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不正検知・防止市場レポート:コンポーネント別、用途別、組織規模別、業界別、地域別、2023-2028年Fraud Detection and Prevention Market Report by Component, Application, Organization Size, Vertical, and Region 2023-2028 |
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不正検知・防止市場レポート:コンポーネント別、用途別、組織規模別、業界別、地域別、2023-2028年 |
出版日: 2023年11月02日
発行: IMARC
ページ情報: 英文 146 Pages
納期: 2~3営業日
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世界の不正検知・防止市場規模は2022年に286億米ドルに達しました。今後、IMARC Groupは、2022年から2028年にかけて22.9%の成長率(CAGR)を示し、2028年までに985億米ドルに達すると予測しています。オンラインバンキングサービスに対する個人の傾向の高まり、eコマースサイトの増加、マルウェア攻撃の発生を最小限に抑えるための教育機関での採用拡大などが、市場を推進している主な要因の一部です。
不正検知は、不正な金融取引、個人情報の盗難、その他の不正行為などの不正行為を特定するための体系的なプロセスです。ルール、分析、アルゴリズムを組み合わせて大量のデータを分析し、不審なパターンや不整合を検出します。一方、不正防止は、不正行為を未然に防ぐための対策を実施することに重点を置いています。これには、機密情報や金融資産を保護するために設計されたセキュリティ・プロトコル、プロセス、テクノロジーを採用することが含まれます。不正の検出と防止は、無許可の潜在的に有害な活動に対する強固な防御を形成します。
不正検知・防止は、銀行・金融サービス・保険(BFSI)セクターにおいて、モバイル・バンキングやインターネット・バンキングのアプリケーションを保護し、オンライン取引、保険金請求、カード関連の詐欺から保護するために採用されています。このことは、個人のオンライン・バンキング・サービスへの傾倒の高まりと相まって、世界市場の成長を後押ししています。さらに、eコマース・ウェブサイトの数が増加し、オンライン・ショッピングへの嗜好が高まっていることも、世界の不正検知・防止需要の原動力となっています。さらに、教育機関の数が増加していることも、マルウェア攻撃、奨学金詐欺、教育詐欺の発生を最小限に抑えるために、不正検知・防止の採用を後押ししています。これは、海外留学の新たな動向とともに、市場の成長を後押ししています。これとは別に、生産性を向上させパフォーマンスを改善するためにヘルスケアシステムを最適化するヘルスケア分野での不正検知・防止の利用が増加していることも、市場の成長を強化しています。
サイバー詐欺行為の増加
銀行、eコマース、ヘルスケアなど、さまざまな分野でサイバー詐欺行為が急増しています。技術の急速な進歩に伴い、サイバー犯罪者は洗練された手法で個人情報をハッキングし、個人や組織に金銭的損失をもたらしています。オンライン取引の増加や、遠隔操作による不正行為の容易さが、この動向に拍車をかけています。そのため、機密情報を保護し、潜在的なリスクを最小限に抑えることを目的とした不正検知・防止ソリューションの需要が高まっています。
デジタル・プラットフォーム導入の増加
モバイルバンキング、オンラインショッピング、バーチャルヘルスケアなど、デジタルプラットフォームの利用が急増した結果、詐欺行為の件数が増加しています。人々はより多くの個人情報や金融情報をオンラインで共有するようになり、企業はデジタル・チャネルを介した業務をますます増やしています。このような広範なデジタル化により、不正アクセスや悪意ある意図からオンライン・プラットフォームを保護するための強固な不正検知・防止メカニズムが必要となっています。これらの対策を統合することで、企業は消費者により安全な環境を提供し、潜在的な脅威から自らを守ることができます。
国境を越えた取引の増加
国際貿易の拡大と世界化に伴い、国境を越えた取引が一般的になっています。このような取引は、ビジネスの拡大にとって有益である一方、セキュリティや不正行為の防止という点では独自の課題となっています。国が違えば規制も異なり、為替も複雑さを増します。国際標準に準拠した包括的な不正検知・防止策の導入は、この相互接続された世界では不可欠であり、こうしたサービスへの需要をさらに高めています。
The global fraud detection and prevention market size reached US$ 28.6 Billion in 2022. Looking forward, IMARC Group expects the market to reach US$ 98.5 Billion by 2028, exhibiting a growth rate (CAGR) of 22.9% during 2022-2028. The increasing inclination of individuals towards online banking services, rising number of e-commerce websites, and the growing adoption in educational institutions to minimize incidences of malware attacks are some of the major factors propelling the market.
Fraud detection is a systematic process used to identify fraudulent activities, such as unauthorized financial transactions, identity theft, or other deceptive practices. It employs a combination of rules, analytics, and algorithms to analyze large amounts of data for suspicious patterns or inconsistencies. On the other hand, fraud prevention focuses on implementing measures to stop fraudulent activities before they occur. It involves employing security protocols, processes, and technologies designed to safeguard sensitive information and financial assets. Fraud detection and prevention form a robust defense against unauthorized and potentially harmful activities.
Fraud detection and prevention is employed in the banking, financial services and insurance (BFSI) sector to secure mobile and internet banking applications and protect against online transactions, insurance claims, and card-related scams. This, coupled with the increasing inclination of individuals towards online banking services, is bolstering the growth of the market around the world. Moreover, rising number of e-commerce websites and the growing preferences for online shopping are driving the demand for fraud detection and prevention worldwide. In addition, increasing number of educational institutions is catalyzing the adoption of fraud detection and prevention to minimize the incidences of malware attacks, scholarship frauds, and education scams. This, along with the emerging trend of studying overseas, is favoring the growth of the market. Apart from this, the rising utilization of fraud detection and prevention in the healthcare sector for optimizing the healthcare system to enhance productivity and improve performance is strengthening the growth of the market.
Increase in cyber fraud activities
There is a sharp rise in cyber fraud activities across various sectors like banking, e-commerce, and healthcare. With technology advancing rapidly, cybercriminals are using sophisticated methods to hack personal information, which leads to financial losses for individuals and organizations. The growth of online transactions and the ease with which fraudulent activities can be conducted remotely contribute to this trend. Hence, the demand for fraud detection and prevention solutions is rising, which aims to protect sensitive information and minimize potential risks.
Rise in adoption of digital platforms
The surge in digital platform usage, like mobile banking, online shopping, and virtual healthcare, is resulting in the rising number of fraudulent activities. People are sharing more personal and financial information online, and businesses are conducting an increasing amount of their operations via digital channels. This extensive digitalization necessitates robust fraud detection and prevention mechanisms to secure online platforms against unauthorized access and malicious intent. By integrating these measures, businesses can provide a safer environment for consumers and protect themselves against potential threats.
Growing cross border transactions
With the growth of international trade and globalization, cross-border transactions have become common. These transactions, while beneficial for business expansion, present unique challenges in terms of security and fraud prevention. Different countries can have varying regulations, and currency exchange adds another layer of complexity. Implementing comprehensive fraud detection and prevention measures that comply with international standards becomes vital in this interconnected world, further driving the demand for these services.
IMARC Group provides an analysis of the key trends in each segment of the global fraud detection and prevention market report, along with forecasts at the global, regional and country levels from 2023-2028. Our report has categorized the market based on component, application, organization size and vertical.
Solutions
Services
Solutions dominate the market
The report has provided a detailed breakup and analysis of the market based on the component. This includes solutions and services. According to the report, solutions represented the largest segment. Fraud detection and prevention solutions are software systems designed to identify and mitigate fraudulent activities within various industries. These solutions employ advanced algorithms, machine learning, and data analytics to detect patterns and anomalies that may indicate fraudulent behavior. They analyze large volumes of data, such as transaction records, user behaviors, and historical patterns, to identify deviations and potential fraud indicators.
Fraud detection and prevention services refer to the expertise and assistance provided by specialized companies to help businesses implement effective strategies to identify and prevent fraud. These services can include consulting, risk assessment, system integration, and ongoing monitoring. Companies that provide these services often work closely with their clients to understand their specific needs, design tailored fraud prevention strategies, and assist in the deployment of technologies and processes. They can also offer continuous support, updates, and analysis to adapt to evolving fraud tactics and ensure a strong defense against fraudulent activities.
Identity Theft
Money Laundering
Payment Fraud
Others
Payment fraud hold the largest share in the market
A detailed breakup and analysis of the market based on the application has also been provided in the report. This includes identity theft, money laundering, payment fraud, and others. According to the report, payment fraud accounted for the largest market share. Payment fraud relies on various tactics to steal payment information. Fraud detection and prevention mechanisms employ real-time analysis of transaction data to detect unusual spending patterns, locations, or amounts. They can also utilize machine learning to learn from past fraud cases and identify emerging trends. These systems can prevent fraudulent transactions from being processed, protecting both consumers and businesses from financial losses by employing techniques like address verification, card security codes, and transaction velocity checks.
Fraud detection and prevention techniques are crucial in combating identity theft, where someone impersonates another individual to gain access to their personal information or financial resources. These techniques involve monitoring user behaviors and patterns across various channels to detect any unusual activities. Additionally, multifactor authentication, biometric verification, and device fingerprinting can help confirm the user's identity and prevent unauthorized access.
Small and Medium Enterprises
Large Enterprises
Large enterprises dominate the market
The report has provided a detailed breakup and analysis of the market based on the organization size. This includes small and medium enterprises, and large enterprises. According to the report, large enterprises represented the largest segment. Large enterprises typically have more resources and complex operations, which require a comprehensive and sophisticated approach to fraud detection and prevention. They often invest in advanced solutions that leverage artificial intelligence (AI), machine learning (ML), and big data analytics to analyze vast amounts of transactional data in real time. These systems can identify intricate patterns and anomalies that may indicate fraudulent activities across multiple channels. Large enterprises might also implement custom-built solutions tailored to their specific needs, integrating fraud detection into their existing systems and processes.
For small and medium enterprises, fraud detection and prevention often involve a combination of cost-effective technologies and streamlined processes. Due to limited resources, SMEs might opt for off-the-shelf fraud detection software or cloud-based solutions that offer scalability without requiring a significant upfront investment. These solutions can help monitor transactions, user activities, and account access for any unusual patterns. Additionally, implementing basic security measures such as multi-factor authentication, regular password updates, and employee training on recognizing phishing attempts can go a long way in preventing fraud.
BFSI
Government and Defense
Healthcare
IT and Telecom
Manufacturing
Retail and E-Commerce
Others
BFSI hold the largest share in the market
A detailed breakup and analysis of the market based on the vertical has also been provided in the report. This includes BFSI, government and defense, healthcare, IT and telecom, manufacturing, retail and e-commerce, and others. According to the report, BFSI accounted for the largest market share. In the BFSI sector, fraud detection and prevention are critical to protect financial assets of customers and maintain the integrity of financial transactions. Advanced algorithms and machine learning are used to analyze transaction data, identifying unusual patterns that may indicate fraudulent activities like credit card fraud, account takeovers, or insider trading. Real-time monitoring of transactions, and identity verification, play a crucial role in preventing financial fraud in this industry.
Fraud detection and prevention in the government and defense sectors focus on preventing misuse of funds, procurement fraud, and other corrupt activities. These industries often implement stringent controls, auditing procedures, and transparency measures to deter fraud. Advanced analytics and data mining help identify anomalies in procurement processes, while strict access controls and authentication protocols protect sensitive government and defense information.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America exhibits a clear dominance, accounting for the largest fraud detection and prevention market share
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share. The increasing instances of digital frauds represents one of the key factors driving the demand for fraud detection and prevention in the North America region. Moreover, the rising number of cybercrimes and cyber frauds is bolstering the market growth in the region. Besides this, the growing popularity of e-commerce portals is influencing the market positively in the region.
The leading companies are incorporating advanced technologies, such as machine learning (ML), artificial intelligence (AI), big data analytics, predictive analytics, the internet of things (IoT), deep learning, and cloud-based solutions in fraud detection and prevention. These advanced technologies analyze vast amounts of data and identify patterns indicative of fraud. These algorithms learn from historical data to recognize evolving fraud techniques, which enable real time detection and reduce false positives and allow for the identification of subtle patterns and anomalies that might indicate fraudulent activities. These advancements use historical data to forecast potentially fraudulent activities and grant organizations to proactively address emerging fraud trends and take preventive measures.
ACI Worldwide Inc.
BAE Systems
Cybersource Corporation (Visa Inc.)
DXC Technology Company
Experian plc
Fiserv Inc.
Global Payments Inc.
International Business Machines Corporation
Oracle Corporation
SAP SE
SAS Institute Inc.
Software AG
Total System Services Inc.
In 2022, Fiserv Inc. collaborated with Advanced Fraud Solutions (AFS) for fraud detection, risk-based funds availability, and decision processes, which help prevent losses and identify fraudulent deposits before they are accepted.
In 2022, Experian plc launched a new tool to detect fraudulent credit applications.