1、2024 Scams Impact Survey:BrazilInvestigating the impact of authorized push payment (APP)fraud/scamsFICO Proprietary ResearchConducted July 2024,published October 2024Survey2As real-time payments(RTP)grow and awareness increases,can you effectively balance protection and customer experience?Consumers

2、 in Brazil are continuing to embrace real-time payments(RTP)services such as PIX.As the payments landscape evolves with RTP adoption,scams are following in the shadows,a threat that an increasing number of consumers in Brazil seem to recognize.Perceptions about RTP security are changing,with more Br

3、azilian consumers indicating they consider RTP to be safer than credit cards,yet an increasing number have reported scam losses to their banks.Brazilians also have high expectations for customer experiences.Most want more automated fraud detection,and most would approve if their bank stopped a payme

4、nt that was associated with a scam.Read on for more insights from our consumer survey and to understand how you can help protect customers from scams.An important note about the comparative data:The data referenced throughout comes from surveys FICO conducted in 2023 and 2024.Each survey asked more

5、than 12,000 consumers across 14 countries their opinions and experiences regarding RTP usage,scams,and their banks scams management capabilities.When year-over-year comparisons are made,they refer to a comparison between these two surveys that asked the same question in each year the survey was cond

6、ucted.3Virtually all Brazilian consumers are using RTP 99%of consumers in Brazil say they have sent RTP while 98%have received RTP,even higher than in 2023.While a third(33%)plan to maintain their current level of RTP use in the next 12 months,59%say they will increase usage,15%more than the global