Nearly One in Five Consumers Struck by Online Identity Fraud, According to ACI Worldwide Speedpay Pulse Report
ACI Worldwide's 2024 Speedpay Pulse Report reveals a surge in digital payment preferences, with 77% of Americans now favoring digital bill payments. However, this trend comes with increased risks, as 18.7% of consumers report falling victim to online identity theft. The report highlights a significant shift towards mobile payments, especially among Gen Z and Millennials.
Key findings include:
- 26% prefer mobile over website payments
- Two in five identity theft victims had accounts opened in their name
- 29% of consumers rarely change passwords unless prompted by billers
- Almost 50% believe companies don't properly educate them on data security
- 34% avoid debt collector communications due to scam fears
The report suggests billers have an opportunity to enhance payment capabilities with AI-powered fraud management solutions and increase fraud awareness education to create a secure customer experience.
Il Rapporto Speedpay Pulse 2024 di ACI Worldwide rivela un aumento delle preferenze per i pagamenti digitali, con il 77% degli americani che ora preferisce i pagamenti delle bollette digitali. Tuttavia, questa tendenza comporta rischi maggiori, poiché il 18,7% dei consumatori riporta di essere stato vittima di furti di identità online. Il rapporto evidenzia un cambiamento significativo verso i pagamenti mobili, in particolare tra la Gen Z e i Millennials.
I principali risultati includono:
- Il 26% preferisce pagamenti tramite mobile anziché tramite sito web
- Due vittime su cinque di furto d'identità avevano conti aperti a loro nome
- Il 29% dei consumatori cambia raramente le password a meno che non venga sollecitato dai fornitori
- Quasi il 50% crede che le aziende non li informino adeguatamente sulla sicurezza dei dati
- Il 34% evita le comunicazioni con i recuperatori crediti per paura delle truffe
Il rapporto suggerisce che i fornitori di bollette hanno l'opportunità di migliorare le capacità di pagamento tramite soluzioni di gestione delle frodi alimentate dall'IA e aumentare l'educazione sulla consapevolezza delle frodi per creare un'esperienza cliente sicura.
El Informe Speedpay Pulse 2024 de ACI Worldwide revela un aumento en las preferencias de pagos digitales, con el 77% de los estadounidenses ahora prefiriendo los pagos de facturas digitales. Sin embargo, esta tendencia viene acompañada de mayores riesgos, ya que el 18,7% de los consumidores informa haber sido víctima de robo de identidad en línea. El informe destaca un cambio significativo hacia los pagos móviles, especialmente entre la Generación Z y los Millennials.
Los hallazgos clave incluyen:
- El 26% prefiere pagos móviles en lugar de pagos en el sitio web
- Dos de cada cinco víctimas de robo de identidad tenían cuentas abiertas a su nombre
- El 29% de los consumidores rara vez cambia sus contraseñas a menos que lo soliciten los proveedores
- Casi el 50% cree que las empresas no los educan adecuadamente sobre la seguridad de los datos
- El 34% evita las comunicaciones de los cobradores de deudas por miedo a las estafas
El informe sugiere que los proveedores de facturas tienen la oportunidad de mejorar las capacidades de pago con soluciones de gestión de fraude impulsadas por IA y aumentar la educación sobre la concienciación sobre fraudes para crear una experiencia segura para el cliente.
ACI Worldwide의 2024 Speedpay Pulse 보고서는 디지털 결제 선호도가 급증하고 있음을 보여주며, 현재 미국인의 77%가 디지털 청구서 결제를 선호하고 있습니다. 그러나 이러한 추세는 위험이 증가함에 따라 소비자의 18.7%가 온라인 신원 도용의 피해를 입었다고 보고합니다. 이 보고서는 특히 Z세대와 밀레니얼 세대 사이에서 모바일 결제로의 중요한 전환을 강조합니다.
주요 결과에는 다음이 포함됩니다:
- 26%는 웹사이트 결제보다 모바일 결제를 선호합니다
- 신원 도용 피해자의 두 명 중 한 명은 자신의 이름으로 계좌가 개설되었습니다
- 소비자의 29%는 청구자에 의해 요청되지 않는 한 비밀번호를 거의 변경하지 않습니다
- 거의 50%는 기업이 데이터 보안에 대해 제대로 교육하지 않는다고 생각합니다
- 34%는 사기 우려 때문에 채권 추심자와의 소통을 피합니다
보고서는 청구자가 AI 기반의 사기 관리 솔루션을 통해 결제 기능을 강화하고 사기 인식 교육을 증가시켜 안전한 고객 경험을 창출할 수 있는 기회가 있다고 제안합니다.
Le Rapport Speedpay Pulse 2024 d'ACI Worldwide révèle une augmentation des préférences pour les paiements numériques, avec 77 % des Américains préférant désormais les paiements de factures numériques. Cependant, cette tendance s'accompagne de risques accrus, puisque 18,7 % des consommateurs déclarent avoir été victimes de vol d'identité en ligne. Le rapport met en lumière un changement significatif vers les paiements mobiles, en particulier parmi la Génération Z et les Millennials.
Les principales conclusions incluent :
- 26 % préfèrent les paiements mobiles par rapport aux paiements par site web
- Deux victimes sur cinq de vol d'identité avaient des comptes ouverts à leur nom
- 29 % des consommateurs changent rarement de mot de passe à moins d'y être invités par les facturiers
- Près de 50 % pensent que les entreprises ne les éduquent pas correctement sur la sécurité des données
- 34 % évitent les communications avec les agences de recouvrement par crainte des escroqueries
Le rapport suggère que les facturiers ont l'opportunité d'améliorer les capacités de paiement avec des solutions de gestion de fraude alimentées par l'IA et d'augmenter la sensibilisation à la fraude pour créer une expérience client sécurisée.
Der Speedpay Pulse Report 2024 von ACI Worldwide zeigt einen Anstieg der Präferenzen für digitale Zahlungen, wobei 77 % der Amerikaner jetzt digitale Rechnungszahlungen bevorzugen. Diese Tendenz geht jedoch mit erhöhten Risiken einher, da 18,7 % der Verbraucher berichten, Opfer von Online-Identitätsdiebstahl geworden zu sein. Der Bericht hebt einen signifikanten Wandel hin zu mobilen Zahlungen hervor, insbesondere bei der Generation Z und den Millennials.
Wesentliche Ergebnisse sind:
- 26 % bevorzugen mobile Zahlungen gegenüber Zahlungen über die Website
- Zwei von fünf Opfern von Identitätsdiebstahl hatten Konten, die auf ihren Namen eröffnet wurden
- 29 % der Verbraucher ändern ihre Passwörter selten, es sei denn, sie werden von den Rechnungsstellern dazu aufgefordert
- Fast 50 % glauben, dass Unternehmen sie nicht angemessen über Datensicherheit informieren
- 34 % vermeiden die Kommunikation mit Inkassobüros aufgrund von Betrugsängsten
Der Bericht legt nahe, dass Rechnungssteller die Möglichkeit haben, die Zahlungsfähigkeiten mit KI-unterstützten Betrugsmanagementlösungen zu verbessern und die Betrugsbewusstseinsschulung zu erhöhen, um ein sicheres Kundenerlebnis zu schaffen.
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Consumers turning to billers to safeguard their data as threat of digital payments fraud escalates
ACI’s annual Speedpay Pulse research report looks at consumer billing and payment trends, providing billers with insights and practical advice to capitalize on emerging trends and address threats impacting their business. This year’s report, now in its 7th edition, includes new survey questions to reflect the rapid proliferation of digital communications and payment channels, shedding light on the concurrent increase in digital identity and payments fraud.
"The surge in digital payments adoption presents promising growth opportunities for billers, but the threats of online identity theft and other risks continue to burden consumers," said Ron Shultz, General Manager of ACI Speedpay. “This creates a prime opportunity for billers to enhance their payment capabilities with advanced, AI-powered fraud management solutions and double down on fraud awareness education to create a differentiated and secure customer experience."
Key Report Insights
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77% of Americans now prefer to pay their bills digitally, with26% displaying a preference for mobile over website. The shift to mobile is primarily driven by biller and bank mobile apps and digital wallets like Apple Pay and Google Pay. -
18.7% report falling victim to online identity theft, with two in five reporting that an incident resulted in accounts being opened in their name. - More than one-third of consumers believe their data is less secure than it was five years ago, a figure that has increased steadily.
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29% of the consumers who rarely change passwords only do so when prompted by billers, highlighting the need for increased biller outreach and education. -
Almost
50% of consumers surveyed do not believe that companies properly educate them on how to keep their data secure, an increase from 2023. -
Consumers’ fear of scams is making debt collection harder;
34% of those surveyed said they avoid communications from debt collectors. Billers can replace debt collectors with virtual agents to create a secure, non-intrusive, and efficient debt collection platform.
For more insights into billing and payment trends, click here to download the report, or visit https://www.aciworldwide.com/solutions/aci-speedpay.
About ACI Speedpay Pulse Methodology
The ACI Speedpay Pulse is a longitudinal consumer billing and payment trends research study conducted by ACI Worldwide. Each ACI Speedpay Pulse data set includes responses from a survey of at least 3,000 unique respondents (no repeat participation within a one-year period). Each survey sample is
About ACI Worldwide
ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With nearly 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.
© Copyright ACI Worldwide, Inc. 2024
ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay, and all ACI product/solution names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in
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Media
Nick Karoglou | Head of Communications and Corporate Affairs | nick.karoglou@aciworldwide.com
Source: ACI Worldwide
FAQ
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