ARTHI RAJAN MAKHIJA

.

Fraude além-fronteiras:

como as PME se podem

 expandir globalmente 

e permanecer seguras

𝑈𝑚 𝑒𝑚 𝑐𝑎𝑑𝑎 𝑞𝑢𝑎𝑡𝑟𝑜 𝑐𝑜𝑛𝑠𝑢𝑚𝑖𝑑𝑜𝑟𝑒𝑠 𝑐𝑜𝑛𝑡𝑖𝑛𝑢𝑎𝑟𝑎́ 𝑎 𝑓𝑎𝑧𝑒𝑟 𝑐𝑜𝑚𝑝𝑟𝑎𝑠 𝑎 𝑝𝑎𝑟𝑡𝑖𝑟 𝑑𝑒 𝑙𝑜𝑗𝑎𝑠 𝑜𝑛𝑙𝑖𝑛𝑒 𝑒𝑠𝑡𝑟𝑎𝑛𝑔𝑒𝑖𝑟𝑎𝑠, 𝑚𝑒𝑠𝑚𝑜 𝑑𝑒𝑝𝑜𝑖𝑠 𝑑𝑎 𝑝𝑎𝑛𝑑𝑒𝑚𝑖𝑎, 𝑑𝑒 𝑎𝑐𝑜𝑟𝑑𝑜 𝑐𝑜𝑚 𝑢𝑚 𝑟𝑒𝑐𝑒𝑛𝑡𝑒 𝑖𝑛𝑞𝑢𝑒́𝑟𝑖𝑡𝑜 𝑟𝑒𝑎𝑙𝑖𝑧𝑎𝑑𝑜 𝑝𝑒𝑙𝑎 𝐼𝑝𝑠𝑜𝑠 , 𝑞𝑢𝑒 𝑖𝑛𝑞𝑢𝑖𝑟𝑖𝑢 𝟷𝟹 𝑚𝑖𝑙 𝑝𝑒𝑠𝑠𝑜𝑎𝑠 𝑛𝑜𝑠 𝑚𝑎𝑖𝑜𝑟𝑒𝑠 𝑚𝑒𝑟𝑐𝑎𝑑𝑜𝑠 𝑑𝑒 𝑐𝑜𝑚𝑒́𝑟𝑐𝑖𝑜 𝑒𝑙𝑒𝑡𝑟𝑜́𝑛𝑖𝑐𝑜 𝑑𝑜 𝑚𝑢𝑛𝑑𝑜. 𝐸𝑠𝑡𝑎 𝑚𝑢𝑑𝑎𝑛𝑐̧𝑎 𝑖𝑙𝑢𝑠𝑡𝑟𝑎 𝑞𝑢𝑒 𝑐𝘩𝑒𝑔𝑜𝑢 𝑜 𝑚𝑜𝑚𝑒𝑛𝑡𝑜 𝑑𝑒 𝑡𝑜𝑑𝑜𝑠 𝑜𝑠 𝑐𝑜𝑚𝑒𝑟𝑐𝑖𝑎𝑛𝑡𝑒𝑠 𝑎𝑠𝑠𝑒𝑔𝑢𝑟𝑎𝑟𝑒𝑚 𝑞𝑢𝑒 𝑜 𝑠𝑒𝑢 𝑛𝑒𝑔𝑜́𝑐𝑖𝑜 𝑠𝑒 𝑎𝑑𝑎𝑝𝑡𝑎 𝑎̀ 𝑛𝑜𝑣𝑎 𝑒𝑐𝑜𝑛𝑜𝑚𝑖𝑎 𝑑𝑖𝑔𝑖𝑡𝑎𝑙 𝑒 𝑠𝑒 𝑒𝑛𝑐𝑜𝑛𝑡𝑟𝑎 𝑝𝑟𝑜𝑛𝑡𝑜 𝑝𝑎𝑟𝑎 𝑐𝑜𝑚𝑝𝑒𝑡𝑖𝑟 𝑝𝑒𝑙𝑜 𝑚𝑒𝑟𝑐𝑎𝑑𝑜 𝑔𝑙𝑜𝑏𝑎𝑙 𝑑𝑒 𝑟𝑒𝑡𝑎𝑙𝘩𝑜 𝑜𝑛𝑙𝑖𝑛𝑒 𝑑𝑒 𝑚𝑎𝑖𝑠 𝑑𝑒 𝟺,𝟸𝟾𝑇 𝑈𝑆𝐷, 𝑞𝑢𝑒 𝑠𝑒 𝑒𝑠𝑝𝑒𝑟𝑎 𝑞𝑢𝑒 𝑐𝑟𝑒𝑠𝑐̧𝑎 𝑟𝑎𝑝𝑖𝑑𝑎𝑚𝑒𝑛𝑡𝑒 𝑛𝑜𝑠 𝑝𝑟𝑜́𝑥𝑖𝑚𝑜𝑠 𝑎𝑛𝑜𝑠.

𝐴 𝑝𝑎𝑛𝑑𝑒𝑚𝑖𝑎 𝐶𝑂𝑉𝐼𝐷-𝟷𝟿 𝑎𝑐𝑒𝑙𝑒𝑟𝑜𝑢 𝑐𝑜𝑛𝑠𝑖𝑑𝑒𝑟𝑎𝑣𝑒𝑙𝑚𝑒𝑛𝑡𝑒 𝑢𝑚𝑎 𝑜𝑛𝑑𝑎 𝑑𝑒 𝑚𝑢𝑑𝑎𝑛𝑐̧𝑎 𝑑𝑖𝑔𝑖𝑡𝑎𝑙 𝑒𝑚 𝑞𝑢𝑎𝑠𝑒 𝑡𝑜𝑑𝑎𝑠 𝑎𝑠 𝑖𝑛𝑑𝑢́𝑠𝑡𝑟𝑖𝑎𝑠 𝑒𝑚 𝑡𝑟𝑒̂𝑠 𝑎 𝑐𝑖𝑛𝑐𝑜 𝑎𝑛𝑜𝑠. 𝐴𝑜 𝑚𝑒𝑠𝑚𝑜 𝑡𝑒𝑚𝑝𝑜, 𝑒𝑠𝑡𝑎 𝑜𝑛𝑑𝑎 𝑑𝑖𝑔𝑖𝑡𝑎𝑙 𝑡𝑎𝑚𝑏𝑒́𝑚 𝑎𝑝𝑟𝑒𝑠𝑒𝑛𝑡𝑜𝑢 𝑢𝑚 𝑐𝑒𝑛𝑎́𝑟𝑖𝑜 𝑞𝑢𝑎𝑠𝑒 𝑖𝑑𝑒𝑎𝑙 𝑝𝑎𝑟𝑎 𝑜𝑠 𝑎𝑢𝑡𝑜𝑟𝑒𝑠 𝑑𝑒 𝑓𝑟𝑎𝑢𝑑𝑒𝑠 𝑜𝑛𝑙𝑖𝑛𝑒 𝑒𝑥𝑝𝑙𝑜𝑟𝑎𝑟𝑒𝑚 𝑜 𝑚𝑒𝑑𝑜 𝑒 𝑎 𝑐𝑜𝑛𝑓𝑢𝑠𝑎̃𝑜 𝑐𝑟𝑖𝑎𝑑𝑜𝑠 𝑝𝑒𝑙𝑎 𝑝𝑎𝑛𝑑𝑒𝑚𝑖𝑎 𝑐𝑜𝑚𝑜 𝑢𝑚𝑎 𝑜𝑝𝑜𝑟𝑡𝑢𝑛𝑖𝑑𝑎𝑑𝑒 𝑝𝑎𝑟𝑎 𝑠𝑒 𝑎𝑝𝑟𝑜𝑣𝑒𝑖𝑡𝑎𝑟𝑒𝑚 𝑡𝑎𝑛𝑡𝑜 𝑑𝑜𝑠 𝑐𝑜𝑛𝑠𝑢𝑚𝑖𝑑𝑜𝑟𝑒𝑠 𝑣𝑢𝑙𝑛𝑒𝑟𝑎́𝑣𝑒𝑖𝑠, 𝑞𝑢𝑒 𝑠𝑎̃𝑜 𝑛𝑜𝑣𝑜𝑠 𝑛𝑎𝑠 𝑐𝑜𝑚𝑝𝑟𝑎𝑠 𝑜𝑛𝑙𝑖𝑛𝑒, 𝑐𝑜𝑚𝑜 𝑑𝑎𝑠 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑠 𝑞𝑢𝑒 𝑜𝑠 𝑒𝑠𝑡𝑎̃𝑜 𝑎 𝑠𝑒𝑟𝑣𝑖𝑟. 𝑈𝑚 𝑟𝑒𝑐𝑒𝑛𝑡𝑒 𝑖𝑛𝑞𝑢𝑒́𝑟𝑖𝑡𝑜 𝑎 𝟼𝟹𝟸 𝑙𝑖́𝑑𝑒𝑟𝑒𝑠 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑟𝑖𝑎𝑖𝑠 𝑛𝑜𝑠 𝐸𝑠𝑡𝑎𝑑𝑜𝑠 𝑈𝑛𝑖𝑑𝑜𝑠, 𝑟𝑒𝑎𝑙𝑖𝑧𝑎𝑑𝑜 𝑝𝑒𝑙𝑜 𝐼𝑛𝑠𝑡𝑖𝑡𝑢𝑡𝑜 𝑃𝑜𝑛𝑒𝑚𝑜𝑛 𝑒 𝑝𝑎𝑡𝑟𝑜𝑐𝑖𝑛𝑎𝑑𝑜 𝑝𝑒𝑙𝑜 𝑃𝑎𝑦𝑃𝑎𝑙, 𝑟𝑒𝑣𝑒𝑙𝑜𝑢 𝑞𝑢𝑒 𝑎𝑠 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑠 𝑒𝑠𝑡𝑎𝑣𝑎𝑚 𝑎 𝑝𝑒𝑟𝑑𝑒𝑟 𝑢𝑚𝑎 𝑚𝑒́𝑑𝑖𝑎 𝑑𝑒 𝟺,𝟻 𝑚𝑖𝑙𝘩𝑜̃𝑒𝑠 𝑑𝑒 𝑑𝑜́𝑙𝑎𝑟𝑒𝑠 𝑝𝑜𝑟 𝑎𝑛𝑜 𝑑𝑒𝑣𝑖𝑑𝑜 𝑎 𝑡𝑟𝑎𝑛𝑠𝑎𝑐̧𝑜̃𝑒𝑠 𝑓𝑟𝑎𝑢𝑑𝑢𝑙𝑒𝑛𝑡𝑎𝑠. 𝑂𝑢𝑡𝑟𝑜𝑠 𝑒𝑠𝑡𝑢𝑑𝑜𝑠 𝑎𝑡𝑒́ 𝑚𝑜𝑠𝑡𝑟𝑎𝑟𝑎𝑚 𝑞𝑢𝑒 𝑎 𝑐𝑖𝑏𝑒𝑟𝑐𝑟𝑖𝑚𝑖𝑛𝑎𝑙𝑖𝑑𝑎𝑑𝑒 𝑡𝑜𝑟𝑛𝑜𝑢-𝑠𝑒 𝑎 𝑡𝑒𝑟𝑐𝑒𝑖𝑟𝑎 𝑚𝑎𝑖𝑜𝑟 𝑒𝑐𝑜𝑛𝑜𝑚𝑖𝑎 𝑎𝑡𝑟𝑎́𝑠 𝑑𝑜𝑠 𝐸𝑈𝐴 𝑒 𝑑𝑎 𝐶𝘩𝑖𝑛𝑎 𝑒 𝑖𝑟𝑎́ 𝑐𝑟𝑒𝑠𝑐𝑒𝑟 𝑝𝑎𝑟𝑎 𝑐𝑢𝑠𝑡𝑎𝑟 𝑎𝑜 𝑚𝑢𝑛𝑑𝑜 $𝟷𝟶,𝟻𝑇 𝑎𝑛𝑢𝑎𝑙𝑚𝑒𝑛𝑡𝑒 𝑎𝑡𝑒́ 𝟸𝟶𝟸𝟻.

𝐸𝑚𝑏𝑜𝑟𝑎 𝑒𝑥𝑖𝑠𝑡𝑎𝑚 𝑣𝑎́𝑟𝑖𝑜𝑠 𝑐𝑒𝑛𝑎́𝑟𝑖𝑜𝑠 𝑒 𝑡𝑎́𝑡𝑖𝑐𝑎𝑠 𝑑𝑒 𝑓𝑟𝑎𝑢𝑑𝑒 𝑞𝑢𝑒 𝑎𝑡𝑜𝑟𝑚𝑒𝑛𝑡𝑎𝑚 𝑎𝑠 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑠, 𝑎 𝑚𝑎𝑖𝑜𝑟𝑖𝑎 𝑑𝑜𝑠 𝑒𝑠𝑓𝑜𝑟𝑐̧𝑜𝑠 𝑑𝑜𝑠 𝑎𝑢𝑡𝑜𝑟𝑒𝑠 𝑑𝑒 𝑓𝑟𝑎𝑢𝑑𝑒𝑠 𝑒𝑠𝑡𝑎́ 𝑠𝑖𝑚𝑝𝑙𝑒𝑠𝑚𝑒𝑛𝑡𝑒 𝑎 𝑎𝑝𝑟𝑜𝑣𝑒𝑖𝑡𝑎𝑟-𝑠𝑒 𝑑𝑎 𝑓𝑎𝑙𝑡𝑎 𝑑𝑒 𝘩𝑖𝑔𝑖𝑒𝑛𝑒 𝑐𝑖𝑏𝑒𝑟𝑛𝑒́𝑡𝑖𝑐𝑎. 𝑃𝑜𝑟 𝑒𝑥𝑒𝑚𝑝𝑙𝑜, 𝑜𝑠 𝑐𝑟𝑖𝑚𝑖𝑛𝑜𝑠𝑜𝑠 𝑢𝑡𝑖𝑙𝑖𝑧𝑎𝑚 𝑡𝑒́𝑐𝑛𝑖𝑐𝑎𝑠 𝑏𝑎́𝑠𝑖𝑐𝑎𝑠 𝑐𝑜𝑚𝑜 𝑝𝘩𝑖𝑠𝘩𝑖𝑛𝑔 𝑒 𝑠𝑚𝑖𝑠𝘩𝑖𝑛𝑔 𝑝𝑎𝑟𝑎 𝑎𝑡𝑎𝑐𝑎𝑟 𝑡𝑎𝑛𝑡𝑜 𝑝𝑒𝑞𝑢𝑒𝑛𝑎𝑠 𝑐𝑜𝑚𝑜 𝑔𝑟𝑎𝑛𝑑𝑒𝑠 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑠 𝑒 𝑎𝑑𝑞𝑢𝑖𝑟𝑖𝑟 𝑖𝑙𝑒𝑔𝑎𝑙𝑚𝑒𝑛𝑡𝑒 𝑐𝑟𝑒𝑑𝑒𝑛𝑐𝑖𝑎𝑖𝑠 𝑓𝑖𝑛𝑎𝑛𝑐𝑒𝑖𝑟𝑎𝑠 𝑜𝑢 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑐̧𝑜̃𝑒𝑠 𝑝𝑒𝑠𝑠𝑜𝑎𝑙𝑚𝑒𝑛𝑡𝑒 𝑖𝑑𝑒𝑛𝑡𝑖𝑓𝑖𝑐𝑎́𝑣𝑒𝑖𝑠. 𝐼𝑛𝑓𝑒𝑙𝑖𝑧𝑚𝑒𝑛𝑡𝑒, 𝑎𝑠 𝑃𝑀𝐸𝑠 𝑠𝑎̃𝑜 𝑓𝑟𝑒𝑞𝑢𝑒𝑛𝑡𝑒𝑚𝑒𝑛𝑡𝑒 𝑜 𝑎𝑙𝑣𝑜 𝑑𝑒𝑠𝑡𝑒 𝑡𝑖𝑝𝑜 𝑑𝑒 𝑎𝑡𝑎𝑞𝑢𝑒𝑠 𝑑𝑒𝑣𝑖𝑑𝑜 𝑎̀ 𝑓𝑎𝑙𝑡𝑎 𝑜𝑢 𝑎𝑜𝑠 𝑟𝑒𝑐𝑢𝑟𝑠𝑜𝑠 𝑙𝑖𝑚𝑖𝑡𝑎𝑑𝑜𝑠 𝑑𝑒𝑑𝑖𝑐𝑎𝑑𝑜𝑠 𝑎̀ 𝑝𝑟𝑜𝑡𝑒𝑐̧𝑎̃𝑜 𝑐𝑜𝑛𝑡𝑟𝑎 𝑎 𝑓𝑟𝑎𝑢𝑑𝑒, 𝑒 𝑎𝑠 𝑞𝑢𝑒 𝑣𝑒𝑛𝑑𝑒𝑚 𝑖𝑛𝑡𝑒𝑟𝑛𝑎𝑐𝑖𝑜𝑛𝑎𝑙𝑚𝑒𝑛𝑡𝑒 𝑝𝑜𝑑𝑒𝑚 𝑠𝑒𝑟 𝑒𝑥𝑝𝑜𝑠𝑡𝑎𝑠 𝑎 𝑣𝑒𝑡𝑜𝑟𝑒𝑠 𝑑𝑒 𝑎𝑚𝑒𝑎𝑐̧𝑎 𝑎𝑖𝑛𝑑𝑎 𝑚𝑎𝑖𝑜𝑟𝑒𝑠, 𝑠𝑒 𝑛𝑎̃𝑜 𝑡𝑜𝑚𝑎𝑟𝑒𝑚 𝑎𝑠 𝑝𝑟𝑒𝑐𝑎𝑢𝑐̧𝑜̃𝑒𝑠 𝑛𝑒𝑐𝑒𝑠𝑠𝑎́𝑟𝑖𝑎𝑠.

𝑂 𝑞𝑢𝑒 𝑎𝑠 𝑃𝑀𝐸𝑠 𝑝𝑜𝑑𝑒𝑚 𝑓𝑎𝑧𝑒𝑟 𝑝𝑎𝑟𝑎 𝑎𝑗𝑢𝑑𝑎𝑟 𝑎 𝑝𝑟𝑜𝑡𝑒𝑔𝑒𝑟 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠 𝑒 𝑜 𝑠𝑒𝑢 𝑛𝑒𝑔𝑜́𝑐𝑖𝑜?

𝐸𝑚𝑏𝑜𝑟𝑎 𝑜 𝑝𝑜𝑡𝑒𝑛𝑐𝑖𝑎𝑙 𝑑𝑒 𝑓𝑟𝑎𝑢𝑑𝑒 𝑠𝑒𝑗𝑎 𝑒𝑙𝑒𝑣𝑎𝑑𝑜 𝑛𝑎𝑠 𝑡𝑟𝑎𝑛𝑠𝑎𝑐̧𝑜̃𝑒𝑠 𝑜𝑛𝑙𝑖𝑛𝑒, 𝑎𝑜 𝑐𝑜𝑙𝑜𝑐𝑎𝑟 𝑒𝑚 𝑝𝑟𝑎́𝑡𝑖𝑐𝑎 𝑎𝑠 𝑓𝑒𝑟𝑟𝑎𝑚𝑒𝑛𝑡𝑎𝑠 𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠𝑜𝑠 𝑎𝑑𝑒𝑞𝑢𝑎𝑑𝑜𝑠, 𝑜𝑠 𝑐𝑜𝑚𝑒𝑟𝑐𝑖𝑎𝑛𝑡𝑒𝑠 𝑝𝑜𝑑𝑒𝑚 𝑎𝑗𝑢𝑑𝑎𝑟 𝑎 𝑚𝑎𝑛𝑡𝑒𝑟 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑛𝑒𝑔𝑜́𝑐𝑖𝑜𝑠 𝑒 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠 𝑠𝑒𝑔𝑢𝑟𝑜𝑠, 𝑎𝑜 𝑚𝑒𝑠𝑚𝑜 𝑡𝑒𝑚𝑝𝑜 𝑞𝑢𝑒 𝑟𝑒𝑑𝑢𝑧𝑒𝑚 𝑎𝑠 𝘩𝑖𝑝𝑜́𝑡𝑒𝑠𝑒𝑠 𝑑𝑒 𝑎𝑓𝑜𝑔𝑎𝑚𝑒𝑛𝑡𝑜 𝑛𝑎𝑠 𝑡𝑎𝑥𝑎𝑠 𝑑𝑒 𝑐𝘩𝑎𝑟𝑔𝑒𝑏𝑎𝑐𝑘 𝑒 𝑑𝑒 𝑝𝑒𝑟𝑑𝑎 𝑑𝑒 𝑟𝑒𝑐𝑒𝑖𝑡𝑎𝑠. 𝐸𝑚 𝑏𝑎𝑖𝑥𝑜 𝑒𝑠𝑡𝑎̃𝑜 𝑑𝑒𝑠𝑐𝑟𝑖𝑡𝑎𝑠 𝑠𝑒𝑡𝑒 𝑑𝑖𝑐𝑎𝑠 𝑝𝑎𝑟𝑎 𝑎𝑗𝑢𝑑𝑎𝑟 𝑎 𝑐𝑜𝑚𝑒𝑐̧𝑎𝑟.

𝑀𝑎𝑛𝑡𝑒𝑛𝘩𝑎-𝑠𝑒 𝑒𝑚 𝑎𝑙𝑒𝑟𝑡𝑎.

𝐸𝑠𝑡𝑒𝑗𝑎 𝑎𝑡𝑒𝑛𝑡𝑜 𝑎 𝑠𝑖𝑛𝑎𝑖𝑠 𝑠𝑢𝑠𝑝𝑒𝑖𝑡𝑜𝑠, 𝑡𝑎𝑖𝑠 𝑐𝑜𝑚𝑜 𝑢𝑚𝑎 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎 𝑠𝑒𝑟 𝑚𝑎𝑖𝑜𝑟 𝑑𝑜 𝑞𝑢𝑒 𝑜 𝑛𝑜𝑟𝑚𝑎𝑙 𝑜𝑢 𝑟𝑒𝑐𝑒𝑏𝑒𝑟 𝑢𝑚 𝑛𝑢́𝑚𝑒𝑟𝑜 𝑖𝑛𝑣𝑢𝑙𝑔𝑎𝑟𝑚𝑒𝑛𝑡𝑒 𝑒𝑙𝑒𝑣𝑎𝑑𝑜 𝑑𝑒 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎𝑠 𝑖𝑛𝑡𝑒𝑟𝑛𝑎𝑐𝑖𝑜𝑛𝑎𝑖𝑠 𝑛𝑢𝑚 𝑐𝑢𝑟𝑡𝑜 𝑒𝑠𝑝𝑎𝑐̧𝑜 𝑑𝑒 𝑡𝑒𝑚𝑝𝑜. 𝑂𝑢𝑡𝑟𝑎𝑠 "𝑏𝑎𝑛𝑑𝑒𝑖𝑟𝑎𝑠 𝑣𝑒𝑟𝑚𝑒𝑙𝘩𝑎𝑠" 𝑖𝑛𝑐𝑙𝑢𝑒𝑚 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎𝑠 𝑞𝑢𝑒 𝑐𝑜𝑛𝑠𝑖𝑠𝑡𝑒𝑚 𝑒𝑚 𝑣𝑎́𝑟𝑖𝑜𝑠 𝑝𝑒𝑑𝑖𝑑𝑜𝑠 𝑝𝑎𝑟𝑎 𝑜 𝑚𝑒𝑠𝑚𝑜 𝑎𝑟𝑡𝑖𝑔𝑜 𝑜𝑢 𝑣𝑎́𝑟𝑖𝑎𝑠 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎𝑠 𝑑𝑒 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠 𝑑𝑖𝑓𝑒𝑟𝑒𝑛𝑡𝑒𝑠 𝑞𝑢𝑒 𝑠𝑎̃𝑜 𝑒𝑛𝑣𝑖𝑎𝑑𝑎𝑠 𝑝𝑎𝑟𝑎 𝑜 𝑚𝑒𝑠𝑚𝑜 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜. 𝑈𝑡𝑖𝑙𝑖𝑧𝑒 𝑢𝑚 𝑠𝑖𝑠𝑡𝑒𝑚𝑎 𝑑𝑒 𝑣𝑒𝑟𝑖𝑓𝑖𝑐𝑎𝑐̧𝑎̃𝑜 𝑑𝑒 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜𝑠 (𝐴𝑉𝑆).

𝑂 𝐴𝑉𝑆 (𝑎𝑑𝑑𝑟𝑒𝑠𝑠 𝑣𝑒𝑟𝑖𝑓𝑖𝑐𝑎𝑡𝑖𝑜𝑛 𝑠𝑦𝑠𝑡𝑒𝑚) 𝑐𝑜𝑚𝑝𝑎𝑟𝑎 𝑎𝑠 𝑝𝑎𝑟𝑡𝑒𝑠 𝑛𝑢𝑚𝑒́𝑟𝑖𝑐𝑎𝑠 𝑑𝑜 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜 𝑑𝑒 𝑓𝑎𝑡𝑢𝑟𝑎𝑐̧𝑎̃𝑜 𝑎𝑟𝑚𝑎𝑧𝑒𝑛𝑎𝑑𝑜 𝑛𝑢𝑚 𝑐𝑎𝑟𝑡𝑎̃𝑜 𝑑𝑒 𝑐𝑟𝑒́𝑑𝑖𝑡𝑜 𝑐𝑜𝑚 𝑜 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜 𝑎𝑟𝑞𝑢𝑖𝑣𝑎𝑑𝑜 𝑛𝑎 𝑒𝑚𝑝𝑟𝑒𝑠𝑎 𝑑𝑜 𝑐𝑎𝑟𝑡𝑎̃𝑜 𝑑𝑒 𝑐𝑟𝑒́𝑑𝑖𝑡𝑜. 𝐸𝑠𝑡𝑎 𝑒́ 𝑢𝑚𝑎 𝑓𝑒𝑟𝑟𝑎𝑚𝑒𝑛𝑡𝑎 𝑖𝑛𝑐𝑙𝑢𝑖́𝑑𝑎 𝑛𝑎 𝑚𝑎𝑖𝑜𝑟𝑖𝑎 𝑑𝑎𝑠 𝑠𝑜𝑙𝑢𝑐̧𝑜̃𝑒𝑠 𝑑𝑒 𝑝𝑟𝑜𝑐𝑒𝑠𝑠𝑎𝑚𝑒𝑛𝑡𝑜 𝑑𝑒 𝑝𝑎𝑔𝑎𝑚𝑒𝑛𝑡𝑜𝑠, 𝑚𝑎𝑠 𝑣𝑒𝑟𝑖𝑓𝑖𝑞𝑢𝑒 𝑐𝑜𝑚 𝑜 𝑠𝑒𝑢 𝑝𝑟𝑜𝑐𝑒𝑠𝑠𝑎𝑑𝑜𝑟 𝑑𝑒 𝑝𝑎𝑔𝑎𝑚𝑒𝑛𝑡𝑜𝑠 𝑝𝑎𝑟𝑎 𝑡𝑒𝑟 𝑎 𝑐𝑒𝑟𝑡𝑒𝑧𝑎 𝑑𝑒 𝑞𝑢𝑒 𝑒́ 𝑠𝑢𝑝𝑜𝑟𝑡𝑎𝑑𝑎. 𝐷𝑒𝑠𝑐𝑜𝑛𝑓𝑖𝑒 𝑠𝑒 𝑢𝑚 𝑐𝑙𝑖𝑒𝑛𝑡𝑒 𝑝𝑒𝑑𝑖𝑟 𝑝𝑎𝑟𝑎 𝑎𝑙𝑡𝑒𝑟𝑎𝑟 𝑜 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜 𝑑𝑒 𝑒𝑛𝑣𝑖𝑜 𝑑𝑒𝑝𝑜𝑖𝑠 𝑑𝑒 𝑎 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎 𝑡𝑒𝑟 𝑠𝑖𝑑𝑜 𝑝𝑎𝑔𝑎. 𝑂𝑠 𝑐𝑟𝑖𝑚𝑖𝑛𝑜𝑠𝑜𝑠 𝑝𝑜𝑑𝑒𝑚 𝑒𝑛𝑣𝑖𝑎𝑟 𝑒𝑛𝑐𝑜𝑚𝑒𝑛𝑑𝑎𝑠 𝑎 𝑡𝑟𝑎𝑛𝑠𝑖𝑡𝑎́𝑟𝑖𝑜𝑠, 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑠 𝑑𝑒 𝑒𝑥𝑝𝑒𝑑𝑖𝑐̧𝑎̃𝑜, 𝑐𝑎𝑖𝑥𝑎𝑠 𝑝𝑜𝑠𝑡𝑎𝑖𝑠 𝑜𝑢 𝑝𝑟𝑜𝑝𝑟𝑖𝑒𝑑𝑎𝑑𝑒𝑠 𝑣𝑎𝑔𝑎𝑠 𝑝𝑎𝑟𝑎 𝑞𝑢𝑒 𝑝𝑜𝑠𝑠𝑎𝑚 𝑝𝑒𝑟𝑚𝑎𝑛𝑒𝑐𝑒𝑟 𝑎𝑛𝑜́𝑛𝑖𝑚𝑜𝑠.

𝐸𝑥𝑖𝑔𝑖𝑟 𝑜 𝑣𝑎𝑙𝑜𝑟 𝑑𝑒 𝑣𝑒𝑟𝑖𝑓𝑖𝑐𝑎𝑐̧𝑎̃𝑜 𝑑𝑜 𝑐𝑎𝑟𝑡𝑎̃𝑜 (𝐶𝑉𝑉).

𝐸𝑠𝑡𝑎́ 𝑓𝑎𝑚𝑖𝑙𝑖𝑎𝑟𝑖𝑧𝑎𝑑𝑜 𝑐𝑜𝑚 𝑒𝑠𝑡𝑒 𝑐𝑜́𝑑𝑖𝑔𝑜 𝑑𝑒 𝑠𝑒𝑔𝑢𝑟𝑎𝑛𝑐̧𝑎 𝑑𝑒 𝑡𝑟𝑒̂𝑠 𝑜𝑢 𝑞𝑢𝑎𝑡𝑟𝑜 𝑑𝑖́𝑔𝑖𝑡𝑜𝑠 𝑖𝑚𝑝𝑟𝑒𝑠𝑠𝑜 𝑛𝑜𝑠 𝑐𝑎𝑟𝑡𝑜̃𝑒𝑠 𝑑𝑒 𝑐𝑟𝑒́𝑑𝑖𝑡𝑜. 𝑂 𝑞𝑢𝑒 𝑝𝑜𝑑𝑒 𝑛𝑎̃𝑜 𝑠𝑎𝑏𝑒𝑟 𝑒́ 𝑞𝑢𝑒 𝑎𝑠 𝑛𝑜𝑟𝑚𝑎𝑠 𝑑𝑎 𝑖𝑛𝑑𝑢́𝑠𝑡𝑟𝑖𝑎 𝑑𝑒 𝑐𝑎𝑟𝑡𝑜̃𝑒𝑠 𝑑𝑒 𝑝𝑎𝑔𝑎𝑚𝑒𝑛𝑡𝑜 𝑜 𝑖𝑚𝑝𝑒𝑑𝑒𝑚 𝑑𝑒 𝑎𝑟𝑚𝑎𝑧𝑒𝑛𝑎𝑟 𝑜 𝐶𝑉𝑉 (𝑐𝑎𝑟𝑑 𝑣𝑒𝑟𝑖𝑓𝑖𝑐𝑎𝑡𝑖𝑜𝑛 𝑣𝑎𝑙𝑢𝑒) 𝑗𝑢𝑛𝑡𝑎𝑚𝑒𝑛𝑡𝑒 𝑐𝑜𝑚 𝑜 𝑛𝑢́𝑚𝑒𝑟𝑜 𝑑𝑜 𝑐𝑎𝑟𝑡𝑎̃𝑜 𝑑𝑒 𝑐𝑟𝑒́𝑑𝑖𝑡𝑜 𝑒 𝑜 𝑛𝑜𝑚𝑒 𝑑𝑜 𝑝𝑟𝑜𝑝𝑟𝑖𝑒𝑡𝑎́𝑟𝑖𝑜 𝑑𝑜 𝑐𝑎𝑟𝑡𝑎̃𝑜. 𝐸́ 𝑝𝑜𝑟 𝑖𝑠𝑠𝑜 𝑞𝑢𝑒 𝑒́ 𝑡𝑎̃𝑜 𝑒𝑓𝑖𝑐𝑎𝑧 - 𝑒́ 𝑝𝑟𝑎𝑡𝑖𝑐𝑎𝑚𝑒𝑛𝑡𝑒 𝑖𝑚𝑝𝑜𝑠𝑠𝑖́𝑣𝑒𝑙 𝑝𝑎𝑟𝑎 𝑜𝑠 𝑖𝑛𝑓𝑟𝑎𝑡𝑜𝑟𝑒𝑠 𝑜𝑏𝑡𝑒̂-𝑙𝑜, 𝑎 𝑚𝑒𝑛𝑜𝑠 𝑞𝑢𝑒 𝑡𝑒𝑛𝘩𝑎𝑚 𝑟𝑜𝑢𝑏𝑎𝑑𝑜 𝑢𝑚 𝑐𝑎𝑟𝑡𝑎̃𝑜 𝑑𝑒 𝑐𝑟𝑒́𝑑𝑖𝑡𝑜 𝑓𝑖́𝑠𝑖𝑐𝑜. 𝐴 𝑚𝑎𝑖𝑜𝑟𝑖𝑎 𝑑𝑜𝑠 𝑝𝑟𝑜𝑐𝑒𝑠𝑠𝑎𝑑𝑜𝑟𝑒𝑠 𝑖𝑛𝑐𝑙𝑢𝑖 𝑢𝑚𝑎 𝑓𝑒𝑟𝑟𝑎𝑚𝑒𝑛𝑡𝑎 𝑝𝑎𝑟𝑎 𝑟𝑒𝑞𝑢𝑒𝑟𝑒𝑟 𝑜 𝐶𝑉𝑉 𝑐𝑜𝑚𝑜 𝑝𝑎𝑟𝑡𝑒 𝑑𝑜𝑠 𝑠𝑒𝑢𝑠 𝑚𝑜𝑑𝑒𝑙𝑜𝑠 𝑑𝑒 𝑐𝘩𝑒𝑐𝑘𝑜𝑢𝑡. 𝑈𝑡𝑖𝑙𝑖𝑧𝑒-𝑜. 𝑈𝑡𝑖𝑙𝑖𝑧𝑎𝑟 𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑎𝑡𝑢𝑎𝑙𝑖𝑧𝑎𝑑𝑜.

𝐶𝑒𝑟𝑡𝑖𝑓𝑖𝑞𝑢𝑒-𝑠𝑒 𝑑𝑒 𝑞𝑢𝑒 𝑒𝑠𝑡𝑎́ 𝑎 𝑒𝑥𝑒𝑐𝑢𝑡𝑎𝑟 𝑎 𝑢́𝑙𝑡𝑖𝑚𝑎 𝑣𝑒𝑟𝑠𝑎̃𝑜 𝑑𝑜 𝑠𝑒𝑢 𝑠𝑖𝑠𝑡𝑒𝑚𝑎 𝑜𝑝𝑒𝑟𝑎𝑡𝑖𝑣𝑜 (𝑆𝑂), 𝑝𝑜𝑖𝑠 𝑜𝑠 𝑓𝑜𝑟𝑛𝑒𝑐𝑒𝑑𝑜𝑟𝑒𝑠 𝑑𝑒 𝑆𝑂 𝑎𝑡𝑢𝑎𝑙𝑖𝑧𝑎𝑚 𝑐𝑜𝑛𝑡𝑖𝑛𝑢𝑎𝑚𝑒𝑛𝑡𝑒 𝑜 𝑠𝑒𝑢 𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑐𝑜𝑚 𝑝𝑎𝑡𝑐𝘩𝑒𝑠 𝑑𝑒 𝑠𝑒𝑔𝑢𝑟𝑎𝑛𝑐̧𝑎 𝑝𝑎𝑟𝑎 𝑜 𝑝𝑟𝑜𝑡𝑒𝑔𝑒𝑟 𝑑𝑒 𝑣𝑢𝑙𝑛𝑒𝑟𝑎𝑏𝑖𝑙𝑖𝑑𝑎𝑑𝑒𝑠 𝑟𝑒𝑐𝑒𝑛𝑡𝑒𝑚𝑒𝑛𝑡𝑒 𝑑𝑒𝑠𝑐𝑜𝑏𝑒𝑟𝑡𝑎𝑠, 𝑏𝑒𝑚 𝑐𝑜𝑚𝑜 𝑑𝑜𝑠 𝑚𝑎𝑖𝑠 𝑟𝑒𝑐𝑒𝑛𝑡𝑒𝑠 𝑣𝑖́𝑟𝑢𝑠 𝑒 𝑚𝑎𝑙𝑤𝑎𝑟𝑒. 𝐷𝑎 𝑚𝑒𝑠𝑚𝑎 𝑓𝑜𝑟𝑚𝑎, 𝑖𝑛𝑠𝑡𝑎𝑙𝑒 𝑒 𝑎𝑡𝑢𝑎𝑙𝑖𝑧𝑒 𝑟𝑒𝑔𝑢𝑙𝑎𝑟𝑚𝑒𝑛𝑡𝑒 𝑜 𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑎𝑛𝑡𝑖-𝑚𝑎𝑙𝑤𝑎𝑟𝑒 𝑒 𝑎𝑛𝑡𝑖-𝑠𝑝𝑦𝑤𝑎𝑟𝑒 𝑑𝑒 𝑛𝑖́𝑣𝑒𝑙 𝑒𝑚𝑝𝑟𝑒𝑠𝑎𝑟𝑖𝑎𝑙 (𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑎𝑛𝑡𝑖𝑣𝑖́𝑟𝑢𝑠 𝑔𝑟𝑎𝑡𝑢𝑖𝑡𝑜, 𝑑𝑒 𝑐𝑎𝑟𝑎𝑐𝑡𝑒𝑟𝑖́𝑠𝑡𝑖𝑐𝑎𝑠 𝑙𝑖𝑚𝑖𝑡𝑎𝑑𝑎𝑠 𝑒 𝑑𝑒 𝑓𝑜𝑟𝑐̧𝑎 𝑑𝑒 𝑐𝑜𝑛𝑠𝑢𝑚𝑜 𝑛𝑎̃𝑜 𝑠𝑎̃𝑜 𝑠𝑢𝑓𝑖𝑐𝑖𝑒𝑛𝑡𝑒𝑠) 𝑝𝑎𝑟𝑎 𝑝𝑟𝑒𝑣𝑒𝑛𝑖𝑟 𝑎𝑡𝑎𝑞𝑢𝑒𝑠 𝑞𝑢𝑒 𝑒𝑥𝑝𝑙𝑜𝑟𝑒𝑚 𝑣𝑢𝑙𝑛𝑒𝑟𝑎𝑏𝑖𝑙𝑖𝑑𝑎𝑑𝑒𝑠 𝑑𝑒 𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑑𝑒𝑠𝑎𝑡𝑢𝑎𝑙𝑖𝑧𝑎𝑑𝑎𝑠. 𝑈𝑡𝑖𝑙𝑖𝑧𝑒 𝑜 𝑠𝑜𝑓𝑡𝑤𝑎𝑟𝑒 𝑞𝑢𝑒 𝑡𝑟𝑖𝑎𝑛𝑔𝑢𝑙𝑎 𝑎 𝑙𝑜𝑐𝑎𝑙𝑖𝑧𝑎𝑐̧𝑎̃𝑜 𝑑𝑜 𝑐𝑙𝑖𝑒𝑛𝑡𝑒 𝑐𝑜𝑚 𝑜 𝑒𝑛𝑑𝑒𝑟𝑒𝑐̧𝑜 𝑑𝑒 𝑒𝑛𝑡𝑟𝑒𝑔𝑎 𝑒 𝑓𝑎𝑡𝑢𝑟𝑎𝑐̧𝑎̃𝑜.

𝐸𝑑𝑢𝑞𝑢𝑒 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠 𝑒 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑒𝑚𝑝𝑟𝑒𝑔𝑎𝑑𝑜𝑠.

𝐸𝑑𝑢𝑞𝑢𝑒 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠 𝑠𝑜𝑏𝑟𝑒 𝑐𝑜𝑚𝑜 𝑝𝑜𝑑𝑒𝑚 𝑓𝑎𝑧𝑒𝑟 𝑐𝑜𝑚𝑝𝑟𝑎𝑠 𝑒𝑚 𝑠𝑒𝑔𝑢𝑟𝑎𝑛𝑐̧𝑎 𝑐𝑜𝑛𝑠𝑖𝑔𝑜, 𝑛𝑎̃𝑜 𝑢𝑡𝑖𝑙𝑖𝑧𝑎𝑛𝑑𝑜 𝑎 𝑚𝑒𝑠𝑚𝑎 𝑝𝑎𝑙𝑎𝑣𝑟𝑎-𝑝𝑎𝑠𝑠𝑒 𝑒𝑚 𝑣𝑎́𝑟𝑖𝑜𝑠 𝑠𝑖́𝑡𝑖𝑜𝑠, 𝑒 𝑖𝑛𝑐𝑒𝑛𝑡𝑖𝑣𝑒-𝑜𝑠 𝑎 𝑢𝑡𝑖𝑙𝑖𝑧𝑎𝑟 𝑢𝑚𝑎 𝑝𝑎𝑙𝑎𝑣𝑟𝑎-𝑝𝑎𝑠𝑠𝑒 𝑐𝑜𝑚𝑝𝑙𝑒𝑥𝑎 𝑛𝑜 𝑠𝑒𝑢 𝑠𝑖́𝑡𝑖𝑜. 𝑂𝑠 𝑛𝑜𝑣𝑜𝑠 𝑐𝑜𝑚𝑝𝑟𝑎𝑑𝑜𝑟𝑒𝑠 𝑜𝑛𝑙𝑖𝑛𝑒 𝑝𝑜𝑑𝑒𝑚 𝑠𝑒𝑟 𝑚𝑢𝑖𝑡𝑜 𝑖𝑛𝑒𝑥𝑝𝑒𝑟𝑖𝑒𝑛𝑡𝑒𝑠 𝑒 𝑝𝑟𝑒𝑐𝑖𝑠𝑎𝑚 𝑑𝑒 𝑠𝑒𝑟 𝑙𝑒𝑚𝑏𝑟𝑎𝑑𝑜𝑠 𝑑𝑜𝑠 𝑝𝑟𝑖𝑛𝑐𝑖́𝑝𝑖𝑜𝑠 𝑏𝑎́𝑠𝑖𝑐𝑜𝑠 𝑑𝑒 𝑠𝑒𝑔𝑢𝑟𝑎𝑛𝑐̧𝑎. 𝐼𝑛𝑓𝑜𝑟𝑚𝑒 𝑡𝑎𝑚𝑏𝑒́𝑚 𝑜𝑠 𝑠𝑒𝑢𝑠 𝑒𝑚𝑝𝑟𝑒𝑔𝑎𝑑𝑜𝑠 𝑠𝑜𝑏𝑟𝑒 𝑎 𝑖𝑚𝑝𝑜𝑟𝑡𝑎̂𝑛𝑐𝑖𝑎 𝑑𝑒 𝑝𝑟𝑜𝑡𝑒𝑔𝑒𝑟 𝑜𝑠 𝑑𝑎𝑑𝑜𝑠 𝑑𝑜𝑠 𝑐𝑙𝑖𝑒𝑛𝑡𝑒𝑠, 𝑝𝑜𝑖𝑠 𝑜𝑠 𝑐𝑟𝑖𝑚𝑖𝑛𝑜𝑠𝑜𝑠, 𝑝𝑜𝑟 𝑛𝑜𝑟𝑚𝑎, 𝑝𝑟𝑜𝑐𝑢𝑟𝑎𝑚 𝑓𝑟𝑎𝑞𝑢𝑒𝑧𝑎𝑠 𝑡𝑎𝑛𝑡𝑜 𝑛𝑜𝑠 𝑠𝑖𝑠𝑡𝑒𝑚𝑎𝑠 𝑐𝑜𝑚𝑜 𝑛𝑎𝑠 𝑝𝑒𝑠𝑠𝑜𝑎𝑠. 𝐸𝑠𝑐𝑜𝑙𝘩𝑒𝑟 𝑜 𝑓𝑜𝑟𝑛𝑒𝑐𝑒𝑑𝑜𝑟 𝑑𝑒 𝑝𝑎𝑔𝑎𝑚𝑒𝑛𝑡𝑜 𝑐𝑒𝑟𝑡𝑜.

𝐸𝑛𝑐𝑜𝑛𝑡𝑟𝑒 𝑜 𝑒𝑞𝑢𝑖𝑙𝑖́𝑏𝑟𝑖𝑜 𝑑𝑎 𝑐𝑜𝑛𝑓𝑖𝑎𝑛𝑐̧𝑎 𝑑𝑜 𝑐𝑜𝑛𝑠𝑢𝑚𝑖𝑑𝑜𝑟, 𝑢𝑚𝑎 𝑒𝑥𝑝𝑒𝑟𝑖𝑒̂𝑛𝑐𝑖𝑎 𝑠𝑒𝑚 𝑐𝑜𝑚𝑝𝑙𝑖𝑐𝑎𝑐̧𝑜̃𝑒𝑠 𝑒 𝑝𝑟𝑜𝑡𝑒𝑐̧𝑎̃𝑜 𝑑𝑜 𝑠𝑒𝑢 𝑛𝑒𝑔𝑜́𝑐𝑖𝑜. 𝑃𝑜𝑟 𝑒𝑥𝑒𝑚𝑝𝑙𝑜, 𝑎 𝑎𝑟𝑞𝑢𝑖𝑡𝑒𝑡𝑢𝑟𝑎 𝑑𝑜 𝑃𝑎𝑦𝑃𝑎𝑙 𝑟𝑒𝑞𝑢𝑒𝑟 𝑜 𝑞𝑢𝑒 𝑑𝑒𝑠𝑐𝑟𝑒𝑣𝑒𝑚𝑜𝑠 𝑐𝑜𝑚𝑜 "𝑑𝑒𝑓𝑒𝑠𝑎 𝑣𝑜𝑙𝑢𝑚𝑒́𝑡𝑟𝑖𝑐𝑎": 𝑎𝑠 𝑛𝑜𝑠𝑠𝑎𝑠 𝑔𝑟𝑎𝑛𝑑𝑒𝑠 𝑐𝑎𝑝𝑎𝑐𝑖𝑑𝑎𝑑𝑒𝑠 𝑑𝑒 𝑎𝑛𝑎́𝑙𝑖𝑠𝑒 𝑑𝑒 𝑑𝑎𝑑𝑜𝑠 𝑒 𝑑𝑒 𝑎𝑝𝑟𝑒𝑛𝑑𝑖𝑧𝑎𝑔𝑒𝑚 𝑑𝑒 𝑚𝑎́𝑞𝑢𝑖𝑛𝑎𝑠 𝑒𝑥𝑒𝑐𝑢𝑡𝑎𝑚 𝑣𝑒𝑟𝑖𝑓𝑖𝑐𝑎𝑐̧𝑜̃𝑒𝑠 𝑝𝑎𝑟𝑎 𝑔𝑎𝑟𝑎𝑛𝑡𝑖𝑟 𝑞𝑢𝑒 𝑢𝑚𝑎 𝑡𝑟𝑎𝑛𝑠𝑎𝑐̧𝑎̃𝑜 𝑒́ 𝑠𝑒𝑔𝑢𝑟𝑎 𝑒𝑚 𝑓𝑟𝑎𝑐̧𝑜̃𝑒𝑠 𝑑𝑒 𝑠𝑒𝑔𝑢𝑛𝑑𝑜𝑠. 𝑇𝑢𝑑𝑜 𝑖𝑠𝑡𝑜 𝑎𝑜 𝑚𝑒𝑠𝑚𝑜 𝑡𝑒𝑚𝑝𝑜 𝑞𝑢𝑒 𝑝𝑟𝑜𝑝𝑜𝑟𝑐𝑖𝑜𝑛𝑎 𝑢𝑚𝑎 𝑒𝑥𝑝𝑒𝑟𝑖𝑒̂𝑛𝑐𝑖𝑎 𝑠𝑢𝑎𝑣𝑒 𝑎𝑜 𝑐𝑙𝑖𝑒𝑛𝑡𝑒. 𝐶𝑜𝑙𝑎𝑏𝑜𝑟𝑒.

𝐴 𝑝𝑟𝑜𝑡𝑒𝑐̧𝑎̃𝑜 𝑐𝑜𝑛𝑡𝑟𝑎 𝑓𝑟𝑎𝑢𝑑𝑒𝑠 𝑑𝑒𝑣𝑒 𝑠𝑒𝑟 𝑓𝑒𝑖𝑡𝑎 𝑒𝑚 𝑝𝑎𝑟𝑐𝑒𝑟𝑖𝑎 𝑐𝑜𝑚 𝑒𝑠𝑝𝑒𝑐𝑖𝑎𝑙𝑖𝑠𝑡𝑎𝑠 𝑖𝑛𝑡𝑒𝑟𝑛𝑜𝑠 𝑒 𝑝𝑎𝑟𝑐𝑒𝑖𝑟𝑜𝑠 𝑖𝑛𝑑𝑢𝑠𝑡𝑟𝑖𝑎𝑖𝑠. 𝐴 𝑐𝑜𝑙𝑎𝑏𝑜𝑟𝑎𝑐̧𝑎̃𝑜 𝑝𝑜𝑑𝑒 𝑚𝑒𝑙𝘩𝑜𝑟𝑎𝑟 𝑜 𝑡𝑒𝑚𝑝𝑜 𝑑𝑒 𝑑𝑒𝑡𝑒𝑐̧𝑎̃𝑜, 𝑟𝑒𝑑𝑢𝑧𝑖𝑛𝑑𝑜 𝑒𝑚 𝑢́𝑙𝑡𝑖𝑚𝑎 𝑎𝑛𝑎́𝑙𝑖𝑠𝑒 𝑜𝑠 𝑐𝑢𝑠𝑡𝑜𝑠 𝑓𝑖𝑛𝑎𝑛𝑐𝑒𝑖𝑟𝑜𝑠 𝑒 𝑑𝑒 𝑚𝑎𝑟𝑐𝑎. 𝑆𝑒 𝑓𝑜𝑟 𝑎𝑓𝑒𝑡𝑎𝑑𝑜 𝑝𝑜𝑟 𝑓𝑟𝑎𝑢𝑑𝑒, 𝑛𝑎̃𝑜 𝘩𝑒𝑠𝑖𝑡𝑒 𝑒𝑚 𝑑𝑒𝑛𝑢𝑛𝑐𝑖𝑎́-𝑙𝑎 𝑎̀𝑠 𝑎𝑢𝑡𝑜𝑟𝑖𝑑𝑎𝑑𝑒𝑠.

NOTAS 1 O grande pivô no eCommerce global - Este relatório inclui uma análise aprofundada de 13 000 consumidores para identificar as maiores oportunidades para os comerciantes que pretendem expandir-se além-fronteiras. O estudo inclui Austrália, Brasil, China, Hong Kong, França, Alemanha, Índia, Japão, México, Rússia, Singapura, Reino Unido e EUA. 2 Insider Intelligence / eMarketer, Retail Ecommerce Sales Worldwide, 2019-2024, 12 de dezembro de 2020

* Vice-presidente sênior, chefe de risco global de fraude, identidade digital e plataforma como serviço no PayPal

IN "DINHEIRO VIVO" - 27/11/21

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