{"id":13393,"date":"2025-11-19T10:20:41","date_gmt":"2025-11-19T13:20:41","guid":{"rendered":"https:\/\/fenati.org.br\/?p=13393"},"modified":"2025-11-19T13:56:37","modified_gmt":"2025-11-19T16:56:37","slug":"fraudes-pix-disparam-expoem-vulnerabilidade-digital","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/fraudes-pix-disparam-expoem-vulnerabilidade-digital\/","title":{"rendered":"Fraudes com Pix disparam e exp\u00f5em vulnerabilidade digital dos brasileiros"},"content":{"rendered":"<p><strong>Pix &#8211;<\/strong> O <a href=\"https:\/\/pt.wikipedia.org\/wiki\/Brasil\" target=\"_blank\" rel=\"noopener\">Brasil<\/a> registrou 28 milh\u00f5es de fraudes envolvendo o Pix entre janeiro e setembro de 2025, de acordo com levantamento da Associa\u00e7\u00e3o de Defesa de Dados Pessoais e do Consumidor (ADDP). O sistema de pagamentos instant\u00e2neos segue como o principal alvo das quadrilhas, que t\u00eam ampliado seus m\u00e9todos de ataque no ambiente digital.<\/p>\n<p>Al\u00e9m das ocorr\u00eancias relacionadas ao Pix, o estudo identificou 2,7 milh\u00f5es de golpes em compras online, 1,6 milh\u00e3o de fraudes via WhatsApp e outros 1,5 milh\u00e3o de casos de phishing \u2014 modalidade em que mensagens falsas imitam comunica\u00e7\u00f5es oficiais para capturar dados e senhas. Situa\u00e7\u00f5es de \u201cfalsa central de atendimento\u201d aparecem na mesma propor\u00e7\u00e3o.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/falhas-de-ti-ja-provocam-prejuizos-em-larga-escala\/\" target=\"_blank\" rel=\"noopener\"><strong>LEIA: Falhas de TI j\u00e1 provocam preju\u00edzos em larga escala nas empresas, diz estudo<\/strong><\/a><\/p>\n<p>O relat\u00f3rio mostra que as fraudes financeiras representam quase metade dos crimes digitais mapeados (47%). Em seguida aparecem o roubo de identidade (15%), vazamentos e invas\u00f5es de dados (22%) e golpes ligados ao com\u00e9rcio eletr\u00f4nico (16%). Pessoas com mais de 50 anos continuam sendo as mais afetadas, somando 53% das v\u00edtimas.<\/p>\n<p>Segundo Francisco Gomes Junior, presidente da ADDP, a sofistica\u00e7\u00e3o dos ataques est\u00e1 ligada ao avan\u00e7o da intelig\u00eancia artificial, \u00e0 massifica\u00e7\u00e3o do Pix e \u00e0 falta de educa\u00e7\u00e3o digital. \u201cOs golpes digitais evolu\u00edram de forma acelerada, impulsionados pelo uso de intelig\u00eancia artificial [IA], pela populariza\u00e7\u00e3o do Pix e pela falta de educa\u00e7\u00e3o digital, afirmou.<\/p>\n<p><strong>Deepfakes ampliam o risco<\/strong><\/p>\n<p>O documento chama aten\u00e7\u00e3o para o aumento dos deepfakes, t\u00e9cnica que simula rostos e vozes reais para enganar v\u00edtimas. O Brasil aparece na segunda posi\u00e7\u00e3o global em volume de ataques cibern\u00e9ticos, com 700 milh\u00f5es de tentativas por ano \u2014 uma m\u00e9dia de 1.379 por minuto.<\/p>\n<p>As perdas financeiras variam conforme a fonte consultada, indo de R$ 10 bilh\u00f5es a R$ 112 bilh\u00f5es em 2024. A ADDP alerta que o n\u00famero real pode ser maior, j\u00e1 que muitos afetados n\u00e3o procuram a pol\u00edcia.<\/p>\n<p>Para reduzir os riscos, a associa\u00e7\u00e3o recomenda que fam\u00edlias e empresas adotem protocolos simples de confirma\u00e7\u00e3o antes de transfer\u00eancias, al\u00e9m de autentica\u00e7\u00e3o multifator e defini\u00e7\u00e3o de limites para opera\u00e7\u00f5es via Pix.<\/p>\n<p><strong>Medidas de conten\u00e7\u00e3o<\/strong><\/p>\n<p>O Banco Central passou a implementar novas regras para tentar frear o avan\u00e7o dos golpes:<\/p>\n<p>&#8211; Bloqueio de chaves Pix identificadas como usadas em fraudes, com base em informa\u00e7\u00f5es das pr\u00f3prias institui\u00e7\u00f5es financeiras;<br \/>\n&#8211; Limite de R$ 15 mil para transfer\u00eancias via Pix e TED, como medida adicional de seguran\u00e7a;<br \/>\n&#8211; Obrigatoriedade de negar transa\u00e7\u00f5es direcionadas a contas suspeitas;<br \/>\n&#8211; Cria\u00e7\u00e3o do \u201cbot\u00e3o de contesta\u00e7\u00e3o\u201d, que permite \u00e0 v\u00edtima solicitar rapidamente o bloqueio dos valores no banco do golpista, aumentando a chance de recupera\u00e7\u00e3o do dinheiro.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de Olhar Digital)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Ag\u00eancia Brasil\/Bruno Peres)<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Relat\u00f3rio aponta avan\u00e7o das fraudes digitais e alerta para uso crescente de deepfakes em golpes de identidade<\/p>","protected":false},"author":6,"featured_media":13394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[13],"class_list":["post-13393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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