28 січня відзначається Міжнародний день захисту даних, дата, яка посилює важливість забезпечення безпеки та конфіденційності в цифровому світі. Це є тема, яка набуває ще більшої актуальності з зростанням PIX, відкритого Finance та використання фінансових додатків, як PicPay, Nubank та Mercado Pago, які трансформують спосіб, як ми взаємодіємо з цифровими послугами
О PIX, for example, вже є засобом платежу найпоширенішим серед бразильців. Сервіс миттєвого платежу, створений центральним банком (ЦБ), є використа за 76,4% of the population. Next, приходять картку дебіту (69,1%) і гроші (68,9%). Дані знаходяться наresearch"The Brazilian and His Relationship with Money", опублікованим від ЦБ
Open Finance, in turn, досягнув 37 мільйонів погоджень у жовтні 2024, будучи 99% фізичних осіб, що представляє зростання на 35% по відношенню до 27 мільйонів зареєстрованих у тому ж періоді 2023, згідно з дослідженням ⁇ Еволюція Open Finance в Бразилії ⁇, розроблений міжнародною консалтинговою BIP.
Ці досягнення є відображенням зростаючої довіри споживачів у обмін інформацією структурованою та безпечною формою. However, незважаючи на переваги обміну даними, все ще є сумніви щодо того як зробити це безпечно способом на фінансовому ринку, зберігаючи рівновагу між інновацією та приватністю
⁇ Важливо, щоб як компанії так і споживачі розуміли важливість захисту даних як ім, address, фінансова історія і звички споживання, забезпечуючи відповідність з Загальним Законом про захист даних (LGPD) ⁇, згадує експерт і CEO Lina Open X, Alan Mareines
LGPD: 58% компаній збільшили свої інвестиції в безпеку
LGPD була створена для регулювання використання та захисту персональних даних, promoting privacy and security. However, aliftingPwC revealed that 58% of companies increased their investments in information security after the implementation of the legislation. Це демонструє що, хоча процес відповідності перебуває в ході, є зростаюча обізнаність про актуальність захисту персональних даних
Адекватність бразильських компаній з Законом просунулася, але ще стикається значних викликів. According to astudyвід Logicalis, only 36% of organizations in Brazil claim to be fully compliant with the LGPD, while 43% are in the process of implementing measures to comply with the code. Notably, 6% of companies have not yet started specific actions for compliance
"The adaptation to the LGPD brings several challenges for companies", how the need to review internal policies, train employees and implement new data protection technologies. These measures are essential to prevent information leaks and ensure consumer trust, analyzes the CEO of Lina Open X, Mareines
For Mareines, consumers play a vital role in protecting their data. It is essential to be aware of your rights, how the right of access, correction and deletion of your data, in addition to adopting good practices when sharing personal information, how to verify the legitimacy of companies and use secure channels, detail
How to share data securely
To share information securely, it is essential to adopt best practices. First of all, make sure that the websites and applications you use are trustworthy and employ encryption technologies. You can check this by seeing if the address starts with "https" and if there is a padlock icon in the navigation bar.
Furthermore, read the privacy policies carefully to understand how your data will be collected, stored and used. Prioritize services that are transparent and clear regarding these practices
Adjust privacy settings on platforms and devices to control what information will be shared and with whom. Whenever possible, enable two-factor authentication (2FA) to add an extra layer of protection to your accounts. It is also important to create unique and strong passwords for each account and, if necessary, use a password manager to organize them securely
Keep your devices and applications updated with the latest versions of software and security patches. Avoid using public Wi-Fi networks to transmit personal data; opt for private connections or, якщо потрібне, use a virtual private network (VPN) to ensure a secure connection. Revise, regularly, the permissions granted to apps on your device, authorizing only access to the information essential for its operation
Be careful with emails, messages and links that seem suspicious or request personal information. Always confirm the authenticity of the sender before sharing any data.
Make frequent backups of important files to ensure you can recover them in case of loss or cyber attack. In certain situations, consider using solutions like digital wallets or authentication tokens to protect sensitive data
Finally, stay updated on modern security and privacy practices, monitoring new threats and vulnerabilities. "By following these guidelines, it is possible to share information more securely, protecting privacy and reducing, significantly, the risks of exposure or misuse of personal data, highlights Alan
10 benefits of sharing your data securely
Sharing personal information can offer a range of benefits for both consumers and businesses. According to aresearchfrom Mastercard, while 60% of executives believe that consumers recognize advantages in sharing their data to obtain benefits, only 44% of users actually see value in this
Для підприємств, the data provides valuable insights into market trends and areas for improvement, what contributes to the development of more innovative products and services. Consumers can benefit in various ways by opting for the secure sharing of their information, such as
1) Personalized servicesshared data allows companies to tailor products and services to individual consumer preferences. A practical example is streaming platforms that suggest content based on the user's viewing history
2) Discounts and rewardsmany companies offer benefits such as coupons, exclusive promotions or loyalty programs in exchange for customer information, incentivizing your loyalty
3) Improvement of user experiencedata helps companies create more intuitive interfaces and features that meet user expectations, enhancing the customer journey
4) Exclusive accesssome features or advantages, how to gain early access to releases and exclusive events, are available only to those who choose to share their information
5) Most relevant recommendationsbased on the data, companies can suggest products and services that truly meet the needs of consumers, saving time and improving the experience
6) Improvement of products and servicesfeedback and usage data help companies identify flaws and areas for improvement, resulting in more efficient solutions tailored to user demands
7) Enhanced securitybanks and digital services can use behavioral data to quickly detect fraud, in addition to offering more secure and practical authentication processes
8) Personalized supportdata sharing allows companies to provide more agile and effective technical support, adjusting solutions to the specific needs of each client
Advances in health and well-beingin the medical field, shared data enable more accurate diagnoses, personalized treatments and continuous monitoring, improving the quality of life of patients
10) Incentive for innovationdata collected ethically contributes to advancements in technology and artificial intelligence, generating benefits that impact, позитивно, the whole society
Understanding the importance of data sharing and adopting secure practices can bring numerous benefits, both for consumers and for businesses, promoting a safer and more efficient digital environment, concludes Mareines
