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世界の決済カード詐欺の傾向と統計データ

Global Payment Card Fraud Trends and Statistics

発行 Mercator Advisory Group, Inc. 商品コード 327364
出版日 ページ情報 英文 21 pages
納期: 即日から翌営業日
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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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世界の決済カード詐欺の傾向と統計データ Global Payment Card Fraud Trends and Statistics
出版日: 2015年03月26日 ページ情報: 英文 21 pages
概要

決済カードなどの電子決済手段の利用件数は、先進国・途上国を問わず、また取引形態 (オンライン/オフライン) を問わず、急速な拡大が続いています。それに伴って決済カード詐欺も横行しており、業界側の努力にも関わらず根絶に至っていません。これまでも、スマートチップ入りカードによる利用者データの保護などの対応策が採られてきましたが、カード不介在 (CNP) 取引の普及などにより、決済カード詐欺の復活の動きが現れてきました。今後も、サイバー犯罪による個人・企業・金融機関への攻撃は止むことがないでしょうが、業界側ではトークン化などの新規技術の活用に取り組み、決済カード詐欺に対する防衛を一層強化しようとしています。

当レポートでは、全世界および主要国 (英国・フランス・オーストラリア・南アフリカ) における決済カード詐欺の実態と、決済業界側・各国政府の対応策について分析すると共に、関連統計データ (発生件数・被害総額、発生率、内容別の詳細動向 (偽造カード、カード損失/盗難、カードID盗難、メール不着、カード不介在型詐欺ほか) など) を盛り込んでお届けいたします。

分析対象企業・組織

  • American Express
  • China UnionPay
  • Discover
  • ジェーシービー
  • MasterCard
  • Visa
  • Financial Fraud Action UK
  • Observatory for Payment Card Security of the French Central Bank
  • Australian Payments Clearing Association
  • South Africa Banking Risk Information Centre

分析のハイライト

  • 世界の決済カード詐欺の概況、および主要国 (英国・フランス・オーストラリア・南アフリカ) の詳細統計データ
  • 決済カード業界および他の組織の、カード詐欺に対する取り組み (オンライン/オフライン共)
目次

The consumer use electronic payment forms like payment cards continues to grow robustly around the world with both mature and developing markets experiencing increased use of cards year over year at both the physical point of sale and online. While much of the global payments industry benefits from this increased use of electronic payments, the downside of this growth has been the rebound of fraud losses despite the industry's best efforts to minimize consumer exposure.

Industry efforts to reduce fraud exposure through certain payment technologies have resulted in sharp declines in certain types of payment fraud. For example, the smart chip embedded in EMV cards to store and protect cardholder data thwarts counterfeit card fraud. However, changing consumer trends, particularly the growth of card-not-present (CNP) transactions online has left the industry somewhat exposed, and as a result global fraud losses are once again on the rise.

Mercator Advisory Group's research report, Global Payment Card Fraud Trends and Statistics, examines global payment card fraud by examining fraud statistics and initiatives in four selected countries: the United Kingdom, France, Australia, and South Africa. The report discusses overall fraud rates on domestically issued cards and shows the rate by type of fraud, including counterfeit card, lost/stolen card, card ID theft, mail non-received, and card-not-present fraud.

"While the future of the payments industry is hard to predict, one certainty is that cybercriminals will continue their attacks on consumers, businesses, and financial institutions via the payment channels available today. Although the payments industry may not be able to end all types of payment fraud, it continues to evolve new fraud deterrents and become better equipped to tackle criminal attacks. The hope is that with the creation of new security technologies like tokenization, the industry can begin to play offense rather than always having to play defense against payment fraud attacks," comments Tristan Hugo-Webb, Associate Director, Global Payments Advisory Service at Mercator Advisory Group and the primary author of the research.

This report contains 21 pages and 10 exhibits.

Organizations mentioned in this report include: American Express, China UnionPay, Discover, JCB, MasterCard, Visa, Financial Fraud Action UK, Observatory for Payment Card Security of the French Central Bank, Australian Payments Clearing Association, and South Africa Banking Risk Information Centre.

Members of Mercator Advisory Group's Global Payments Advisory Service have access to these reports as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

One of the exhibits included in this report:

image1

Highlights of the report include:

  • Overview of global payment card fraud statistics as well as an in-depth look at statistics from the United Kingdom, France, Australia, and South Africa.
  • A review of payments industry and other organizations' initiatives to combat payment card fraud at both the physical point of sale and online.
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