8 out of 10 Spanish Consumers Have Received Scam Attempts
FICO's latest survey reveals that 80% of Spanish consumers have received potential scam attempts, up 4% from last year. The study shows an increase in real-time payment (RTP) scams, with 7% of victims losing over €5,000 in 2024, compared to 4% in 2023. Despite this, Spanish consumers show better response to bank warnings, with only 7% proceeding with payments after being warned (versus 14% global average).
The survey indicates that 93% of Spanish consumers use RTP, with 40% considering it more secure than credit cards. While 44% of consumers accept responsibility for falling victim to scams, they believe banks share some responsibility. Notably, 73% think banks should refund scam victims always or most of the time. Customer satisfaction with bank scam resolution remains high at 74%, though 16% would switch banks if unhappy with scam incident management.
L'ultimo sondaggio di FICO rivela che l'80% dei consumatori spagnoli ha ricevuto tentativi di truffa, in aumento del 4% rispetto allo scorso anno. Lo studio mostra un incremento delle truffe ai pagamenti in tempo reale (RTP), con il 7% delle vittime che ha perso oltre €5.000 nel 2024, rispetto al 4% nel 2023. Nonostante ciò, i consumatori spagnoli mostrano una migliore risposta agli avvertimenti delle banche, con solo il 7% che procede ai pagamenti dopo essere stato avvisato (rispetto a una media globale del 14%).
Il sondaggio indica che il 93% dei consumatori spagnoli utilizza RTP, con il 40% che lo considera più sicuro delle carte di credito. Anche se il 44% dei consumatori si assume la responsabilità di essere caduti vittima di truffe, ritengono che le banche condividano una certa responsabilità. È interessante notare che il 73% pensa che le banche dovrebbero rimborsare sempre o nella maggior parte dei casi le vittime di truffe. La soddisfazione dei clienti riguardo alla risoluzione delle truffe da parte delle banche rimane alta al 74%, anche se il 16% cambierebbe banca se insoddisfatto della gestione degli incidenti legati alle truffe.
La última encuesta de FICO revela que el 80% de los consumidores españoles ha recibido intentos de estafa, un aumento del 4% con respecto al año pasado. El estudio muestra un incremento en las estafas de pago en tiempo real (RTP), con el 7% de las víctimas perdiendo más de €5,000 en 2024, en comparación con el 4% en 2023. A pesar de esto, los consumidores españoles muestran una mejor respuesta a las advertencias bancarias, con solo el 7% que procede con los pagos después de ser advertidos (frente a una media global del 14%).
La encuesta indica que el 93% de los consumidores españoles utiliza RTP, con un 40% considerándolo más seguro que las tarjetas de crédito. Aunque el 44% de los consumidores acepta la responsabilidad de haber caído en una estafa, creen que los bancos comparten parte de la responsabilidad. Notablemente, el 73% piensa que los bancos deberían reembolsar siempre o la mayor parte del tiempo a las víctimas de estafas. La satisfacción del cliente con la resolución de estafas por parte de los bancos sigue siendo alta, con un 74%, aunque el 16% cambiaría de banco si no estuviera satisfecho con la gestión de incidentes relacionados con estafas.
FICO의 최신 설문조사에 따르면, 스페인 소비자의 80%가 사기 시도의 잠재적인 위협을 경험했으며, 이는 작년보다 4% 증가한 수치입니다. 연구 결과, 실시간 결제(RTP) 사기가 증가하고 있으며, 2024년에는 피해자의 7%가 €5,000 이상을 잃는 것으로 나타났습니다. 이는 2023년의 4%와 비교됩니다. 그럼에도 불구하고 스페인 소비자들은 은행의 경고에 대해 더 나은 반응을 보이며, 경고를 받은 후 결제를 진행하는 비율은 7%에 불과합니다(글로벌 평균 14%와 비교).
설문조사는 스페인 소비자의 93%가 RTP를 사용하고 있으며, 40%는 이를 신용카드보다 더 안전하다고 생각한다고 나타났습니다. 소비자의 44%는 사기의 피해자로 전락할 책임을 인정하지만, 은행들도 일부 책임이 있다고 믿고 있습니다. 특히, 73%는 은행이 사기 피해자에게 항상 또는 대부분의 경우 환불해야 한다고 생각합니다. 은행의 사기 해결에 대한 고객 만족도는 74%로 여전히 높지만, 16%는 사기 사건 처리에 불만족할 경우 은행을 변경할 의향이 있습니다.
La dernière enquête de FICO révèle que 80% des consommateurs espagnols ont reçu des tentatives de fraude potentielles, soit une augmentation de 4% par rapport à l'année dernière. L'étude montre une augmentation des escroqueries liées aux paiements en temps réel (RTP), avec 7% des victimes perdant plus de 5 000 € en 2024, contre 4% en 2023. Malgré cela, les consommateurs espagnols montrent une meilleure réaction aux avertissements bancaires, avec seulement 7% poursuivant les paiements après avoir été avertis (contre une moyenne mondiale de 14%).
L'enquête indique que 93% des consommateurs espagnols utilisent RTP, 40% le considérant plus sûr que les cartes de crédit. Bien que 44% des consommateurs acceptent la responsabilité d'être tombés victimes d'escroqueries, ils estiment que les banques partagent une partie de cette responsabilité. Il est notable que 73% pensent que les banques devraient toujours ou souvent rembourser les victimes de fraude. La satisfaction des clients concernant la résolution des escroqueries par les banques reste élevée à 74%, bien que 16% changeraient de banque s'ils n'étaient pas satisfaits de la gestion des incidents liés aux escroqueries.
Die neueste Umfrage von FICO zeigt, dass 80% der spanischen Verbraucher potenzielle Betrugsversuche erhalten haben, ein Anstieg von 4% im Vergleich zum Vorjahr. Die Studie zeigt einen Anstieg bei den Betrügereien im Zusammenhang mit Echtzeit-Zahlungen (RTP), wobei 7% der Opfer im Jahr 2024 mehr als 5.000 € verloren haben, verglichen mit 4% im Jahr 2023. Trotz dessen zeigen spanische Verbraucher eine bessere Reaktion auf Bankwarnungen, wobei nur 7% nach einer Warnung mit Zahlungen fortfahren (im Vergleich zu einem globalen Durchschnitt von 14%).
Die Umfrage zeigt, dass 93% der spanischen Verbraucher RTP nutzen, und 40% halten es für sicherer als Kreditkarten. Während 44% der Verbraucher die Verantwortung für die Fallstricke von Betrügereien übernehmen, glauben sie, dass die Banken eine gewisse Verantwortung teilen. Bemerkenswerterweise sind 73% der Meinung, dass Banken Betrugsopfer immer oder meistens erstatten sollten. Die Kundenzufriedenheit mit der Betrugsbewältigung durch Banken bleibt mit 74% hoch, obwohl 16% die Bank wechseln würden, wenn sie mit der Bearbeitung von Betrugsfällen unzufrieden sind.
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More people are reporting losses in 2024 from real-time payments made to scammers, with
Highlights:
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Even though they were warned of the scam by their banks,
7% of Spanish consumers still sent real-time payments to scammers (versus the14% global average). -
7% of victims were scammed for more than€5,000 , up from4% in 2023.
More information: https://www.fico.com/es/latest-thinking/ebook/2024-scams-impact-survey-spain-spanish
According to FICO’s research, scams related to RTP are on the rise in
However, Spanish consumers’ above-average willingness to heed scam warnings and not send payments after being warned is good news for both consumers and banks. Actually,
Furthermore, just
“Real-time payments have become much more commonplace in Spain,” said Miguel Carrilho, senior consultant at FICO in EMEA. “Our research shows that
Consumers and Banks Share Responsibility When Scams Occur
Though
In 2024,
“The best way to avoid the risk, liability, and loss of reputation that scams can create is to prevent them from happening in the first place,” said Carrilho. “Banks play a crucial role in identifying and intervening in scam transactions. By providing scam detection and immediate communication through each customer’s preferred channel, banks can deliver the scam defences that customers want and expect to see.”
Spanish consumers have a variety of channel preferences for scam notifications.
“The bottom line for banks in
Not protecting clients from scam may result in high churn rates
When consumers are unhappy with their bank’s response to a scam incident, most will take actions that cost the bank time, money, and potentially the customer relationship itself. The big risk to banks is that
Above all, Spanish consumers want their banks to deploy better fraud detection systems:
“By incorporating scam-specific analysis, scoring, and customer outreach for individual transactions, banks can provide proactive warnings along with automated actions to alert and inform customers,” Carrilho said. “Notifying a consumer in the heat of the moment that their transaction may be associated with a scam can help to break the scammers’ spell.”
For more information, see the full report on the scam survey in
Methodology
The data referenced here derives from two surveys FICO conducted in 2023 and 2024. Each survey asked more than 12,000 consumers across 14 countries their opinions and experiences regarding RTP usage, scams, and their banks’ scam management capabilities. When year-over-year comparisons are made, they are referring to a comparison of these two surveys that asked the same question in each year the survey was conducted.
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by
Learn more at http://www.fico.com.
Join the conversation at https://x.com/FICO_corp & http://www.fico.com/en/blogs/.
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FICO is a registered trademark of Fair Isaac Corporation in the
View source version on businesswire.com: https://www.businesswire.com/news/home/20241120655806/en/
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Source: FICO
FAQ
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