The rapid growth of e-commerce in Brazil has also made room for a concerning increase in digital fraud. 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
Whether involving cloned cards or frauds by bots and improper chargebacks via Pix, the accumulated losses by retailers due to these practices already amount to millions. Beyond the financial impact, these actions also undermine consumer trust and platform credibility
Among the most common scams is identity theft, the improper use of user accounts (known asaccount takeover), chargeback frauds and the use of fake coupons. The complexity and sophistication of attacks have required companies to adopt more robust solutions to ensure the security of their operations and preserve the customer journey
However, The 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 — that often block legitimate purchases and affect the consumer experience, Explain Lígia Lopes, CEO ofTeros, intelligent data-driven automation platform, Furthermore, We optimize operational resources by removing repetitive tasks from the teams' hands, redirecting focus to strategic decisions
According to the executive, frauds that use bots, for example, they 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. The scams with Pix often involve manipulating receipts or false claims of error to obtain a refund after receiving the product
Another benefit of automation is 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 invasions, that would not be easily detected by traditional methods, highlights Lígia
In the Open Finance environment, the integrated automation also brought significant gains in terms of agility and customization, still according to Lopes. The possibility of integrating banking data with management systems allows real-time reconciliations, automate 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 fraud, the combination of technology and strategy is the most promising path. The digitization of consumption requires a proactive stance from companies and automation is no longer an option, another necessity for those who want to stay competitive, safe and relevant in the market, I completed the CEO of Teros
