The rapid growth of e-commerce in Brazil has also given rise to a concerning increase in digital frauds. According to a survey by Equifax BoaVista, the attempts of hacking in e-commerce increased by 3,5% in 2024, compared to the year 2023
Seja envolvendo cartões clonados ou fraudes por bots e estornos indevidos via Pix, the accumulated losses by retailers due to these practices already amount to millions. Beyond the financial impact, estas ações também comprometem a confiança dos consumidores e a credibilidade das plataformas
Among the most common scams is identity theft, unauthorized use of user accounts (known ashacking de conta), frauds in chargebacks and the use of fake coupons. The complexity and sophistication of attacks have required companies to implement more robust solutions to ensure the security of their operations and preserve the customer journey
However, intelligent automation integrated into the Open ecosystem has gained prominence as a strategic protection tool. According to experts, combining technologies such as artificial intelligence, machine learning and big data analysis, these systems can monitor transactions in real time, identify suspicious patterns and act preventively in the face of abnormal behaviors
Intelligent automation allows for more accurate risk detection and reduces false positives — que muitas vezes impedem compras legítimas e afetam a experiência do consumidor, Explain Lígia Lopes, CEO ofTeros, intelligent data-driven automation platform, que complementa: “Além disso, we optimize operational resources by removing repetitive tasks from teams, redirecting focus to strategic decisions
According to the executive, frauds that use bots, for example, are increasingly common in limited edition product launches. By automating the purchasing process, these softwares are able to acquire large volumes of items before real customers have access to them, creating an unfair parallel market. Os golpes com Pix frequentemente envolvem a manipulação de comprovativos ou alegações falsas de erro para obter reembolso após o recebimento do produto
Another benefit of automation is the integration with anti-fraud systems based on biometrics and digital behavior. These solutions increase the level of transaction verification, helping to block sophisticated attacks such as phishing or account intrusions, que não seriam facilmente detectados por métodos tradicionais, highlights Lígia
In the Open Finance environment, the integrated automation also brought significant gains in terms of agility and customization, ainda segundo Lopes. The possibility of integrating bank data with management systems allows real-time reconciliations, automatize financial reports and offer services such as credit or insurance during checkout — everything with safety and transparency in data use
Although there is no single solution to the problem of frauds, the combination of technology and strategy is the most promising path. Digitalisation of consumption requires a proactive stance from companies and automation is no longer an option, another necessity for those who want to stay competitive, sure and relevant in the market, concluded the CEO of Teros
