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Our personal informations and the activities are currently recorded on the internet because there is no longer any marked separation between the digital world and the physical, which has generated new risks that make us vulnerable in the cyberspace. Although there are advantages such as the fact that it is no longer necessary to leave the house to buy products or pay services, transactions carried out through a technological device expose us to threats.
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The transactions of e-commerce o m-commerce (e-commerce from a mobile phone and from a browser or application), according to information provided by MasterCard, are more exposed to the risk of fraud, refunds and false refusals; that is, it is an ecosystem that is harder to control than the offline world.
Despite the threats, online commerce continues to grow. In fact, the m-commerce stands out with a 50% increase. However, according to Mastercard data, in Latin America and the Caribbean (LAC), 40% of online transactions are rejected, the highest rate in the world. Similarly, it points out that 90% of card frauds in Latin America and the Caribbean correspond to "Card not present and that 78% of applications registered at the commercial bank in the first three months of the year related to alleged fraud. .
Because of the above, users are wary of the security of their online information (personal and financial). The Global Cybersecurity Study: Captulo México, presented by Mastercard, indicates that digital financial security is one of the major concerns of Mexican Internet users, with 92% of them feeling uncomfortable with the Internet. access or theft of their information. In turn, 73% of respondents believe that they can not do anything to prevent the theft or compromise of their information in case of data breach or hacking, and more than half (55%) feel powerless to do so. confidentiality. online security.
How to build trust? Mexico is located in a low confidence level, which means that few feel safe with the experience of using the digital world.
"When we talk about payments, if there is no security, there is no trust and everything is exposed to fraud and misuse. personal and financial information, who will want to use a system that exposes and extracts funds? " security is fundamental, it is necessary to operate and install in an interview for Tech Bit Patricio Hernndez, senior vice president of security solutions for Mastercard Latin America and the Caribbean.
The specialist pointed out that the complexity involved major security challenges, especially in e-commerce. "What you need to do is increase security and improve the user experience, which is a challenge because, in general, for increased security, the user experience is worse, but now they do not accept that, they want to pay when they want, from the place they want and from the device that they have, has -he says.
Challenges to enhance security
Lorenza Martnez, a consultant and economist, argues that one of Mexico's main challenges is the low penetration of electronic means of payment. "There has been significant growth, especially in the last 10 years, but it starts from a very small base, and attacks are becoming more sophisticated and more focused on
Endpoints (any device outside of the company's firewall): It can work from a laptop, tablet, or cell phone.
For its part, Patricio Hernndez I commented that another of the key challenges of the payments industry is to guarantee the identity of the person who is making the transaction; that is, if the identification information that he pays is actually his data, and even the identity of someone else has been usurped . For this, there is a new digital authentication protocol that is an industry standard with a lot more information and that can apply artificial intelligence to help check the device. identity and reduce fraud attempts in legitimate transactions, he said.
"This wealth of information is not just about the characteristics of the hardware or softwarebut with IP adress from which the user connects and even with the trade data; For example, what are the features of your shopping cart to know the security of the store, added the specialist Mastercard.
Payment platforms work for security. Representatives of recognized online commerce sites such as MercadoLibre and Linio, as well as the solution Samsung Pay, agree that users must be assured and safe to use their platforms.
Omar Galicia, commercial director of MercadoLibre in Mexico, illustrated the fact that in 2014, they decided to close the seller and buyer option, directly accepting that the total transactions be made by MercadoPago and granting purchase guarantees based on: in security, incentives and benefits for those who carry out digital transactions. They also offer protection so that users feel free to buy: if they do not know the price, MercadoPago covers the amount.
For its part, Francisco Martnez, senior director of value-added services at Samsung, explained that, thanks to the Samsung Pay solution, they were looking to allow and add value by eliminating the use of the Internet. money and providing security to the user. Although it is also agreed that an is always the number of electronic payments.
Your system is based on technology Near Field Communication (NFC) and secure magnetic transmission, thanks to which the devices emit a magnetic signal emulating the action of dragging a physical card into a point-of-sale terminal. The confidential information of the user remains secure, because transactions must be verified using biometric systems (fingerprint or iris) and a security PIN.
Spokespersons agreed that mobile payments should not frustrate users, but that they could do it without inconvenience. They added that it was also important to let them know that they were the main actors for the fraud to stop.
Finally, Patricio Hernández said: "Coordination and information sharing between the three players (bank, commerce and customer) is essential, sometimes users give up without trying to use the service, which reduces the development of e-commerce. although he has been advanced, he has not reached the pace of his true potential, he concluded.
Protect yourself with these electronic transaction solutions
With 55 per cent of Mexicans feeling helpless about the security of their personal and financial information online, e-commerce companies have developed systems to protect transactions.
MercadoPago
Protects information on the path of access from the computer, smartphone or tablet to your server. Encrypt data securely to meet the most stringent online security standards. Plus, it protects the user's money until he has his purchase. When the payment is made, the seller can see the money on his account, but he must wait to be able to use it until it is valued.
Samsung Pay
All user information is protected by their fingerprint, a security token and Samsung Knox. The system does not store or share purchase data. Transactions are validated with biometric data to ensure that only the user can confirm the payment. To use the service, you must access the application from a branded smartphone, add the card data and start paying.
PayPal
Your buyer protection system provides coverage for all online purchases that meet the following requirements: the accounts must not have recorded incidents and the dispute must be submitted within 180 days of the date on which the purchase or payment. With this guarantee, the company makes the total refund.
Oxxo Pay
It is designed to provide a good experience for customers who carry out transactions in their stores. Its Conekta platform provides the infrastructure, informs the real-time trade of payments made and automatically transfers, according to the payment schedule, the corresponding amount. In addition, it implements robust anti-fraud tools.
Linio
It has a warranty policy that allows the customer to return the product up to 14 days after receiving it in case it would not be satisfied or damaged, in which case the company would refund 100% of l & # 39; purchase. It also protects information in accordance with the Federal Law on the Protection of Personal Data in the possession of individuals.
Amazon Money
It allows you to deposit money on the Amazon balance by using a bar code or mobile phone number in the participating establishments. It is possible to pay between 100,000 and 5,000 pesos to buy products on your website. In this way, the user no longer needs to share the information of his bank cards to carry out transactions on the e-commerce portal.
Intelligent prevention of the hand of drones
Alina Adn
The use of drones about two years ago in the construction sector market in Mexico
These devices make it possible to obtain data in difficult points of access
In addition to entertainment uses, such as photo capture and video recording, UAVs are used for more industry specific activities.
An example of the above is Zurich, an insurance company that launched a new campaign in Mexico entitled "Smart Prevention to raise awareness of the most common risks and how, with small actions, it is possible to stay safe.
As part of this campaign, they use drones to prevent risks. Nicholas Deakin, director of risk management in Zurich Mexico, said: "We started thinking about the use of drones about five years ago and it was a very interesting technology for us because it allowed us to new perspective to our policyholders.
The company uses drones to obtain information at difficult access points and, thus, not to put its engineers at risk.
In addition, the insurer, in collaboration with subcontractors, customises UAVs using topographic, tomographic and high-quality cameras, which notably entails a change in weight, flight type and battery.
Deakin explains that the use of these devices is for the construction, infrastructure, roads, hydrocarbons, hydraulics, buildings and industrial facilities sectors. However, mention that they are looking for new options to extend the service to other areas of business.
On the impact of the project in the country, he said: "It has been very well received, both by the agents, who can offer the value-added service to their policyholders, than by the construction companies, who can see in a digital report the flight already carried out, published with every point of risk and interest indicated by the experts.
Also, ensure that the project has certified pilots and equipment registered with the Communications and Transportation Secretariat, although, when they have started to operate, there is no existing regulation in the country. They were therefore based on state legislation. United, "the strictest in the world, said.
Finally, Deakin explained that, to provide the service, the company has equipment
integrated by a flight expert provided by the contractor and a construction expert from Zurich.
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