市場調査レポート

バリューチェーンにわたるCNP(カード不介在)リスクマネジメント

Card-Not-Present Risk Management Across the Value Chain

発行 Mercator Advisory Group, Inc. 商品コード 231711
出版日 ページ情報 英文 22 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=107.50円で換算しております。
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バリューチェーンにわたるCNP(カード不介在)リスクマネジメント Card-Not-Present Risk Management Across the Value Chain
出版日: 2012年02月16日 ページ情報: 英文 22 Pages
概要

当レポートでは、世界のEコマース市場におけるCNP(カード不介在)リスクマネジメントについて調査し、世界的なEコマースの成長とそのカードリスクマネジメントの現状、カードペイメントバリューチェーンのリスク対応と義務、詐欺防止・リスクマネジメントツールを評価または構築するための新しい指標、およびペイメント産業・CNPマーチャントのリスク管理者向け戦略的検討事項などを分析しており、概略以下の構成でお届けします。

エグゼクティブサマリー

イントロダクション

Eコマース市場(米国および世界)

  • 不況以降の米国の小売Eコマース市場
  • Delta: EMV + 世界的なEコマースの成長 + CNP詐欺 = 大きなリスクマネジメント課題

取引プロセスにおけるCNPリスクのコラボレーティブマネジメント

  • サイロ:いつもの話
  • 新しい詐欺実行基準
  • デジタルコンテンツ:リアルタイム決定
  • レイヤードからインターロック防衛へ
  • 壁を叩き壊せ!

結論

  • CNPマーチャント向け行動段階
  • データ所有、プライバシー、および利用例の制定
  • 詐欺ソリューションの獲得者:
  • 「カード介在の」Eコマース:オンラインPINデビット(およびクレジット)を機能させる
  • CNPリスクはシステムに全体にわたる責任
  • 後注

図表

目次

Abstract

Research Examines Collaboration in Card Fraud Countermeasures

Boston, MA -- Mercator Advisory Group's new report, Card-Not-Present Risk Management Across the Value Chain, examines strategies with which payment industry stakeholders might manage fraud risk in a more collaborative fashion across the value chain. To define the context for the report, the analysis begins with a look at the current dynamics in global e-commerce markets that are making adoption of collaborative strategies more imperative. Next, the discussion proceeds into current implementations of risk management practices within payment acquiring, online and multi-channel retail, and card issuing, as well as strategic concepts that may propel these practices into the next generation.

"Payment card risk management today exists in silos that correspond to each link in the transaction flow -- generally, the merchant, the acquirer, and the issuer (and its network partner). The various systems and processes that enable card transactions only talk to each other in limited ways; to a large degree, each party utilizes them only to manage its own risk. In other words, issuers, merchants, and acquirers concern themselves mostly with managing their own risk out of self-interest without much regard to risks posed to other members of the value chain," David Fish, senior analyst at Mercator Advisory Group and author of the report comments. "Mercator postulates that more collaborative use of risk management systems in payments would be of greater benefit to all involved, and thus the self-interest paradigm is actually a paradox."

Highlights of this report include:

An in depth analysis of the global growth of e-commerce and its implications for card risk management practices

Explanation of current risk procedures and duties associated with the various card payment value chain stakeholders

Coverage of instances where collaboration exists between stakeholder entities (both of the same type and of different types) in risk processes and practices

New criteria with which the payments industry should evaluate or build fraud prevention and risk management tools

Strategic considerations and action steps for risk managers in the payments industry and at CNP merchants

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This report is 22 pages long and has seven exhibits and two tables.

Companies mentioned in this report include: 41st Parameter; Acculynk; Amazon; American Express; ChargeAnywhere; CyberSource; Ethoca; FICO; iovation; Kount; NICE Actimize; Retail Decisions; RoamPay; SecureKey; Square; ThreatMetrix; Visa.

Table of Contents

Executive Summary

Introduction

The E-Commerce Market (in the U.S. and Elsewhere)

  • U.S. Retail E-commerce Since the Recession
  • Delta: EMV + Global E-commerce Growth + CNP Fraud = Big Risk Management Challenge

Collaborative Management of Card-Not-Present Fraud Risk in the Transaction Process

  • Silos: The Same Old Story
  • New Fraud Performance Criteria
  • Digital Content: Real-Time Decisioning
  • From Layered to Interlocking Defenses
  • Mr. Gorbachev, Tear Down This Wall

Conclusion

  • Action Steps for CNP Merchants
  • Data Ownership, Privacy, and the Establishment of Use Cases
  • Acquirer Fraud Solutions: Rules Management Needs to Be Easy
  • "Card-Present" E-Commerce: Making Online PIN Debit (and Credit) Work
  • Card-Not-Present Risk Is a Systemwide Responsibility
  • Endnotes

Figures and Tables

  • Figure 1: Annual U.S. Retail E-commerce Sales, 2004 - 2015
  • Figure 2: Quarterly U.S. Retail E-commerce Sales, 2004 - 2011
  • Figure 3: Quarterly U.S. Retail E-commerce as a Percentage of Total Retail Sales, 2004 - 2011
  • Figure 4: Annual Global Retail E-commerce Sales, 2004 - 2013
  • Figure 5: Front-End / Back-End Transactional Risk Management Processes Are Not Collaborative Today
  • Table 1: Contextual Flexibility Required
  • Figure 6: Inverse Relationship of Delivery Expectations and Value
  • Table 2: Interlocking Defenses
  • Figure 7: CNP Risk Management Layers: Core Competencies of Value-Chain Players Are Synergistic
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