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市場調查報告書

信用卡糾紛管理:數十億件交易量和數百萬件糾紛案例

Credit Card Dispute Management: Transactions in the Billions Bring Exceptions in the Millions

出版商 Mercator Advisory Group, Inc. 商品編碼 751627
出版日期 內容資訊 英文 21 Pages
商品交期: 最快1-2個工作天內
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信用卡糾紛管理:數十億件交易量和數百萬件糾紛案例 Credit Card Dispute Management: Transactions in the Billions Bring Exceptions in the Millions
出版日期: 2018年11月30日內容資訊: 英文 21 Pages
簡介

Mastercard和Visa等品牌網路的付款系統中,進行數兆美元、數十億件交易,不過,其中有一部分最終成為支付糾紛。有卡片的詐欺使用,不良商品,冒領等問題的交易,估計佔交易量的0.04%。

本報告提供超越法律規章要件的付款網路流程的強化趨勢調查,信用卡的交易量、交易額的預測,卡片詐騙造成的損失,糾紛管理的策略性工具化,提高客戶、發卡行、加盟店的滿意度的付款技術企業的配合措施等彙整資料。

調查亮點

  • 流程改善的付款技術的開發
  • 策略性工具的糾紛管理
  • 交易量、交易額的預測
  • 卡詐騙造成的損失:各類型
  • 主要技術企業的附加價值

刊載企業

  • American Express
  • Baldwin Hackett & Meeks
  • Bank of America
  • Barclays
  • Capital One
  • Chase
  • Citi
  • Discover
  • Ethoca
  • FICO
  • Fiserv
  • Mastercard
  • Pegasystems
  • TSYS
  • Visa
目錄

25 million exceptions is not bad considering 66 billion credit card transactions are being processed.

Mercator Advisory Group releases a new research report on the merits of effective management of credit card disputes.

Mercator Advisory Group's latest research report, “Credit Card Dispute Management: Transactions in the Billions Bring Exceptions in the Millions”, addresses payment disputes, which are costly for credit card issuers.

Trillions of dollars and billions of transactions pass through the branded network payment systems of Mastercard and Visa. A small fraction of these transactions end up as payment disputes. These flawed transactions are indications of unauthorized use, family fraud, unsatisfactory merchandise, or errant claims. Best estimates are that 4 basis points, or 4/1000ths of transaction volumes fall into this category. As we hit the next decade, expect exceptions to number nearly 25 million units.

Codified rules and network regulations protect consumers, but at a handling cost of $20-25 per unit, the cost to credit card issuers to investigate and resolve disputes exceeds $500 million. Payment networks are in the process of revamping their dispute processes, going beyond current regulations to collape resolution parameters, create efficiencies, and level the issuer-merchant playing field.

Mercator Advisory Group's new research report explains payment network process enhancements that go beyond the requirements of regulatory standards. It discusses what payment technology firms are doing to improve satisfaction for customers, issuers, and merchants. Readers will learn how to leverage the investment made in reconciling these accounts into a strategic advantage that can help mitigate fraud and ease the cardholder's burden.

“Every credit card issuer requires its transactions to be irrefutable, but there will inevitably be flawed items along the way,” comments Brian Riley, Director, Credit Advisory Service at Mercator Advisory Group, the author of the research report. “Not every customer's complaint is right, but many times disputes can help identify fraud risk. Payment technology firms make it easier to reconcile these errant transactions. Credit card issuers must think of their dispute units as an asset, not a burden. Don't forget, there is plenty of data in these transactions that can be used to assess risk and mitigate loss.”

This research report is 21 pages long and has 9 exhibits.

Companies mentioned in this research report include: American Express, Baldwin Hackett & Meeks, Bank of America, Barclays, Capital One, Chase, Citi, Discover, Ethoca, FICO, Fiserv, Mastercard, Pegasystems, TSYS, and Visa.

One of the exhibits included in this report:

Highlights of the research report include:

  • Payment development to improve the process
  • Dispute management as a strategic tool
  • Forecasted transaction number and dollars through 2022
  • Fraud losses by type
  • How top technology companies add value
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