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Information supplied by the Brazilian Banking Federation (FEBRABAN) indicates that banks and
financial institutions invest approximately 1.2 billion reals annually to guarantee the security of
banking transactions, the protection of electronically recorded information, and the availability
of banking services to people on low incomes.
The widening of income distribution through the Federal Government’s social programmes
has contributed to this growth of banking. Progress in this area is inevitable, bearing in mind
that various routine transactions can be carried out by citizens in any bank or similar financial
institution in the country. The RIC project is becoming a fundamentally important mechanism
for this policy of social inclusion and security in relation to the opening of accounts, the
granting of credit and the reduction of fraud and losses.
In 2008 the banking sector invested 6.4 billion reals in information technology, and the number
of internet banking accounts has grown almost 300% in the last decade, reaching a figure of 23.5
million accounts in 2008.
The number of banking institutions grew by 3.1%, from 18,600 to 19,100, between 2007 and 2008.
Total bank spending and investment in information technology increased from 14.9 billion reals
in 2007 to 16.2 billion in 2008. These figures, released by FEBRABAN, reveal the scale of the
challenge facing the banks.
The fact is that the process of increased access to banking services means that the rate of
online transactions will grow much faster than the rate of issue of digital certifications. Industry
experts estimate that if everyone had digital certification, the number of internet frauds would
fall by up to 80%.
In Brazil, the National Information Technology Institute has been the main driver of the
implementation of digital certification, offering citizens increasing numbers of applications and
services in the virtual world. The best examples of these are the use of electronic invoicing of
imports, the introduction of virtual judicial processes and the Federal Treasury’s e-register of
individuals.
The combination of this and the RIC project will allow digital certification to become more
widespread, and the new identity document will also be an instrument for supporting civic
rights and digital inclusion in Brazil. In other words, every Brazilian citizen will have access to the
technological means necessary to be recognised in communication networks and the internet,
and will be able to use electronic government services.
Digital certification has become the safe way of solving one of the internet’s oldest dilemmas:
checking the identity of someone buying goods online with a credit card or via a bank
account. Certainty of identity is not guaranteed in current transactions. The combination of
biometric fingerprinting and digital certification will result in a more secure process of personal
identification that will guarantee the improvement of online banking services, the security of
communication networks and the reduction of fraud and internet crime.
The commercial sector will also benefit. Commercial establishments will be able to verify
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