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米国の要求払い口座(DDA)引き受け・口座開設プロセス:現在・将来の動向

DDA Underwriting and Account Opening Process: Today and Tomorrow

発行 Mercator Advisory Group, Inc. 商品コード 307707
出版日 ページ情報 英文 23 pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=114.71円で換算しております。
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米国の要求払い口座(DDA)引き受け・口座開設プロセス:現在・将来の動向 DDA Underwriting and Account Opening Process: Today and Tomorrow
出版日: 2014年07月09日 ページ情報: 英文 23 pages
概要

要求払い口座(Demand Deposit Accounts)は、かつては個人が金融機関に、身分証明書の確認と簡単な詐欺情報確認で開設することができました。しかし、政府の規制厳格化に伴い、金融機関側では法規制に沿ったコンプライアンス遵守や口座引き受け確認を求められようになりました。今後も、詐欺的な取引が増加し続けるにつれ、リテールバンク側ではリスク・詐欺確認のためにより多くのプロセスを経る必要が出てくるでしょう。新規口座開設の申請受理・確認・承認を一括して行えるプロセスの開発はまだ著に付いたばかりですが、より効果的なツールや部門横断的なソリューションの開発は、まもなく現実物物となるでしょう。

当レポートでは、米国における要求払い口座(以下DDA)開設・引き受け時における、現在のコンプライアンス確認・詐欺行為防止のための過去・現在のリスク情報確認体制や、今後の技術・ソリューション(リアルタイム/オンライン処理など)の開発見通し、金融機関各社の取り組み事例などについて調査・考察しております。

主な分析内容

  • オンラインで銀行口座の開設を申し込んだ消費者の割合(対人口比)
  • DDA開設申込の処理過程の自動化の現状:リアルタイム・オンラインでのコンプライアンス確認・リスク分析、など
  • 予見的な解析機能と、新しいDDA引き受け機能の一体化:従来型方法(ブラックリスト照合のみによる危険排除)の代替
  • 個人が新たにDDA口座開設を申請した際の、新たな口座獲得過程における部門横断式確認の役割
  • この分野のソリューションプロバイダーの概要とその製品について

主な分析対象企業

  • ACI Worldwide
  • Andera (Bottomline Technologies)
  • Capital One Bank
  • ChexSystems
  • Early Warning Services
  • Equifax
  • FICO
  • FIS
  • ID Analytics
  • IDology
  • Innovis
  • LexisNexis
  • Jumio
  • Mitek Systems
  • Zoot Enterprises
目次

Demand deposit accounts have historically been opened by consumers at financial institutions (FIs) based on a series of simple identity and fraud checks. With growing government and regulatory oversight, FIs are being asked to perform compliance and authentication checks to meet requirements of the Bank Secrecy Act (Anti-Money Laundering) and USA PATRIOT Act (Know Your Customer). With continuing growth in fraudulent transactions, retail banks have added additional layers of risk and fraud checking.

Mercator Advisory Group's latest research report, ‘DDA Underwriting and Account Opening Process: Today and Tomorrow’, delves into the questions troubling debit business, risk, and compliance managers. Debit fraud is rapidly increasing. At the same time, regulators are becoming more sensitive to retail bankers' abilities to monitor and prevent identity theft, block suspicious transactions, and block dangerous individuals from opening bank accounts to move funds to others through that account. Alternative online, real-time data and predictive modeling solutions are being developed. The report provides a look into Mercator Advisory Group's primary data on U.S. consumers' interest in digital channels for financial product information and new account application preferences. The report also provides an overview of DDA account application experiences in the past and present and trends for the future, a look at the DDA new account application work flow including traditional third-party data sources and alternative data vendor options, and a deeper dive into some of the thought leaders among the vendors from a risk and compliance perspective.

The process of new account application, review, and approval is very much in transition, with smarter, more efficient tools in development, and integration between banking channels no longer a dream but almost within grasp.

This Research Note has 23 pages and 9 exhibits.

Companies mentioned in this research report include: ACI Worldwide, Andera (Bottomline Technologies), Capital One Bank, ChexSystems, Early Warning Services, Equifax, FICO, FIS, ID Analytics, IDology, Innovis, LexisNexis, Jumio, Mitek Systems, and Zoot Enterprises.

One of the exhibits included in this report:

                       Source: Mercator Advisory Group Customer Monitor Survey Series, Banking and Channels, 2013, Questions 17,18.
                       © Mercator Advisory Group

Highlights of the report include:

  • Mercator Advisory Group survey data on the percentage of U.S. consumers by demographic segment that have applied for bank accounts online
  • Description of today's automated process of DDA account application, including compliance checks and risk analysis being done in real time online
  • Integration of predictive analytics into the new DDA account underwriting process to replace risk checks based purely on eliminations based on matches to negative files
  • The role of cross-selling in the new account acquisition process, once the individual has been approved for the DDA account
  • Profiles of solution providers and their products in this area
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