Цифрове шахрайство більше не є сезонним і загрожує підприємствам цілий рік

Fraud risks don't end after major retail dates like Father's Day or Black Friday – fertile periods for cyberattacks and digital scams. Instead, a growing trend is the increase in fraudulent activity in the months following these commercial events. According to... НетонIn 2025, the digital fraud detection solution saw suspicious fraud attempts remaining above 400 million in January and February, indicating that fraudsters continue targeting users even when the volume of returns, refunds, and complaints is at its peak – making detection even more challenging.

From April to July, fraud attempts exceeded 500 million, demonstrating that risk is no longer tied solely to traditional shopping seasons, but to opportunistic attacks during promotional cycles. These "invisible peaks" present a challenge for retailers, as they reveal that anti-fraud platforms and systems need to operate with the same intensity post-event and throughout the entire year.

Furthermore, with the increasing adoption of global events like 8.8, 9.9, 10.10, Prime Day, and other international flash sales, the Brazilian e-commerce calendar has become increasingly fragmented and distributed, creating multiple sales peaks which attract more attacks.

Among the most common crimes are chargeback fraud, in which stolen credit card data is used for online purchases; the creation of fake accounts to fraudulently take advantage of coupons and promotions; and social engineering scams, where criminals impersonate company representatives to steal sensitive data or even money. The use of bots is also increasing, carrying out automated attacks on login, registration, and payment processes. With the aid of AI tools and stolen data, these methods are becoming more sophisticated, making it even harder to identify the criminals, particularly during periods of high operational demand.

Fraudsters adapt and create their own calendar, intensifying their actions with every new opportunity for high traffic, whether global or local. This demonstrates that companies need a continuous prevention strategy, aligned with every marketing and sales initiative – and not just reinforce defences during classic annual events, like Black Friday or Christmas," explains Thiago Bertacchini, Head of Sales and fraud detection specialist at Nethone.

To mitigate risks, companies should combine advanced fraud detection technologies with well-structured internal policies. Machine learning and behavioural analytics solutions allow for the identification of suspicious patterns in real-time, reducing false positives and blocking attempts. Strengthening authentication processes, reviewing payment flows, and implementing additional checks on high-value transactions or newly created accounts are essential. Furthermore, ongoing employee training and regularly updated security protocols ensure greater resilience against attacks. Another crucial measure is clear communication with customers regarding best practices – such as avoiding the sharing of sensitive information and verifying the legitimacy of contacts – to complement the company's prevention efforts.

In this scenario, solutions offering accurate AI models without manual review, analysing user and device signals in each transaction, become essential. The technology must adapt to the specifics of each operation, trained with labelled historical data and continuous feedback, to prevent losses throughout the year and during each sales peak.