|
市場調查報告書
網路銀行的安全性策略
Security in Online Banking (Strategic Focus)
| 出版商 |
Datamonitor |
| 出版日期 |
2009年07月 |
商品編碼 |
96209 |
| 內容資訊 |
英文 39 pages |
| 價格 |
|
|
網路銀行的安全性策略 是由出版商Datamonitor在2009年07月所出版的。
這份英文市場調查報告書包含39 pages 價格從美金3395起跳。
網路銀行除了更進一步瞭解顧客之外，也提高商品的水準，不斷地在進步當中。
本報告書內容包括：網路銀行的安全性課題調查分析。內容綱要摘記如下：
概要
主要訊息
第1章 市場機會
- 網路銀行因顧客在網路進行各種處理而愈來愈發展
- 銀行今年增加對網路服務及網路安全性的IT投資
- 顧客及後端認證技術的機會
第2章 技術演進
- 2FA/MFA的利用情形因不同地區而有很大的差異
- 美國旳2FA/MFA定義比歐洲廣泛
- FFIEC的自由對策創造美國的替代技術
- 行動電話作為促進次級因素的管道，正增加其發展力量
第3章 對顧客造成的影響
- 網路安全性對銀行事業而言不可或缺
- 最好有針對網路安全性的階段性對策
- 釣魚情形增加迫使銀行必須加強反向認證
- 視技術種類不同，有必要進行使用者教育
第4章 競爭狀況
第5章 進入市場
- 提議技術組合
- 既有架構結束成為障礙
- 銀行必須支援使用者教育
- 服務內容之一的技術提供對美國及德國的小型金融機構而言具有吸引力
- 通路夥伴很重要
- 在銀行集中度高的國家，市場偏好商品消費
- 與不法行為的對抗將成為長期戰
附錄
Abstract
Introduction
Online banking continues to evolve, both in terms of customer uptake and the
sophistication of the offerings. Datamonitor looks atthe security issues at
the current state of play with regard to the technology to address them.
Scope of this research
- Online banking
- Authentication, b ehavioral analysis and other security technologies
Research and analysis highlights
Internet banking is on the increase, in terms of both the number of people
using it and the variety of transactions being carried out. This is leading to
a requirement for greater security in the authorization of online customers
and greater integrity in their banking sessions.
Key reasons to purchase this research
- Gain an insight into the evolution of online security
- See how banks are seeking to complement authentication technology with
things like behavioral analysis
Table of Contents
OVERVIEW
KEY MESSAGES
- Online banking has grown, as has the range of things that customers are
doing online
- Banks are increasing IT spend on online services and online security this
year
- There are opportunities in client-side and back-end authentication
technologies
- The US has a broader definition of 2FA/MFA than Europe
- Mobile phones are gaining traction as a channel for delivering a second
factor
- A tiered approach to online security is advisable
- As phishing increases banks will need to do more on reverse authentication
- User education will be required for some types of technology
MARKET OPPORTUNITY
- Online banking has grown, as has the range of things customers are doing
online
- More account holders are banking online
- More account holders are transferring funds online
- The increasing popularity of online banking raises its profile for
fraudsters
- Banks are increasing IT spend on online services and online security this
year
- There are opportunities in client-side and back-end authentication
technologies
TECHNOLOGY EVOLUTION
- Adoption of 2FA/MFA has varied markedly by region
- Europe was first to adopt 2FA
- Initiatives in Asia Pacific got underway mid-decade
- In the US, the FFIEC called for the implementation of 2FA, but was not
prescriptive about the type of technology
- The US has a broader definition of 2FA/MFA than Europe
- The FFIEC' s non-prescriptive approach has spawned alternative technologies
in the US
- Mobile phones are gaining traction as a channel for delivering a second
factor
CUSTOMER IMPACT
- Online security must be integral to banks' business
- A tiered approach to online security is advisable
- As phishing increases banks will need to do more on reverse authentication
- User education will be required for some types of technology
COMPETITIVE LANDSCAPE
- Client-side technologies
- ActivIdentity
- Authentify
- Commerce Media
- CRYPTOCard
- Fronde Anywhere
- Gemalto
- GrIDsure
- IBM
- PassFaces
- SafeNet
- SecurEnvoy
- Thales
- Vasco
- VeriSign
- Vett
- Back-end technologies
- ACI
- Entrust
- Ericsson
- Guardian Analytics
- Iovation
- Quova
- RSA
- Tier-3
GO TO MARKET
- Recommend a mixture of technologies
- Disruption to existing infrastructure is to be discouraged
- Banks will need help with user education
- Delivering technology as a service will appeal to smaller US and German
institutions
- Channel partners will be key in such accounts
- Countries with greater banking concentration prefer to buy products
- The fight against fraudsters will go on, so a long game may be in order
APPENDIX
- Definitions
- CAPTCHA
- IP geolocation
- Man-in-the-middle (MITM) attacks
- Man-in the-browser (MITB) attacks
- One-time password (OTP)
- Out-of-band authentication (OOBA)
- Transaction Authentication Number (TAN) lists
- Two-factor authentication/Multi-factor authentication (2FA/MFA)
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
FIGURES
- Figure: Percentage of US adults who “do some internet banking”
(i.e. not necessarily daily)
- Figure: European banks' investment priorities for payments in 2009
- Figure: North American banks' investment priorities for payments in 2009
- Figure: European banks' channel investment priorities for 2009
- Figure: North American bank' s channel investment priorities in 2009
|
