Global Payment Card Fraud Trends and Statistics
|出版商||Mercator Advisory Group, Inc.||商品編碼||327364|
|出版日期||內容資訊||英文 21 pages
支付卡等的電子付款方式的利用數量，不論已開發國家、發展中國家，不論交易形態 (線上/離線) ，持續迅速擴大。支付卡詐騙也隨之橫行，不管產業方面有多努力仍無法根絕。到目前為止，也採用了智慧晶片卡的利用者資料的保護等對策，不過，由於未出示卡片 (CNP) 交易的普及等，支付卡詐騙出現了復活的動向。今後電腦網路犯罪對個人、企業、金融機關的攻擊不絕，產業方面致力於權標化等新技術的有效利用，企圖更強化對支付卡詐騙的防禦。
本報告提供全球及主要國家 (英國、法國、澳洲、南非) 的支付卡詐騙的實際狀態、和付款產業方面、各國政府的對策相關分析、相關統計資料 (發生數量、受害總額、發生率、各內容的詳細趨勢 (偽造卡片、卡片掛失/盜竊、卡片ID盜竊、郵件沒到、未出示卡片型詐騙另外) 等) ，為您概述為以下內容。
The consumer use electronic payment forms like payment cards continues to grow robustly around the world with both mature and developing markets experiencing increased use of cards year over year at both the physical point of sale and online. While much of the global payments industry benefits from this increased use of electronic payments, the downside of this growth has been the rebound of fraud losses despite the industry's best efforts to minimize consumer exposure.
Industry efforts to reduce fraud exposure through certain payment technologies have resulted in sharp declines in certain types of payment fraud. For example, the smart chip embedded in EMV cards to store and protect cardholder data thwarts counterfeit card fraud. However, changing consumer trends, particularly the growth of card-not-present (CNP) transactions online has left the industry somewhat exposed, and as a result global fraud losses are once again on the rise.
Mercator Advisory Group's research report, Global Payment Card Fraud Trends and Statistics, examines global payment card fraud by examining fraud statistics and initiatives in four selected countries: the United Kingdom, France, Australia, and South Africa. The report discusses overall fraud rates on domestically issued cards and shows the rate by type of fraud, including counterfeit card, lost/stolen card, card ID theft, mail non-received, and card-not-present fraud.
"While the future of the payments industry is hard to predict, one certainty is that cybercriminals will continue their attacks on consumers, businesses, and financial institutions via the payment channels available today. Although the payments industry may not be able to end all types of payment fraud, it continues to evolve new fraud deterrents and become better equipped to tackle criminal attacks. The hope is that with the creation of new security technologies like tokenization, the industry can begin to play offense rather than always having to play defense against payment fraud attacks," comments Tristan Hugo-Webb, Associate Director, Global Payments Advisory Service at Mercator Advisory Group and the primary author of the research.
This report contains 21 pages and 10 exhibits.
Organizations mentioned in this report include: American Express, China UnionPay, Discover, JCB, MasterCard, Visa, Financial Fraud Action UK, Observatory for Payment Card Security of the French Central Bank, Australian Payments Clearing Association, and South Africa Banking Risk Information Centre.
Members of Mercator Advisory Group's Global Payments Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.
Highlights of the report include: