“Of the total purchases authorized in electronic commerce, 27% corresponded to credit cards and 73% to debit cards,” said Cruz.
Mexico is in the 25th position with the most phishing attacks worldwide, according to a Kaspersky report.
It is in electronic commerce where users must take care of their data, since Fluid Attacks, a firm dedicated to providing security solutions in industries such as banking and finance, detects that the banking and fintech sector are the ones with the greatest risk.
“The financial sector is attacked a lot with phishing, a lot of malware, a lot of theft of credentials to commit fraud because in some way one is closer to monetizing,” Mauricio Gómez, co-founder of the firm, said in an interview.
The manager pointed out that fraud also occurs due to errors by the client when he does not make secure passwords or uses the same one for everything.
“People don’t rotate personal passwords and you have a password for everything: for Facebook, Instagram and your bank accounts,” Gomez said. The specialist recommended making passwords with misspellings and interspersing letters, symbols and numbers.
In the case of physical card payments, Prosa highlights the 21% growth in operations in 2021. “It represented 32% of total market transactions; this opens the way for a crime or misuse to be committed. information,” Cruz said.
The director of Prosa said that the prevention of fraud has to be given in two directions: the care of the information of the clients themselves and of the financial services companies.
In addition, Jeok Cruz considered that the use of biometrics will be key in the future to make transactions more agile and secure, as well as contactless cards, which are beginning to have an upturn in adoption.
“Both digital transformation and big data are fundamental: they are constantly evolving and force payment method participants to be at the forefront, so they must add biometric schemes to help make transactions more secure,” he pointed out. .
