kubona serivisi zimari. Hanyuma, uburiganya bwemewe (36%) bibaho mugihe umukiriya yashutswe-mubisanzwe binyuze muburobyi -kwemeza gucuruza uburiganya, bigatuma ubu bwoko bwuburiganya bugorana cyane kumenya no guhindukira.
Amakuru ashimangira icyifuzo cyihutirwa cyo gukemura indangamuntu zikomeye no kunoza ubumenyi bwa digitale mubakoresha kugirango birinde igihombo cyamafaranga.
Urubuga rwa interineti Rio 2025: Kwirinda uburiganya ntabwo ari ikoranabuhanga gusa, ahubwo ni umuco.
Uruhare rwa Veriff mu nama y’urubuga Rio 2025 rurashimangira umuburo watanzwe n’ubushakashatsi buherutse gukorwa n’ikigo. Kaarel Kotkas, washinze kandi akaba n'umuyobozi mukuru wa Veriff, yitabiriye inama " Scamdemic: Uburyo fintechs irwanira inyuma," hamwe na Rodrigo Tognini (Conta Simples) na Lucas Vargas (Nomad), bayobowe na Kimberley Waldron (Yatangiye PR). Bagaragaje uburyo abatekamutwe bose bafite icyo bahuriyeho: konte ya banki, bityo rero hakenewe gutekereza nkuburiganya. Kaarel yashimangiye ati: "Basangira amakuru vuba kandi bagatera ku rugero runini. Nkuko abagizi ba nabi bakora mu buryo buteganijwe, inzego z’imari n’ikoranabuhanga nazo zigomba guhinduka mu bufatanye no guhana amakuru kugira ngo urusobe rw’ibidukikije muri rusange."
Umuyobozi mukuru wa Veriff yasobanuye ko gukumira uburiganya bidakwiye kurebwa gusa nk'ikoranabuhanga cyangwa ingamba z'ubucuruzi, ahubwo ko biri mu muco w'isosiyete. Ku bwe, kwirengagiza ibyo bikenewe bishobora guhungabanya igice kinini cy’amafaranga yinjira mu kigo. Izi ngaruka kandi zigira no ku baguzi ba nyuma, barangiza bakishyura amafaranga menshi kugira ngo bishyure igihombo cyatewe n'uburiganya: Ati: "Abakoresha inyangamugayo barangiza bakishyura 'umusoro w'icyizere' kugira ngo bahishe ibikorwa by'abakinnyi babi."
Kotkas yibanze kandi ku ngaruka ziterwa no gutakaza ikizere cya digitale: “Niba umuntu ahuye n'ikibazo cy'amafaranga, aba akunze kwirinda umurenge wose igihe kirekire. Kubwibyo rero, gukomeza kwizerana ku rubuga rwa interineti ni ngombwa kugira ngo udushya dukomeze kuzana inyungu muri sosiyete.”
Mu gukemura ibibazo bishya byugarije urwego, Kaarel yanagaragaje ko ibisubizo byakoraga mu bihe byashize bitagihagije bitewe n’ihindagurika ryihuse ry’abashuka. "Uburiganya bwihuta cyane, kandi abagizi ba nabi bafite ibikoresho bigezweho, kandi barabikoresha."
Ku bwe, Burezili ni urugero rusobanutse rw'izo mpinduka n'ibibazo. Yagaragaje udushya muri gahunda y’imari y’igihugu, nko guteza imbere Pix (Sisitemu yo kwishyura ako kanya muri Berezile) no gukoresha imibare y’ibinyabuzima kugira ngo igenzure indangamuntu. Icyakora, yihanangirije ko gushingira gusa ku ikoranabuhanga rimwe, nka biometrike, bishobora guteza akaga: "Nta gisubizo na kimwe gihagije, bityo rero, ni ngombwa guhuza ibinyabuzima hamwe n'isesengura ry'imyitwarire, amakuru ajyanye n'imiterere, hamwe n'ahantu hagenzurwa hagamijwe gushimangira umutekano, kuko tekiniki z'impimbano zateye imbere cyane".
Impuguke yatanze umuburo ku bijyanye n'umuvuduko wihuse w'uburyo bushya bwo kwishyura n'ingaruka bazana. Yashoje agira ati: "Kwishura ako kanya bisobanura uburiganya bwihuse. Niba ubwishyu bwihuse, ibisubizo birwanya uburiganya nabyo bigomba kwihuta."
Ku munsi wanyuma wibirori (30 Mata), Kaarel azitabira kandi ikiganiro "Turashobora kwizera guverinoma yuzuye? ". Iyi nama izahuza impuguke mu bijyanye n’umutekano wa interineti n’imyitwarire ya AI kugira ngo isesengure amahirwe n’ibibazo byo kubaka ibikorwa remezo bya guverinoma byuzuye, ndetse tunaganire niba koko ubwo buryo bushobora kuba umutekano cyangwa niba butanga inzira z’iterabwoba rya interineti.
Gufungura ihuriro ry’ikoranabuhanga muri São Paulo bishimangira ubwitange bwa Veriff muri Amerika y'Epfo.
Mu rwego rwo kwagura isi no kurushaho kwibanda ku isoko ryo muri Amerika y'Epfo, uruhare rwa Veriff mu nama yabereye i Rio 2025 rwaranzwe no gutangiza ihuriro ryayo rya mbere ry’ikoranabuhanga muri Berezile. Icyicaro gishya kigaragaza ishoramari rya miliyoni 17 z’amadolari y’Amerika (miliyoni 3 US $), giherereye kuri Avenida Paulista muri São Paulo - kimwe mu bigo by’ubukungu by’isi ku isi, bizwiho kuba urusobe rw’ibidukikije rukuze rw’impano, ihuriro ry’ikoranabuhanga, ibikorwa remezo n’ishoramari.
Ibirori byo gutangiza ibirori byahuje abayobozi n’abayobozi baturutse muri Esitoniya na Berezile. Kaarel Kotkas, afatanije na Roberta Guedes, umuyobozi ushinzwe kubahiriza amabwiriza agenga iyubahirizwa ry’ibanga n’ibanga muri iBetta, na Diego Perez, perezida wa ABFintechs, bitabiriye inama “Gufungura iterambere ry’ubucuruzi hamwe n’abantu nyabo mu gihe cya AI” , iyobowe na Maurício Guidi, umufatanyabikorwa mu kigo cy’amategeko cya Pinheiro Neto.
Iyi ntambwe yibikorwa ikurikira igihe cyiterambere ryibanze mukarere, hamwe na Veriff yanditseho inshuro zirenga 2,5 mubucuruzi muri Amerika y'Epfo mu mwaka ushize. Kuba iyi sosiyete igeze muri Berezile biri muri gahunda y’ingamba zo kurushaho kwegera abakiriya baho, gusobanukirwa n’ibikenewe ku isoko ry’Amerika yo muri Amerika y'Epfo, no kwagura ibikorwa byayo mu mizi y'akarere.
