Total for the month was 830,740 occurrences, one every 3.1 seconds;
Serasa Experian gives tips for companies and consumers to avoid scams
In November 2023, according to the Serasa Experian Fraud Attempts Indicator, 26,798 fraudulent incidents were registered per day, totaling 830,740 in the month – a drop of 0.8% compared to October. With a criminal attack every 3.1 seconds, focused on identity theft, the data draws attention to partygoers to pay extra attention to their data and documents during Carnival. See, in the graph below, the month-by-month survey of occurrences and, in the following table, the participation by age:
The steps recorded by the indicator are considered unsuccessful thanks to the authentication and fraud prevention tools. They are based on document verification (identification document analysis), facial biometrics and registration verification. Of the total criminal attacks, 35.9% were against consumers aged between 36 and 50 years. Check out all the data by age group in the table below:
“The volume of fraud attempts by the Indicator is related to onboarding, that is, when opening accounts or applying for credit cards, for example. To ensure that these transactions are being carried out by people who are really who they say they are, without leaving aside the concern about causing a negative impact on the user experience, companies need to rely on agile and technological processes. This involves improving the layers of protection for an assertive analysis capable of identifying suspicious behavior to reduce the incidence of scams and harm to companies and consumers”, explains the director of Authentication and Fraud Prevention Products at Serasa Experian, Caio Rocha.
The “Banks and Cards” sector was the most targeted by fraudsters in November, with 50.0% of criminal attacks. The area with the lowest incidence was “Telephony” (1.3%). In the graph below, the details of this segment view:
Southeast in the crosshairs of criminals
In November, three of the four Federative Units (UFs) in the Southeast led the ranking with the highest volume of fraud attempts. Of the total states, 17 recorded a drop in coup incidents compared to the previous month. See the state survey in the graph below and the monthly variation in the table to the side:
Attempts per million inhabitants
There were 3,833 fraud attempts per million inhabitants in Brazil in November. In terms of UFs, the Federal District led the ranking with 6,336 and Maranhão appeared with the lowest number in this section (1,682). Check the breakdown by UFs below:
“Fraudometer”: counting fraud attempts in real time
The “Fraudometer” is the first fraud attempt counting tool in the country that includes a projection of the volume of unsuccessful fraudulent attacks registered by the company from January 2023 to the current moment. Between January and November 2023, according to the Datatech device, it is estimated that more than 9.8 million criminal incidents occurred against companies and consumers.
Avoid fraud: see tips from Serasa Experian experts to protect yourself
Consumers:
- Ensure that your document, cell phone and cards are secure and have strong passwords to access applications;
- Be wary of offers of products and services, such as travel, with prices well below the market. At these times, it is common for cybercriminals to use the names of well-known stores to try to invade your computer. They use emails, SMS and website replicas to try to collect information and credit card details, passwords and personal information from the buyer;
- Be careful with links and files shared in social media message groups. They can be malicious and lead to unsafe pages, which contaminate devices with viruses to work without the user noticing;
- Register your Pix keys only on official bank channels, such as the banking app, Internet Banking or branches;
- Do not provide passwords or access codes outside the bank's website or application;
- Do not make transfers to friends or relatives without confirming by phone call or in person that it really is the person in question, as the person's contact details may have been cloned or falsified;
- Only include your personal information and card details if you are sure that it is a secure environment;
- Monitor your CPF frequently to ensure you have not been a victim of any Pix fraud.
Companies:
- With the acceleration of the adoption of digital channels in consumers' lives, companies are increasingly investing in new methods of anti-fraud solutions and sophisticated technologies throughout the customer journey, so that the security of the operation does not affect their integrated experience. Serasa Experian, for example, has intelligent modular solutions and a team of experts that make it possible to offer a safe and frictionless experience to the end customer. With a combination of data, analytics and automated solutions, companies can safely expand their business.
- Count on online payment platforms. The company that wants to act online, providing services or selling products, needs to pay the utmost attention to payments. It is necessary to adopt a system that combines speed in the processing of transactions with security;
- Carry out purchasing analysis: invest in credit and fraud predictive layers, especially those that perform behavioral analysis of your customers and users. Thus, your company can evaluate the consumer's history in the market, the status of their CPF or CNPJ, their habits and the existence of pending issues in their name, for example;
- Check registrations. Having a customer database is essential to reinforce the security of online operations. In this regard, having access to an updated consumer register, in which it is possible to check the veracity of the information provided at the time of a purchase, for example, is another strategy to reduce risks when selling. Registration confirmation can easily identify fraud attempts, signaling suspicious situations, such as discrepancies in customer data with those contained in other reliable databases;
- Invest in anti-fraud solutions layered: there is no silver bullet that works for all cases. Therefore, it is important to equip your business with cutting-edge technologies that, combined, help to shield all stages of your customer's journey.
Methodology
The Serasa Experian Fraud Attempts Indicator – Consumer is the result of crossing two sets of information from the Serasa Experian databases: 1) total CPF consultations carried out monthly at Serasa Experian; 2) estimation of the risk of fraud, obtained through the application of probabilistic fraud detection models developed by Serasa Experian, based on Brazilian data and global Experian technology already consolidated in other countries. The Serasa Experian Fraud Attempts Indicator – Consumer is constituted by multiplying the number of CPFs consulted (item 1) by the probability of fraud (item 2), in addition to adding the volume of fraud attempts registered by the company relating to document verification, facial biometrics and registration verification.
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