У першому півріччі 2024, a fraud attempt occurred every 3 seconds in the country, totaling 5,3 million in the period, avoided through the layers of protection applied during security authentications. The data is from theFraud Attempt Indicatorfrom Serasa Experian, first and largest datatech in Brazil. Only in June, the number was 860.966 occurrences, 4,6% above the figures recorded in the same period of 2023. See, in the following graphs, the data from the last 12 months and the evolution of the semi-annual total.
See, in the following graphs, the data from the last 12 months and the evolution of the semi-annual total
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| Source: Serasa Experian |
In the view by modality, 60,4% of the fraud attempts prevented in the semester were identified by inconsistencies in the registration data; 33,2% for fraudulent patterns related to document authenticity and biometric validation and 6,4% for suspicious behaviors on devices, as previous associations with frauds
To the Director of Authentication and Fraud Prevention at Serasa Experian, Caio Rocha, staying one step ahead of fraud is essential to combat it, ensuring that institutions can effectively protect themselves and their clients. Consumer confidence is strengthened when they know their information is secure. Our Digital Identity and Fraud Report has already revealed that consumers are increasingly familiar with the digital environment and prioritize security, demonstrating greater confidence in the companies that guarantee them
"Banks and Cards" was the sector with the highest number of reported fraud attempts in the semester (54%) and "Telecommunications" the segment with the lowest recurrence (4,7%). In relation to ages, citizens aged 36 to 50 had the highest incidence of fraud attempts in June 35,5%). Check the breakdown by sector and age group
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| Source: Serasa Experian |
Fraudsters continue to concentrate in the South and Southeast regions
In the first half of this year, the states of Amapá, Acre and Roraima had the lowest participation in the number of fraud attempts and Minas Gerais, Rio de Janeiro and São Paulo the highest percentages. See below the graphs with the annual participation and the variation of the last twelve months
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| Source: Serasa Experian |
Attempts per million inhabitants
The indicator also provided the insight that there were, on average, 4.110 fraud attempts for every million inhabitants in Brazil. No ranking by states, the DF led, followed by MT, SC, SP, PR and MS. Check the complete list with the following numbers
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| Source: Serasa Experian |
Avoid fraud: see tips from Serasa Experian experts to protect yourself
Consumers
Ensure that your document, mobile phones and cards should be secure and have strong passwords for app access
Be wary of product and service offers, like travels, at prices well below the market. In these moments, it is common for cybercriminals to use names of well-known stores to try to invade your computer. They make use of emails, SMS and website replicas to try to collect information and credit card data, buyer passwords and personal information
Attention to links and files shared in social media messaging groups. They can be malicious and direct to unsafe pages, that contaminate devices with commands to operate without the user noticing
Register your Pix keys only in the official channels of the banks, as a banking app, Internet Banking or agencies
Do not provide passwords or access codes outside the bank's website or app
Do not make transfers to friends or relatives without confirming by phone or in person that it is really the person in question, because the person's contact may have been cloned or forged
Include your personal information and card details only if you are sure it is a secure environment
Monitor your CPF regularly to ensure you have not been a victim of fraud
Companies
Invest in fraud prevention technologies to protect the integrity and security of your company's operations
In an increasingly digital and interconnected business environment, where fraud evolves and expands rapidly, layered fraud prevention is not just a good practice, but another strategic necessity
Ensure the quality and accuracy of the data from fraud prevention solutions through solutions that continuously improve in response to changes and threats of fraud
Understand deeply the profile of your user and constantly seek to minimize friction points in their digital journey, ensuring a smooth experience without compromising security
Use fraud prevention as a lever to generate revenue, implementing an intelligent orchestration of solutions that maximizes security, reduce losses and allow for a more agile and reliable shopping experience for the customer
Methodology
The Serasa Experian Fraud Attempt Indicator – Consumer is the result of the intersection of two sets of information from the Serasa Experian databases: 1) total number of CPF inquiries made monthly at Serasa Experian; 2) fraud risk assessment, obtained through the application of the probabilistic fraud detection models developed by Serasa Experian, based on Brazilian data and Experian's global technology already established in other countries. The Serasa Experian Indicator of Fraud Attempts – The consumer is constituted by the multiplication of the number of consulted CPFs (item 1) by the probability of fraud (item 2), in addition to the increase in the volume of fraud attempts recorded by the company related to document verification, facial biometrics and registration verification
