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Eコマースセキュリティの競合技術

Securing E-Commerce: Competing Technology Crowds the Market

発行 Mercator Advisory Group, Inc. 商品コード 834436
出版日 ページ情報 英文 30 Pages, 10 Exhibits
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。
Eコマースセキュリティの競合技術 Securing E-Commerce: Competing Technology Crowds the Market
出版日: 2019年02月12日 ページ情報: 英文 30 Pages, 10 Exhibits
概要

Eコマースの成長は、クレジットカード会社、加盟店、銀行、ベンチャーキャピタリストからの数十億ドルの投資を呼び込んでいますが、Eコマース、特にMコマース利用の増大にもかかわらず、不正利用を未然に防ぐための投資は行われていません。カードを使用しないCNP取引の増加とともに、取引辞退、チャージバック、ボット攻撃、詐欺行為が急増しています。

当レポートでは、Eコマースのための各種セキュリティ技術を調査し、Eコマースにおける不正取引の現状、セキュリティ確保のための選択肢、EMVCoコンソーシアムの取り組み、主要セキュリティソリューションのレビューなどをまとめています。

調査ハイライト

  • 現在の技術の評価
    • CP決済:EMVCoコンソーシアム6社による技術・専門性の共有
    • EMVカードリーダーを導入した加盟店における不正取引額の減少
  • EMVCoのeコマースセキュリティに向けた取り組み
    • EMVCoのEコマースセキュリティソリューション:現在は機能していない
    • アップデート・改善準備中
  • 各種セキュリティソリューションのレビュー
    • W3C
    • デジタルアイデンティティ
目次

Competing technology crowds e-commerce security market.

Mercator Advisory Group evaluates the current and future state of e-commerce security and finds promise and peril in new technology.

The growth of e-commerce has commanded billions of dollars in investments from credit card companies, merchants, banks, and venture capitalists. This future however, has gone relatively unsecured. Despite usage spikes for e-commerce and especially mobile commerce, no amount of investment has yet corralled e-commerce fraud. The rise of card-not-present transactions has been paralleled by spikes in declined transactions, chargebacks, bot attacks, and fraudulent transactions. A new research report from Mercator Advisory Group titled “Securing E-Commerce: Competing Technology Crowds the Market” details the nature of the current state of e-commerce fraud, the options for securing it in the short and long term, and some scenarios for e-commerce security. The report makes the case that the EMVCo consortium and other potential technology entrants need to plan for a more sensibly sustained roll-out of technologies that consider merchants and banks more formidably in the process of fighting e-commerce fraud.

“The gauntlet has been thrown for 2019 for securing e-commerce. While the industry tries to solve e-commerce security issues, in many senses it is getting in its own way. EMVco, which has made strides in card-present fraud, is preparing new technologies for e-commerce. The most promising of these is 3-D Secure, version 2.0 (3DS2), an upgrade of current authentication technology, which is a significant upgrade over the original protocol 3-D Secure (3DS) from the global card network consortium EMVCo that could impact e-commerce and m-commerce fraud frequency and the negative costs associated with it. Yet, credit card companies are preparing a more aggressive upgrade called Secure Remote Commerce on its heels. Banks and merchants will have a stake in securing e-commerce, but may be confused by rapid-fire roll-outs from EMVco,” comments the author of the report, Tim Sloane, Vice President, Payments Innovation, and Director, Emerging Technologies Advisory Service, at Mercator Advisory Group.

This research report has 30 pages and 10 exhibits.

Companies and other organizations mentioned in this report include: ACI, Adyen, Alibaba, Amazon, American Express, Apple, AsiaPay, BarclayCard, Best Innovation Group, Cardinal Commerce, Cisco, CULedger, Decentralised Identity Foundation, Discover, eBay, EMVCo, Evernym, Facebook, Federal Reserve Bank of Minneapolis, First Data Corporation, Fiserv, Google, Government of British Columbia, Government of Ontario, InAuth, IBM, International Airlines Group, JCB, Linux Foundation, Lloyds Bank, Kount, Mastercard, Microsoft, Mozilla Foundation, National Institute of Standards and Technology (NIST), Novartis, NuData, PayPal, Protegrity, Royal Credit Union, SITA, Sovrin Foundation, Square, Stripe, TokenEx, Tencent, ThreatMetrix, TSYS, UnionPay, Veridium, Visa, Worldpay, and The World Wide Web Consortium (W3C).

One of the exhibits included in this report:

Highlights of the research report include:

  • Assessment of current technology. For physical retail, securing payments has been a case study in corporate cooperation and developing technology. Unfortunately, the same cannot be said about e-commerce. For card-present transactions, the EMVCo consortium of six companies (American Express, Discover, JCB, Mastercard, UnionPay, and Visa) has shared technology and expertise to solve a crisis that threatens its future growth: payment fraud. In just over five years, EMVCo has produced dramatic results toward securing card-present payments with its chip and PIN technology. Since launching in October 2015, merchants that have installed the EMV card readers at the point of sale have seen a 75% drop in fraudulent charges, compared to a 46% drop for all U.S. merchants. U.S. market share leader Visa says that 97% of all U.S. payment volume ran through EMV cards during the month of June 2018.
  • EMVCo's efforts toward securing e-commerce. 3-D Secure, the e-commerce security solution introduced by EMVCo is not working. The consortium is preparing an update and overhaul of this technology under tremendous pressure from credit card companies, banks, merchants, acquirers, and processors. For traditional banks and emerging financial technology companies, the stakes are high.
  • A review of security solutions. A review of the background that has made tokenization the leading candidate to make a significant impact in e-commerce fraud and a look at the two new technologies that could change the game: W3C and digital identity.