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市場調查報告書

美國的活期存款帳戶(DDA)承擔、開戶流程:現在、未來趨勢

DDA Underwriting and Account Opening Process: Today and Tomorrow

出版商 Mercator Advisory Group, Inc. 商品編碼 307707
出版日期 內容資訊 英文 23 pages
商品交期: 最快1-2個工作天內
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美國的活期存款帳戶(DDA)承擔、開戶流程:現在、未來趨勢 DDA Underwriting and Account Opening Process: Today and Tomorrow
出版日期: 2014年07月09日 內容資訊: 英文 23 pages
簡介

活期存款帳戶(Demand Deposit Accounts),過去個人在金融機關,只要確認身分證和確認簡單的詐騙資訊便可開設。可是,隨著政府的法規嚴格化,金融機關方面沿法律規章遵守規定,和要求戶頭承擔確認。今後隨著詐騙交易持續增加,零售銀行方面應也需要為了確認風險、詐騙經過許多流程。總括新戶頭開設的申請受理、確認、核準的開發尚在進行,不過開發更有效流程的工具和跨部門的解決方案,不久應將會實現。

本報告提供美國的活期存款帳戶(以下DDA)開設、承擔時、目前確認遵守、防止詐騙行為的過去、目前風險資訊確認體制、及今後的技術解決方案(即時/線上處理等)的開發預測、各金融機關的配合措施案例等相關調查與考察。

主要的分析內容

  • 線上申請的銀行帳戶開設的消費者比例(對人口比)
  • DDA開設申請的處理過程自動化現況:即時、線上的確認遵守與風險分析等
  • 預見性的分析功能與新的DDA承擔功能的一體化:傳統方法(只比對黑名排除單危險)的替代
  • 個人重新申請DDA戶頭開設時,獲得新戶頭的過程中跨部門確認的功能
  • 關於這個領域的解決方案供應商概要與其產品

主要分析對象企業

  • ACI Worldwide
  • Andera (Bottomline Technologies)
  • Capital One Bank
  • ChexSystems
  • Early Warning Services
  • Equifax
  • FICO
  • FIS
  • ID Analytics
  • IDology
  • Innovis
  • LexisNexis
  • Jumio
  • Mitek Systems
  • Zoot Enterprises
目錄

Demand deposit accounts have historically been opened by consumers at financial institutions (FIs) based on a series of simple identity and fraud checks. With growing government and regulatory oversight, FIs are being asked to perform compliance and authentication checks to meet requirements of the Bank Secrecy Act (Anti-Money Laundering) and USA PATRIOT Act (Know Your Customer). With continuing growth in fraudulent transactions, retail banks have added additional layers of risk and fraud checking.

Mercator Advisory Group's latest research report, ‘DDA Underwriting and Account Opening Process: Today and Tomorrow’, delves into the questions troubling debit business, risk, and compliance managers. Debit fraud is rapidly increasing. At the same time, regulators are becoming more sensitive to retail bankers' abilities to monitor and prevent identity theft, block suspicious transactions, and block dangerous individuals from opening bank accounts to move funds to others through that account. Alternative online, real-time data and predictive modeling solutions are being developed. The report provides a look into Mercator Advisory Group's primary data on U.S. consumers' interest in digital channels for financial product information and new account application preferences. The report also provides an overview of DDA account application experiences in the past and present and trends for the future, a look at the DDA new account application work flow including traditional third-party data sources and alternative data vendor options, and a deeper dive into some of the thought leaders among the vendors from a risk and compliance perspective.

The process of new account application, review, and approval is very much in transition, with smarter, more efficient tools in development, and integration between banking channels no longer a dream but almost within grasp.

This Research Note has 23 pages and 9 exhibits.

Companies mentioned in this research report include: ACI Worldwide, Andera (Bottomline Technologies), Capital One Bank, ChexSystems, Early Warning Services, Equifax, FICO, FIS, ID Analytics, IDology, Innovis, LexisNexis, Jumio, Mitek Systems, and Zoot Enterprises.

One of the exhibits included in this report:

                       Source: Mercator Advisory Group Customer Monitor Survey Series, Banking and Channels, 2013, Questions 17,18.
                       © Mercator Advisory Group

Highlights of the report include:

  • Mercator Advisory Group survey data on the percentage of U.S. consumers by demographic segment that have applied for bank accounts online
  • Description of today's automated process of DDA account application, including compliance checks and risk analysis being done in real time online
  • Integration of predictive analytics into the new DDA account underwriting process to replace risk checks based purely on eliminations based on matches to negative files
  • The role of cross-selling in the new account acquisition process, once the individual has been approved for the DDA account
  • Profiles of solution providers and their products in this area
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