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Insight Report: Security in Consumer Payments and Retail Banks

出版商 Timetric 商品編碼 330765
出版日期 內容資訊 英文 32 Pages
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消費者付款、零售銀行的安全 Insight Report: Security in Consumer Payments and Retail Banks
出版日期: 2015年05月25日 內容資訊: 英文 32 Pages


第1章 摘要整理

第2章 銀行克服威脅太慢?

  • 對付款系統的威脅增加
  • 為何銀行延誤?
  • 銀行為了面對威脅的方法

第3章 外包、安全的疑慮

第4章 付款安全的生物辨識 (生物識別) 與權標化所扮演的角色

  • 銀行、付款的生物辨識
  • 權標的卡片付款保護

第5章 安全和實用性的均衡化

  • 情境感知或漸進安全會進入銀行嗎?

第6章 電腦網路犯罪的破除:共同方法

第7章 附錄


Product Code: VR1152MR

Timetric's ‘Insight Report: Security in Consumer Payments and Retail Banks' analyzes the growing threat faced by payment systems across the world. Following the increase in the number of targeted attacks, the payments industry is grappling with the question of whether banks can counter the sophisticated skills of cybercriminals.

Cybercriminals work in an unconstrained environment, enabling them to combine creativity and the latest technical expertise faster than banks can anticipate their attacks; as a result, banks tend to lag behind, constrained by their size and legacy systems.

The report gives extensive details of the challenges faced by banks in dealing with cybercriminals. It also analyzes current security tools adopted by banks, along offers in-depth analysis of emerging technology in payments security. The report also explores the relationship of security with consumer convenience. The importance of context-aware and progressive security is discussed, as is the need for a collaborative approach from participants in the payment ecosystem to reduce instances of data breach and fraud.


Timetric's ‘Insight Report: Security in Consumer Payments and Retail Banks' provides insights into security threats to consumer payments, and the approaches taken by retail banks to counter them. It also:

  • Analyzes the methods of major attacks on payment systems.
  • Covers key challenges faced by banks in defending consumer payments.
  • Explores initiatives taken by banks to secure payment infrastructures.
  • Discusses emerging technology and its likely impact on payment security.
  • Explores whether context-aware security can help banks balance consumer convenience and security.


  • The report covers major instances of cyber-attacks on payment systems between 2012 and February 2015.
  • It analyzes major challenges faced by banks in securing consumer payments.
  • It analyzes various security measures and tools adopted by banks to lower instances of fraud, along with their impact and weakness.
  • It covers security concerns related to outsourcing, and a snapshot of vendor management best practices.
  • It analyzes the role of biometrics and tokenization in securing payments.
  • It explores the future options in payment security such as context-aware/progressive security and unified approach from different market participant of payment ecosystem to limit cyber-threats and fraud.

Reasons To Buy

  • Gain an understanding of cyber-threats in the global payments market. Is this something your organization is ready for?
  • Understand how banks across the world are trying to limit instances of cyber-attacks and fraud.
  • Gain insights into the impact of current security tools on various threats and their weaknesses.
  • Understand why banks are lagging behind cybercriminals.
  • Gain insights into why it is difficult to control targeted attacks.
  • Understand why a collaborative approach is required to limit instances of cyber-threats and fraud.
  • Gain insights into how context-aware security can help banks improve security without compromising consumer convenience.

Table of Contents

1. Executive Summary

2. Are Banks too Slow to Overcome Threats?

  • 2.1. Increasing Threat for Payment Systems
  • 2.2. Why are Banks Lagging Behind?
  • 2.3. Banks' Approaches to Tackling Threats

3. Outsourcing and Security Concerns

4. The Role of Biometrics and Tokenizaton in Payment Security

  • 4.1. Biometrics in Banking and Payments
  • 4.2. Securing Card Payments with Tokens

5. Balancing Security and Usability

  • 5.1. Is Context-Aware or Progressive Security the Way Forward for Banks?

6. Defeating Cybercriminals: A Collaborative Approach

7. Appendix

  • 7.1. Methodology
  • 7.2. Definitions
  • 7.3. Contact Timetric
  • 7.4. About Timetric
  • 7.5. Timetric's Services
  • 7.6. Disclaimer

List of Tables

  • Table 1: Instances of Large-Scale Attacks on Payment Systems, 2012-2015
  • Table 2: Regional Deployment of EMV, Q4 2013
  • Table 3: Notable Cybersecurity Expenditure by the 'Big Four' US Banks
  • Table 4: How are Banks Protecting Clients?
  • Table 5: Potential Applications of Biometrics in Banking and Payments
  • Table 6: Tokenization and Card Payment Ecosystems
  • Table 7: Security and Usability Rankings of Key Technologies
  • Table 8: Perimeter vs Progressive Security
  • Table 9: A Collaborative Approach to Limit Payment Fraud and Cyber-Attacks on Banks
  • Table 10: Key Definitions
  • Table 11: EMVCo Worldwide EMV Deployment: Regional Definitions

List of Figures

  • Figure 1: Large-Scale Security Incidents in Banking, 2014
  • Figure 2: Key Challenges for Banks Related to Cybersecurity and Fraud
  • Figure 3: Card Fraud - the US vs Europe, 2010-2014
  • Figure 4: Trust Culture in Financial Services and E-Commerce Firms
  • Figure 5: Levels of Risk in Various Outsourcing Models
  • Figure 6: Vendor Management Best Practice to Limit Security Concerns
  • Figure 7: Importance of Biometric Identification - the Consumer Perspective, 2014
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