|
市場調查報告書
信用卡詐騙
Credit Card Fraud Update: Silos Versus The Balloon Effect
|
信用卡詐騙 是由出版商Mercator Advisory Group, Inc.在2007年01月所出版的。
這份英文市場調查報告書包含27 pages, 14 exhibits 價格從美金2950起跳。
信用卡發行公司(Visa、MasterCard、American Express、Discover)在2005年因信用卡詐騙造成11億美元的損失。
專門於付款技術及設備、市場相關調查的美國市調公司 Mercator Advisory Group, Inc.(總公司:Massachusetts state),針對信用卡詐騙的趨勢進行調查分析,並出版經系統整理的報告書 "Credit Card Fraud Update: Silos Versus The Balloon Effect" 。
本報告書內容包括:信用卡詐騙的類型別發生件數及詐騙犯罪中特別的氣球效應解説、企業對策的不足之處、常見詐騙產生的成本,以及策略分析等。內容綱要摘記如下:
介紹
第1章 Silo vs 氣球效應
- 企業的風險管理
- 氣球效應
- 沒被計算到的因詐騙產生的成本
第2章 定量化分析
第3章 策略分析
圖
- 信用卡詐騙對策:企業風險管理的極小部份
- 氣球效應:詐騙對策促使犯罪轉移陣地
- 詐騙的源頭
- 意圖性的詐騙有可能造成財產被盜的大量資料
- 詐騙造成的損失
- 有可能被忽略的信用卡詐騙
- 銀行信用卡發行公司的詐騙損失費用
- 利用多種詐騙對策工具的網路商店、等
Abstract
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP
This report examines the incidence of a range of card fraud types, such as
issuer and online retailer fraud losses, as well as less well defined or
publicized fraud activities. Topics explored included:
- While credit card and other types of financial fraud are detected and
reported within organizational product and business line silos, fraud follows
a dynamic "balloon effect", migrating to less well defended areas.
- Large financial institutions may envision a more comprehensive approach to
detection of fraud and financial crimes, but organizational commitment and
solution development typically lag the balloon effects of fraud.
- While the credit card industry and online merchants focus on narrow fraud
metrics, the uncounted costs of fraud, their "dark numbers," are in all
likelihood significantly larger.
- Credit card issuers are demonstrating an ability to manage transaction and
application fraud within sustainable parameters.
- Online merchants, after significant investment in fraud solutions, are
similarly moving toward a sustainable fraud level, despite their rapidly
growing sales volume.
From the standpoint of the credit card industry, the most typically reported
and accepted quantification of card fraud are annual issuer losses. For 2005,
these were estimated at about $1.1 Billion for Visa, MasterCard, American
Express, and Discover combined (source: Nilson Report). Yet this estimate is
clearly just the tip of the fraud iceberg, which affects issuers, merchants,
and consumers. While the costs of some frauds can be measured, others
comprise the unreported and unmeasured "dark numbers of fraud." Ken
Paterson, Director of the Credit Advisory Service at Mercator Advisory
Group and the author of the report comments that, "the dark numbers of
fraud, while by definition unknown, are surely the largest. A significant
component is the opportunity cost incurred by both merchants and credit card
issuers in declining transactions that are suspected as fraudulent but are in
fact legitimate (perhaps 4 out of 5 transactions that are declined by online
merchants), as well as potential shopping behavior that is dissuaded by
consumer fear of fraud."
Unreported and undetected fraud at issuers is also certainly significant, and
probably ends up classified as a credit loss. Fraud may end up in the
collections file, potentially inseparable from bad debt. Indirect
victimization costs should be considered. Among individuals, the direct
financial costs of investigation, recovery, and credit record repair are
included, as well as the "soft" costs of personal time and anguish spent on
recovery.
Table of Contents
- TABLE OF FIGURES
- Introduction
- I. Silos vs. The Balloon Effect
- A Vision of Enterprise Risk Management
- The Balloon Effect: You Can Count On It-Just Not Where
- The Dark Numbers of Fraud
- II. Quantifying The Quantifiable
- Trends In Issuer-Related Fraud: Some Relatively Good News
- Trends in Online Merchant-Related Fraud
- III. Strategic Implications
- Fixing A Big Hole
- Taking On The Silos
TABLE OF FIGURES
- Figure 1: Credit Card Fraud Solutions Are Just One Element Of Enterprise
Risk Management
- Figure 2: The Balloon Effect: Fraud Solutions Displace Criminal Activity
To New Venues
- Figure 3: Sources Of Fraud: Old Favorites and New Contenders
- Figure 4: Mass Data Compromises Appear To Be Driven By Stolen Property
Rather Than Intentional Fraud
- Figure 5: Fraud Losses, Known And Unknown
- Figure 6: Credit- Related Frauds On Consumers Are Often Overlooked
- Figure 7: Recent Issuer Fraud Losses Have Trended Under 7 Basis Points
- Figure 8: Bank Card Issuer Fraud Loss Expenses Have Remained Within A 40BP
Cost Range
- Figure 9: Bank Card Fraud Expenses Remain Under $1 Billion Despite Rising
Volume
- Figure 10: Bank Card Fraud As A Percent of Outstandings Has Remained Flat
- Figure 11: Bank Card Fraud As A Percent of Chargeoffs Has Remained In a
Narrow Range
- Figure 12: Growth In Online Fraud Has Paralleled Growth In Online Sales
- Figure 13: While Online Sales More Than Tripled In Five Years, Fraud
Declined As A Percentage
- Figure 14: Online Merchants Deploy An Array of Anti-Fraud Tools
|