“BANKING FRAUD AND DIGITAL SCAMS AS OBSTACLES TO BRICS DEVELOPMENT: CIVIL LAW ANALYSIS OF LEGAL SECURITY IN CROSS-BORDER TRANSACTIONS: ANÁLISE CIVILISTA DA SEGURANÇA JURÍDICA NAS TRANSAÇÕES TRANSFRONTEIRIÇAS” (2025) ESMAT Magazine, 17(32). doi:10.29327/270098.18.33-11.