New FICO Survey: Consumers Will Switch Banks If Fraud Prevention Expectations Are Not Met
A new FICO global survey reveals increasing concerns about real-time payment (RTP) scams, with 56% of consumers reporting family and friends as victims in 2024, up from 51% in 2023. The study highlights that 50% of consumers want banks to improve their fraud detection systems, while 65% believe banks should reimburse scam victims for losses.
Regional variations show scam impacts differ, with Latin America reporting the highest rate at 69%, followed by Asia-Pacific at 56%, Europe at 48%, and North America at 47%. Customer retention is at stake, with 13% of consumers globally considering switching banks if dissatisfied with scam management. The survey also found that 73% of consumers would view their banks positively if they prevented suspicious RTP transactions.
Un nuovo sondaggio globale FICO rivela una crescente preoccupazione riguardo alle truffe nei pagamenti in tempo reale (RTP), con il 56% dei consumatori che riporta amici e familiari come vittime nel 2024, in aumento rispetto al 51% nel 2023. Lo studio evidenzia che il 50% dei consumatori desidera che le banche migliorino i loro sistemi di rilevamento delle frodi, mentre il 65% ritiene che le banche dovrebbero rimborsare le vittime delle truffe per le perdite subite.
Le variazioni regionali mostrano che gli impatti delle truffe differiscono, con l'America Latina che riporta il tasso più alto al 69%, seguita dall'Asia-Pacifico al 56%, dall'Europa al 48% e dal Nord America al 47%. La retention dei clienti è a rischio, con il 13% dei consumatori a livello globale che considera di cambiare banca se insoddisfatti nella gestione delle truffe. Il sondaggio ha anche trovato che il 73% dei consumatori valuterebbe positivamente le proprie banche se esse prevenissero transazioni RTP sospette.
Una nueva encuesta global de FICO revela una creciente preocupación por las estafas en los pagos en tiempo real (RTP), con el 56% de los consumidores informando que familiares y amigos han sido víctimas en 2024, un aumento respecto al 51% en 2023. El estudio destaca que el 50% de los consumidores quiere que los bancos mejoren sus sistemas de detección de fraudes, mientras que el 65% cree que los bancos deberían reembolsar a las víctimas de estafas por las pérdidas.
Las variaciones regionales muestran que los impactos de las estafas son diferentes, con América Latina reportando la tasa más alta del 69%, seguida de Asia-Pacífico con un 56%, Europa con un 48% y América del Norte con un 47%. La retención de clientes está en juego, con el 13% de los consumidores a nivel mundial considerando cambiar de banco si están insatisfechos con la gestión de estafas. La encuesta también descubrió que el 73% de los consumidores vería a sus bancos de manera positiva si evitaran transacciones RTP sospechosas.
새로운 FICO 글로벌 설문조사에 따르면 실시간 결제(RTP) 사기에 대한 우려가 증가하고 있으며, 2024년에는 소비자의 56%가 가족 및 친구가 피해자였다고 보고하고 있습니다. 이는 2023년의 51%에서 증가한 수치입니다. 이 연구는 50%의 소비자가 은행이 사기 탐지 시스템을 개선하기를 원하며, 65%는 은행이 사기 피해자에게 손실을 보상해야 한다고 믿고 있음을 강조합니다.
지역별로 사기의 영향은 다르며, 라틴 아메리카에서 가장 높은 비율인 69%를 기록했고, 아시아 태평양은 56%, 유럽은 48%, 북미는 47%로 나타났습니다. 고객 유지는 위협받고 있으며, 전 세계적으로 13%의 소비자가 사기 관리에 불만족할 경우 은행을 변경할 것을 고려하고 있습니다. 조사 결과, 소비자의 73%는 은행이 의심스러운 RTP 거래를 방지한다면 긍정적으로 평가할 것이라고 밝혔습니다.
enquête mondiale FICO révèle une inquiétude croissante concernant les escroqueries aux paiements en temps réel (RTP), avec 56 % des consommateurs signalant des amis et des membres de leur famille comme victimes en 2024, contre 51 % en 2023. L'étude souligne que 50 % des consommateurs souhaitent que les banques améliorent leurs systèmes de détection des fraudes, tandis que 65 % estiment que les banques devraient indemniser les victimes d'escroqueries pour leurs pertes.
Les variations régionales montrent que l'impact des escroqueries diffère, l'Amérique latine affichant le taux le plus élevé à 69 %, suivie de l'Asie-Pacifique à 56 %, de l'Europe à 48 % et de l'Amérique du Nord à 47 %. La fidélisation des clients est en jeu, avec 13 % des consommateurs dans le monde envisagés de changer de banque s'ils sont insatisfaits de la gestion des escroqueries. L'enquête a également révélé que 73 % des consommateurs verraient leurs banques de manière positive si elles empêchaient les transactions RTP suspectes.
Eine neue FICO-Umfrage zeigt, dass die Bedenken hinsichtlich Betrügereien bei Echtzeit-Zahlungen (RTP) zunehmen. 2024 berichten 56% der Verbraucher von Familienangehörigen und Freunden als Opfern, ein Anstieg von 51% im Jahr 2023. Die Studie hebt hervor, dass 50% der Verbraucher möchten, dass Banken ihre Betrugserkennungssysteme verbessern, während 65% der Ansicht sind, dass Banken Betrugsopfer für ihre Verluste entschädigen sollten.
Regionale Unterschiede zeigen, dass die Auswirkungen von Betrug variieren, wobei Lateinamerika die höchste Rate mit 69% und gefolgt von Asien-Pazifik mit 56%, Europa mit 48% und Nordamerika mit 47% berichtet. Die Kundenbindung steht auf dem Spiel, da 13% der Verbraucher weltweit in Erwägung ziehen, die Bank zu wechseln, wenn sie mit dem Betrugsmanagement unzufrieden sind. Die Umfrage ergab zudem, dass 73% der Verbraucher ihre Banken positiv bewerten würden, wenn sie verdächtige RTP-Transaktionen verhindern würden.
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Global survey shows that real-time-payments (RTP) usage and scams are growing both in frequency and value of loss worldwide
Highlights:
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A new global FICO survey finds that more consumers reported that their family and friends have been victims of real-time payment scams in 2024 (
56% ) versus 2023 (51% ). -
50% of consumers call for their banks to “have better fraud detection systems” as the top action needed to protect them from scams. -
65% of consumers across the globe say that banks should be required to reimburse scams victims for their losses.
Global analytics software leader, FICO, released new research regarding consumers’ increased use of real-time-payments (RTP), leading to higher reported scams threats and an increase in losses. 2024 marks the second annual Global Scams Impact Survey, showcasing findings and trends from tens of thousands of consumers across the globe, including 1,000 from
Overall, consumers around the globe report that with the increase of scams, they have higher expectations for fraud prevention at banks. Banks need to remain competitive in fighting fraud and providing consumers with excellent customer experiences.
“Consumers are asking for banks to do a better job at identifying scams,” said Debbie Cobb, vice president of fraud product management at FICO. “Banks need to prioritize guarding their customers from scams with fraud detection technology that can keep up with the ever-changing landscape, as well as offering educational resources on how consumers can best protect themselves. The survey found that although most consumers globally (
Consumers have higher expectations for fraud prevention at banks
The survey shows that more consumers globally in 2024 reported that their family and friends have been victims of RTP scams than in 2023.
The survey finds that globally,
Consumers want banks to reimburse scams losses
Consumers will take a series of actions that are costly to banks when they experience scams. Customer churn is one of the most significant risks, as
Reimbursement liability is another significant consideration, as
For banks, transactional monitoring models with built-in scam and fraud scores can help prevent fraud impacts. As consumers continue to embrace RTP, it is essential for banks to give consumers the best experience with the least potential impact from fraud. For more details and insights regarding the survey results:
- Download the Global Scams Impact Survey Whitepaper
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For
USA findings specifically, download the 2024 Scams Impact Survey:USA eBook
For more information on FICO fraud solutions, visit https://www.fico.com/en/solutions/fraud-protection-and-compliance.
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 four billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by
Learn more at https://www.fico.com/en.
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View source version on businesswire.com: https://www.businesswire.com/news/home/20241113954768/en/
Julie Huang
press@fico.com
Source: FICO
FAQ
What percentage of consumers reported RTP scam victims in FICO's 2024 survey compared to 2023?
How many consumers would switch banks due to poor scam management according to FICO's 2024 survey?
What percentage of consumers want banks to reimburse scam losses according to FICO's 2024 survey?
Which region reported the highest percentage of RTP scam victims in FICO's 2024 survey?
