.

A fraude já não precisa

de hackers. Precisa de nós

Deepfakes, engenharia social

e a nova economia do engano

“A fraude explora o cimento invisível do país: confiança. Quando a confiança é o alvo, todos somos superfície de ataque — cidadãos, empresas e Estado.”

𝖠 𝖿𝗋𝖺𝗎𝖽𝖾 𝗆𝗎𝖽𝗈𝗎. 𝖤 𝗇𝗈́𝗌 𝖼𝗈𝗇𝗍𝗂𝗇𝗎𝖺𝗆𝗈𝗌 𝖺 𝖼𝗈𝗆𝖻𝖺𝗍𝖾̂-𝗅𝖺 𝖼𝗈𝗆 𝗈 𝗆𝖺𝗇𝗎𝖺𝗅 𝖺𝗇𝗍𝗂𝗀𝗈.

𝖣𝗎𝗋𝖺𝗇𝗍𝖾 𝖺𝗇𝗈𝗌, 𝖺 𝖻𝗎𝗋𝗅𝖺 𝗍𝗂𝗇𝗁𝖺 ‘𝖼𝖺𝗋𝖺’: 𝗎𝗆 𝖾-𝗆𝖺𝗂𝗅 𝗍𝗈𝗌𝖼𝗈, 𝗎𝗆 𝗍𝖾𝗅𝖾𝖿𝗈𝗇𝖾𝗆𝖺 𝖾𝗌𝗍𝗋𝖺𝗇𝗁𝗈, 𝗎𝗆 𝖾𝗌𝗊𝗎𝖾𝗆𝖺 𝗋𝖾𝗉𝖾𝗍𝗂𝖽𝗈. 𝖧𝗈𝗃𝖾, 𝖺 𝖿𝗋𝖺𝗎𝖽𝖾 𝗍𝖾𝗆 𝗉𝗋𝗈𝖽𝗎𝖼̧𝖺̃𝗈, 𝗆𝖺𝗋𝗄𝖾𝗍𝗂𝗇𝗀 𝖾 𝖨𝗇𝗍𝖾𝗅𝗂𝗀𝖾̂𝗇𝖼𝗂𝖺 𝖠𝗋𝗍𝗂𝖿𝗂𝖼𝗂𝖺𝗅. 𝖮 𝗀𝗈𝗅𝗉𝖾 𝗃𝖺́ 𝗇𝖺̃𝗈 𝖺𝗉𝖺𝗋𝖾𝖼𝖾 𝖺 𝗉𝖾𝖽𝗂𝗋 𝖽𝖾𝗌𝖼𝗎𝗅𝗉𝖺 — 𝖺𝗉𝖺𝗋𝖾𝖼𝖾 𝖺 𝗉𝖺𝗋𝖾𝖼𝖾𝗋 𝗅𝖾𝗀ı́𝗍𝗂𝗆𝗈.

𝖡𝖺𝗌𝗍𝖺 𝗈𝗅𝗁𝖺𝗋 𝗉𝖺𝗋𝖺 𝗈 𝗊𝗎𝖾 𝖼𝗂𝗋𝖼𝗎𝗅𝖺 𝗇𝖺𝗌 𝗉𝗅𝖺𝗍𝖺𝖿𝗈𝗋𝗆𝖺𝗌: 𝖺𝗇𝗎́𝗇𝖼𝗂𝗈𝗌 𝖾 𝗉𝖺́𝗀𝗂𝗇𝖺𝗌 𝖿𝖺𝗅𝗌𝖺𝗌 𝖺 𝗎𝗌𝖺𝗋 𝖽𝖾𝖾𝗉𝖿𝖺𝗄𝖾𝗌 𝖽𝖾 𝗈́𝗋𝗀𝖺̃𝗈𝗌 𝖽𝖾 𝖼𝗈𝗆𝗎𝗇𝗂𝖼𝖺𝖼̧𝖺̃𝗈 𝗌𝗈𝖼𝗂𝖺𝗅 𝖾 𝖽𝖾 𝖿𝗂𝗀𝗎𝗋𝖺𝗌 𝗉𝗎́𝖻𝗅𝗂𝖼𝖺𝗌 𝗉𝖺𝗋𝖺 𝗏𝖾𝗇𝖽𝖾𝗋 ‘𝗂𝗇𝗏𝖾𝗌𝗍𝗂𝗆𝖾𝗇𝗍𝗈𝗌’ 𝖼𝗈𝗆 𝗉𝗋𝗈𝗆𝖾𝗌𝗌𝖺𝗌 𝖽𝖾𝗅𝗂𝗋𝖺𝗇𝗍𝖾𝗌 𝖾 𝖺 𝗉𝖺𝗅𝖺𝗏𝗋𝖺 ‘𝖨𝖠’ 𝖼𝗈𝗆𝗈 𝗌𝖾𝗅𝗈 𝖽𝖾 𝖼𝗋𝖾𝖽𝗂𝖻𝗂𝗅𝗂𝖽𝖺𝖽𝖾. 𝖤́ 𝗈 𝖾𝗇𝗀𝖺𝗇𝗈 𝗏𝖾𝗌𝗍𝗂𝖽𝗈 𝖽𝖾 𝗇𝗈𝗍ı́𝖼𝗂𝖺.

𝖮 𝗉𝗋𝗈𝖻𝗅𝖾𝗆𝖺, 𝗉𝗈𝗋𝖾́𝗆, 𝗇𝖺̃𝗈 𝖾́ 𝗌𝗈́ 𝗍𝖾𝖼𝗇𝗈𝗅𝗈́𝗀𝗂𝖼𝗈. 𝖤́ 𝖼𝗎𝗅𝗍𝗎𝗋𝖺𝗅. 𝖠 𝖿𝗋𝖺𝗎𝖽𝖾 𝖾𝗑𝗉𝗅𝗈𝗋𝖺 𝗈 𝖼𝗂𝗆𝖾𝗇𝗍𝗈 𝗂𝗇𝗏𝗂𝗌ı́𝗏𝖾𝗅 𝖽𝗈 𝗉𝖺ı́𝗌: 𝖼𝗈𝗇𝖿𝗂𝖺𝗇𝖼̧𝖺. 𝖢𝗈𝗇𝖿𝗂𝖺𝗇𝖼̧𝖺 𝗇𝖺 𝗏𝗈𝗓, 𝗇𝖺 𝗂𝗆𝖺𝗀𝖾𝗆, 𝗇𝗈 𝗅𝗈𝗀𝗈́𝗍𝗂𝗉𝗈, 𝗇𝗈 ‘𝗌𝗂𝗍𝖾’, 𝗇𝗈 ‘𝗉𝖺𝗋𝖾𝖼𝖾 𝗈𝖿𝗂𝖼𝗂𝖺𝗅’. 𝖰𝗎𝖺𝗇𝖽𝗈 𝖺 𝖼𝗈𝗇𝖿𝗂𝖺𝗇𝖼̧𝖺 𝖾́ 𝗈 𝖺𝗅𝗏𝗈, 𝗍𝗈𝖽𝗈𝗌 𝗌𝗈𝗆𝗈𝗌 𝗌𝗎𝗉𝖾𝗋𝖿ı́𝖼𝗂𝖾 𝖽𝖾 𝖺𝗍𝖺𝗊𝗎𝖾 — 𝖼𝗂𝖽𝖺𝖽𝖺̃𝗈𝗌, 𝖾𝗆𝗉𝗋𝖾𝗌𝖺𝗌 𝖾 𝖤𝗌𝗍𝖺𝖽𝗈.

𝖢𝗈𝗆𝗈 𝗆𝖾𝗆𝖻𝗋𝗈 𝖽𝗈 𝖮𝖻𝗌𝖾𝗋𝗏𝖺𝗍𝗈́𝗋𝗂𝗈 𝖽𝖾 𝖤𝖼𝗈𝗇𝗈𝗆𝗂𝖺 𝖾 𝖦𝖾𝗌𝗍𝖺̃𝗈 𝖽𝖾 𝖥𝗋𝖺𝗎𝖽𝖾 (𝖮𝖡𝖤𝖦𝖤𝖥), 𝗇𝖺̃𝗈 𝗉𝗋𝖾𝖼𝗂𝗌𝗈 𝖽𝖾 𝗂𝗇𝗏𝖾𝗇𝗍𝖺𝗋 𝗆𝗂𝗌𝗌𝖺̃𝗈: 𝖾𝗅𝖺 𝖾𝗌𝗍𝖺́ 𝖾𝗌𝖼𝗋𝗂𝗍𝖺 𝖽𝖾𝗌𝖽𝖾 𝖺 𝗈𝗋𝗂𝗀𝖾𝗆. 𝖠𝗃𝗎𝖽𝖺𝗋 𝗂𝗇𝗌𝗍𝗂𝗍𝗎𝗂𝖼̧𝗈̃𝖾𝗌 𝗉𝗎́𝖻𝗅𝗂𝖼𝖺𝗌 𝖾 𝗉𝗋𝗂𝗏𝖺𝖽𝖺𝗌 𝖺 𝗋𝖾𝖽𝗎𝗓𝗂𝗋 𝗋𝗂𝗌𝖼𝗈 𝖽𝖾 𝖿𝗋𝖺𝗎𝖽𝖾, 𝖿𝗈𝗋𝗆𝖺𝗋 𝗊𝗎𝖺𝖽𝗋𝗈𝗌 𝗍𝖾́𝖼𝗇𝗂𝖼𝖺 𝖾 𝖾𝗍𝗂𝖼𝖺𝗆𝖾𝗇𝗍𝖾 𝗉𝗋𝖾𝗉𝖺𝗋𝖺𝖽𝗈𝗌 𝖾 𝖼𝗈𝗇𝗍𝗋𝗂𝖻𝗎𝗂𝗋 𝗉𝖺𝗋𝖺 𝗎𝗆𝖺 𝗈𝗉𝗂𝗇𝗂𝖺̃𝗈 𝗉𝗎́𝖻𝗅𝗂𝖼𝖺 𝗆𝖺𝗂𝗌 𝖾𝗌𝖼𝗅𝖺𝗋𝖾𝖼𝗂𝖽𝖺 𝗌𝗈𝖻𝗋𝖾 𝖿𝗋𝖺𝗎𝖽𝖾 𝖾 𝖾𝖼𝗈𝗇𝗈𝗆𝗂𝖺 𝗇𝖺̃𝗈 𝗋𝖾𝗀𝗂𝗌𝗍𝖺𝖽𝖺, 𝖾𝗆 𝖯𝗈𝗋𝗍𝗎𝗀𝖺𝗅 𝖾 𝗇𝖺 𝖤𝗎𝗋𝗈𝗉𝖺. 𝖮 𝖮𝖡𝖤𝖦𝖤𝖥 𝖼𝗈𝗇𝗌𝗍𝗂𝗍𝗎𝗂𝗎-𝗌𝖾 𝖼𝗈𝗆𝗈 𝖺𝗌𝗌𝗈𝖼𝗂𝖺𝖼̧𝖺̃𝗈 𝗉𝗋𝗂𝗏𝖺𝖽𝖺 𝗌𝖾𝗆 𝖿𝗂𝗇𝗌 𝗅𝗎𝖼𝗋𝖺𝗍𝗂𝗏𝗈𝗌, 𝗂𝗇𝗍𝖾𝗋𝖽𝗂𝗌𝖼𝗂𝗉𝗅𝗂𝗇𝖺𝗋 𝖾 𝖺𝖻𝖾𝗋𝗍𝖺 𝖺̀ 𝗌𝗈𝖼𝗂𝖾𝖽𝖺𝖽𝖾.

𝖠 𝖤𝗎𝗋𝗈𝗉𝖺 𝖺𝗃𝗎𝖽𝖺 𝖺 𝗉𝖾𝗋𝖼𝖾𝖻𝖾𝗋 𝖺 𝖾𝗌𝖼𝖺𝗅𝖺. 𝖮 𝖤𝖭𝖨𝖲𝖠 𝖳𝗁𝗋𝖾𝖺𝗍 𝖫𝖺𝗇𝖽𝗌𝖼𝖺𝗉𝖾 𝟤𝟢𝟤𝟧 𝖺𝗇𝖺𝗅𝗂𝗌𝖺 𝟦.𝟪𝟩𝟧 𝗂𝗇𝖼𝗂𝖽𝖾𝗇𝗍𝖾𝗌 (𝗃𝗎𝗅𝗁𝗈 𝖽𝖾 𝟤𝟢𝟤𝟦 𝖺 𝗃𝗎𝗇𝗁𝗈 𝖽𝖾 𝟤𝟢𝟤𝟧) 𝖾 𝖽𝖾𝗌𝖼𝗋𝖾𝗏𝖾 𝗎𝗆 𝖾𝖼𝗈𝗌𝗌𝗂𝗌𝗍𝖾𝗆𝖺 𝖾𝗆 𝗊𝗎𝖾 𝖺𝗍𝖺𝗊𝗎𝖾𝗌 𝗌𝖾 𝗉𝗋𝗈𝖿𝗂𝗌𝗌𝗂𝗈𝗇𝖺𝗅𝗂𝗓𝖺𝗆 𝖾 𝖺 𝖾𝗇𝗀𝖾𝗇𝗁𝖺𝗋𝗂𝖺 𝗌𝗈𝖼𝗂𝖺𝗅 𝖼𝗈𝗇𝗍𝗂𝗇𝗎𝖺 𝖺 𝗌𝖾𝗋 𝗉𝗈𝗋𝗍𝖺 𝖽𝖾 𝖾𝗇𝗍𝗋𝖺𝖽𝖺. 𝖤 𝗊𝗎𝖺𝗇𝖽𝗈 𝗈 𝖼𝗋𝗂𝗆𝖾 𝗌𝖾 𝗉𝗋𝗈𝖿𝗂𝗌𝗌𝗂𝗈𝗇𝖺𝗅𝗂𝗓𝖺, 𝖽𝖾𝗂𝗑𝖺 𝖽𝖾 𝗌𝖾𝗋 𝖾𝗉𝗂𝗌𝗈́𝖽𝗂𝖼𝗈: 𝗍𝗈𝗋𝗇𝖺-𝗌𝖾 𝖾𝗌𝗍𝗋𝗎𝗍𝗎𝗋𝖺𝗅.

𝖧𝖺́ 𝖺𝗂𝗇𝖽𝖺 𝗎𝗆 𝗉𝗈𝗇𝗍𝗈 𝗈𝗇𝖽𝖾 𝗈 𝖽𝖾𝖻𝖺𝗍𝖾 𝗍𝖾𝗆 𝖽𝖾 𝗌𝖾𝗋 𝖺𝖽𝗎𝗅𝗍𝗈: 𝖿𝗎𝗇𝖽𝗈𝗌 𝖾 𝖼𝗈𝗇𝗍𝗋𝖺𝗍𝖺𝖼̧𝖺̃𝗈 𝗉𝗎́𝖻𝗅𝗂𝖼𝖺. 𝖠 𝖿𝗋𝖺𝗎𝖽𝖾 𝗇𝖺̃𝗈 𝗏𝗂𝗏𝖾 𝖺𝗉𝖾𝗇𝖺𝗌 𝖽𝗈 ‘𝗉𝖾𝗊𝗎𝖾𝗇𝗈 𝖾𝗌𝗊𝗎𝖾𝗆𝖺’. 𝖵𝗂𝗏𝖾 𝖽𝗈 𝖼𝗈𝗇𝖿𝗅𝗂𝗍𝗈 𝖽𝖾 𝗂𝗇𝗍𝖾𝗋𝖾𝗌𝗌𝖾𝗌, 𝖽𝗈 𝖼𝗎𝗌𝗍𝗈 𝗂𝗇𝖿𝗅𝖺𝖼𝗂𝗈𝗇𝖺𝖽𝗈, 𝖽𝖺 𝖿𝖺𝗍𝗎𝗋𝖺 ‘𝖼𝗋𝗂𝖺𝗍𝗂𝗏𝖺’, 𝖽𝗈 𝖽𝗈𝖼𝗎𝗆𝖾𝗇𝗍𝗈 𝖿𝖺𝖻𝗋𝗂𝖼𝖺𝖽𝗈. 𝖮 𝖱𝖾𝗅𝖺𝗍𝗈́𝗋𝗂𝗈 𝖮𝖫𝖠𝖥 𝟤𝟢𝟤𝟦 𝖿𝖺𝗅𝖺 𝗉𝗈𝗋 𝗌𝗂: 𝗋𝖾𝖼𝗈𝗆𝖾𝗇𝖽𝗈𝗎 𝖺 𝗋𝖾𝖼𝗎𝗉𝖾𝗋𝖺𝖼̧𝖺̃𝗈 𝖽𝖾 𝟪𝟩𝟣,𝟧 𝗆𝗂𝗅𝗁𝗈̃𝖾𝗌 𝖽𝖾 𝖾𝗎𝗋𝗈𝗌 𝗉𝖺𝗋𝖺 𝗈 𝗈𝗋𝖼̧𝖺𝗆𝖾𝗇𝗍𝗈 𝖽𝖺 𝖴𝖤 𝖾 𝖺 𝗉𝗋𝖾𝗏𝖾𝗇𝖼̧𝖺̃𝗈 𝖽𝖾 𝟦𝟥,𝟧 𝗆𝗂𝗅𝗁𝗈̃𝖾𝗌 𝖽𝖾 𝖾𝗎𝗋𝗈𝗌 𝖽𝖾 𝖽𝖾𝗌𝗉𝖾𝗌𝖺 𝗂𝗇𝖽𝖾𝗏𝗂𝖽𝖺.

𝖮 𝗊𝗎𝖾 𝖿𝖺𝗓𝖾𝗋? 𝖯𝗋𝗂𝗆𝖾𝗂𝗋𝗈: 𝗉𝖺𝗋𝖺𝗋 𝖽𝖾 𝖺𝖼𝗁𝖺𝗋 𝗊𝗎𝖾 𝖼𝗈́𝖽𝗂𝗀𝗈𝗌 𝗋𝖾𝗌𝗈𝗅𝗏𝖾𝗆 𝖼𝗎𝗅𝗍𝗎𝗋𝖺𝗌. 𝖮 𝗉𝖺𝗉𝖾𝗅 𝖺𝖼𝖾𝗂𝗍𝖺 𝗍𝗎𝖽𝗈 — 𝖺 𝖿𝗋𝖺𝗎𝖽𝖾 𝗍𝖺𝗆𝖻𝖾́𝗆. 𝖲𝖾𝗀𝗎𝗇𝖽𝗈: 𝗍𝗋𝖺𝗍𝖺𝗋 𝖿𝗋𝖺𝗎𝖽𝖾 𝖼𝗈𝗆𝗈 𝗋𝗂𝗌𝖼𝗈 𝖾𝗌𝗍𝗋𝖺𝗍𝖾́𝗀𝗂𝖼𝗈, 𝖼𝗈𝗆 𝖽𝗈𝗇𝗈, 𝗆𝖾́𝗍𝗋𝗂𝖼𝖺𝗌 𝖾 𝖼𝗈𝗇𝗍𝗋𝗈𝗅𝗈𝗌 𝗊𝗎𝖾 𝖺𝗉𝖺𝗇𝗁𝖾𝗆 𝗉𝖺𝖽𝗋𝗈̃𝖾𝗌 (𝖾𝗑𝖼𝖾𝖼̧𝗈̃𝖾𝗌, 𝖿𝗋𝖺𝖼𝗂𝗈𝗇𝖺𝗆𝖾𝗇𝗍𝗈𝗌, 𝗎𝗋𝗀𝖾̂𝗇𝖼𝗂𝖺 𝖿𝖺𝖻𝗋𝗂𝖼𝖺𝖽𝖺𝗌, 𝗆𝗎𝖽𝖺𝗇𝖼̧𝖺𝗌 𝖽𝖾 𝖨𝖡𝖠𝖭). 𝖳𝖾𝗋𝖼𝖾𝗂𝗋𝗈: 𝗍𝗋𝖾𝗂𝗇𝖺𝗋 𝗉𝖾𝗌𝗌𝗈𝖺𝗌 𝗉𝖺𝗋𝖺 𝗈 𝗆𝗎𝗇𝖽𝗈 𝗋𝖾𝖺𝗅, 𝗈𝗇𝖽𝖾 𝗎𝗆𝖺 𝗏𝗈𝗓 𝗉𝗈𝖽𝖾 𝗌𝖾𝗋 𝖼𝗅𝗈𝗇𝖺𝖽𝖺 𝖾 𝗎𝗆 𝗏ı́𝖽𝖾𝗈 𝗉𝗈𝖽𝖾 𝗆𝖾𝗇𝗍𝗂𝗋.

𝖠 𝖿𝗋𝖺𝗎𝖽𝖾 𝗇𝖺̃𝗈 𝗏𝖺𝗂 𝖽𝖾𝗌𝖺𝗉𝖺𝗋𝖾𝖼𝖾𝗋. 𝖬𝖺𝗌 𝗉𝗈𝖽𝖾 𝖽𝖾𝗂𝗑𝖺𝗋 𝖽𝖾 𝗌𝖾𝗋 𝖿𝖺́𝖼𝗂𝗅. 𝖤 𝖾𝗌𝗌𝖺 𝖾́ 𝖺 𝖽𝗂𝖿𝖾𝗋𝖾𝗇𝖼̧𝖺 𝖾𝗇𝗍𝗋𝖾 𝗎𝗆 𝗉𝖺ı́𝗌 𝗂𝗇𝗀𝖾́𝗇𝗎𝗈 𝖾 𝗎𝗆 𝗉𝖺ı́𝗌 𝗋𝖾𝗌𝗂𝗅𝗂𝖾𝗇𝗍𝖾.

* Economista membro do Observatório de Economia e Gestão de Fraude

IN "NASCER DO SOL" - 27/02/26 .