Fraudes bancárias

enfrentamento correto para um desenvolvimento econômico sadio

Abstract

This article analyzes the rise in bank fraud in Brazil and proposes legal and technological strategies to combat it. It highlights the impact of digitalization and the PIX (Investor’s ID) on the growth of financial scams, which cause billions in annual losses. It advocates for cooperation between financial institutions, regulatory agencies, and the judiciary, as well as continued investment in security and consumer education. Summary 479 of the Superior Court of Justice (STJ) and recent decisions reinforce the strict liability of banks, but the text emphasizes the importance of limiting this liability when the user is at fault. The study concludes that effective fraud prevention must balance prevention, accountability, and economic efficiency, ensuring sustainable and secure financial development.