特集 : 国別レポートが13,000件から検索可能になりました!

特集 : 海外市場の委託調査がセミカスタムベースでお手軽にできます

株式会社グローバルインフォメーション
TEL: 044-952-0102
表紙
市場調査レポート

クレジットカード紛争管理:数十億件の取引件数と数百万件の紛争事例

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

発行 Mercator Advisory Group, Inc. 商品コード 751627
出版日 ページ情報 英文 21 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=106.61円で換算しております。
クレジットカード紛争管理:数十億件の取引件数と数百万件の紛争事例 Credit Card Dispute Management: Transactions in the Billions Bring Exceptions in the Millions
出版日: 2018年11月30日 ページ情報: 英文 21 Pages
概要

MastercardやVisaといったブランドネットワークの決済システムでは数兆ドル、数十億件の取引が行われていますが、その中のほんの一部が決済上の紛争のもととなっています。カードの不正使用、不良商品、誤請求などの問題のあるこれらの取引は、取引件数の0.04%を占めると推計されています。

当レポートでは、法規制要件を越えた決済ネットワークプロセスの強化の動向を調査し、クレジットカードの取引件数・取引額の予測、カード詐欺による損失額、紛争管理の戦略的ツール化、顧客・イシュアー・加盟店の満足度向上に向けた決済技術企業の取り組みなどをまとめています。

調査ハイライト

  • プロセス改善のための決済技術の開発
  • 戦略的ツールとしての紛争管理
  • 取引件数・取引額の予測
  • カード詐欺による損失額:タイプ別
  • 主要技術企業による付加価値

掲載企業

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

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