FRAUDES E GOLPES BANCÁRIOS NO BRASIL: Tipologia e Iniciativas das Instituições Financeiras

Abstract

In the context of the Brazilian banking sector, protection against scams and frauds has been a priority, reflected in the initiatives of major financial institutions. However, upon analyzing these measures, it is evident that they are vulnerable in the face of the increasing sophistication of scams. This study aims to identify the main types of banking frauds and scams practiced in Brazil, adopting an exploratory qualitative approach. The research utilizes data from STJ (2023), analyzing 138 cases related to banking frauds. The results reveal various tactics, ranging from cyber frauds to direct scams. Financial institutions play a crucial role in preventing these frauds, but the need for more comprehensive and adaptable measures is apparent. Customer trust is fundamental, and financial losses can impact the continued use of online financial services. It is recommended to enhance cybersecurity, invest in financial education, and strengthen collaboration among institutions, regulators, and government agencies. This study contributes to the understanding of banking frauds in Brazil, highlighting the ongoing importance of proactive measures to maintain trust in the financial system.