- Datatech analyzed more than 2.8 million transactions in October 2024 and only 0.2% of them showed any type of indication of fraud;
- The document presented a scam risk of just 0.08%, compared to 3.8% for the RG and CNH
The new National Identity Card (CIN) has proven effective in reducing the risk of identity fraud. A survey conducted by Serasa Experian, the largest datatech in Brazil, analyzed, in October 2024, more than 2.8 million financial transactions that used the CIN and found that only 0.2% of them showed signs of fraud, representing only 0.08% of fraud risk with the document, a number significantly lower than other identification documents, such as the RG and CNH, which have a fraud rate of approximately 3.8%.
The study also revealed that, among the risks associated with the use of CIN, 38,68% are related to document tampering. Other frauds identified include 8,9% cases of photo overwriting and 8,44% of use of third-party documents, possibly originating from theft or identity theft.
The CIN, which is a more modern and standardized version of the RG, uses new security elements, such as the QR Code, and is now linked to the citizen's CPF, ensuring that the identification number is the same in any state in Brazil, which reduces the possibilities of issuing counterfeit documents.
According to Caio Rocha, Director of Authentication and Fraud Prevention at Serasa Experian, this link makes fraud more difficult. “Previously, a person could issue an ID card per state. Now, since the CPF number is now used to issue the CIN, this is no longer the case. This means that citizens will continue to have the same identification number in any state, thus avoiding the risk of false documents,” he explains.
Regarding the 38,68% of document alterations, the study revealed that frauds manifest themselves in two main ways: the alteration of valid documents, with the superimposition of photos (either manually or with the use of Artificial Intelligence), and the creation of falsified documents, which contain true data of victims, such as name, CPF, date of birth and filiation, but with the photo of the fraudster.
Caio Rocha explains that, in cases of tampering, fraudsters assume the identity of the victim. “When a document is tampered with, what we call ‘theft’ or ‘identity theft’ occurs, a situation in which the fraudster can use technology to ‘assume’ the identity of the victim, pretending to be them, to, for example, obtain credit in their name. This type of crime can lead to undue negative listing and legal problems for the victim without them being aware of the use of their data. Fraudsters are very creative and keep up with technological innovations. These are not new types of fraud, they just adapt and evolve them with changes in data use and new technologies”, he adds.
According to the executive, it is essential that new, more robust security solutions, such as biometrics and a national biometric database, combined with a unique identification number, such as the CPF, can guarantee even greater protection for people.
“Technology makes scams more difficult, but fraudsters also use it to become even more creative and scalable. We will continue to monitor and invest in technology, data and intelligence to make the market safer,” he concludes.
Serasa Experian
Serasa Experian is the first and largest Datatech in Brazil. A leader in intelligence solutions for analyzing risks and opportunities, focusing on credit journeys, authentication and fraud prevention. With cutting-edge technology, innovation and the best talent, it transforms the uncertainty of risk into the best decision, helping people achieve their dreams and companies of all sizes and segments to prosper.
Created in 1968, Serasa became part of the Experian Company in 2007, a global company headquartered in London. It is currently responsible for more than 6.5 million daily queries about companies and consumers and protects more than 2.2 billion commercial transactions every year.
Empowers consumers with financial education, facilitating access to fair credit. Helps companies of all sizes and segments to make better decisions, on several fronts to: find new customers, manage current ones more efficiently, grant credit or sell on credit safely, comply with ESG standards, authenticate its customers and prevent fraud, and also charge them at the ideal time, without impacting the relationship.
With the purpose of creating a better future for everyone by expanding opportunities for people and companies, the company trains people in the technology area and promotes small businesses and startups with social impact through its own free programs. It is considered a LinkedIn Top Company and one of the best companies to work for, recognized by GPTW. It is also the most innovative service company in the country, certified by the Valor Inovação Brasil Award.
expert
Experian is a global data and technology company that creates opportunity for people and drives businesses around the world. We facilitate credit journeys, authenticate and prevent fraud, streamline healthcare processes, provide digital marketing solutions, and help drive insights for the automotive industry, all using innovative combinations of our data, analytics, and software. We also help millions of people achieve their financial goals and save time and money.
We operate in a variety of markets, going beyond financial services and operating in the automotive, agribusiness, healthcare, insurance and many other industry segments. To continue innovating, we invest in talented people and advanced technology to unlock the power of data.
Headquartered in Dublin, Ireland, we are a FTSE 100 company listed on the London Stock Exchange (EXPN) and have a team of 22,500 people across 32 countries. Find out more at experianplc.com.
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