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市场调查报告书
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1524179

诈欺侦测与预防：市场占有率分析、产业趋势与成长预测（2024-2029）

Fraud Detection And Prevention - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3个工作天内

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简介目录

诈欺侦测和预防市场规模预计到 2024 年为 478.9 亿美元，到 2029 年将达到 1,266.9 亿美元，在市场估计和预测期间（2024-2029 年）复合年增长率为 21.48%。

诈欺检测与预防市场

诈欺侦测通常是公司损失预防策略的核心要素，在某些情况下，是组织更广泛的反洗钱 (AML) 合规工作的一部分。当诈欺检测和相关功能被纳入更广泛的 AML 环境中时，两者的组合有时被称为「诈欺和洗钱防制」或「FRAML」。

*诈欺侦测透过在诈欺活动发生之前或发生时发现诈欺活动，帮助企业保护客户交易和帐户。根据 FBI 预测，到 2022 年，美国老年人平均每人将遭受超过 35,101 美元的诈骗，导致整体损失超过 30 亿美元。 2021 年，全球诈骗损失超过 550 亿美元，科技正在使非法资金跨境流动。

*此外，到 2023 年，合成身分诈骗预计会对美国金融机构造成 200 亿美元的损失。随着世界变得数位化，诈骗不断改进其方法，企业需要改进诈骗防护，以保护其资产和客户免受诈骗。

*随着诈骗类型变得更加多样化和复杂，如果加强监管和执法，合规要求将受到全面影响。儘管今天可能不会直接要求公司这样做，但诈欺是洗钱的先决条件，并可能导致更广泛的犯罪网络。将诈欺纳入整体风险管理策略可以改善消费者保护、合规性、损失控制和金融犯罪预防。

*根据客户期望提高每个行业的诈欺效率。各行业的诈欺包括卡片付款诈欺、医疗报销诈欺、资料异常、可疑活动、洗钱和各种交易风险。

*由于系统和诈欺工具不同，很难涵盖所有防线并整体情况了解风险暴露。此外，它可能会导致糟糕的客户体验。当消费者依赖多个供应商跨不同管道进行不同类型的诈欺侦测时，很难实施一致、整合的方法和适当的风险平衡。预计这将抑制市场成长。

*但是，我们正在投资改善诈欺基础设施和预防控制框架。企业正在将机器学习和自动警报生成与行为分析相结合，以更好地防止不良行为者访问其网路。特别是，透过使用机器学习和行为分析来识别诈欺模式，可以製定适应最新诈欺趋势的灵活预防措施。诈欺培训和意识可以加强公司的预防策略并协助打击诈欺。因此，由于诈欺检测解决方案投资即将扩大，预计市场在预测期内将成长。

诈欺检测和预防市场的趋势

BFSI 产业成为最大的最终用户产业

  • BFSI 产业的诈欺已经发展了数十年。以前仅限于诈骗和电汇诈骗，网路领域的发展以及由此产生的网路犯罪领域的扩张已呈现出更虚拟的形式。
  • 随着科技的日益普及，网路银行和手机银行等数位管道成为客户获取银行服务的重要选择，这使得使用防诈骗解决方案成为银行的迫切需求。
  • 诈欺预防和侦测是金融机构最关心的问题，也可能成为 IT 支出的主要动力。此外，线上交易、保险申请和与卡片相关的诈欺也增加了此类解决方案在保险、银行和金融服务领域的使用。
  • 诈骗的潜在风险是付款和数位付款中最大的风险之一，随着越来越多的企业提供线上付款和数位客户关係的出现，这种风险预计会增加。

亚太地区预计将占据主要市场占有率

  • 北美的数位交易和线上银行业务大幅成长，增加了诈欺的可能性。诈欺侦测和预防解决方案有助于防止敏感资料和交易的线上外洩。诈骗案件的增加预计将在预测期内推动市场成长。
  • 网路犯罪分子越来越多地以企业和医疗保健组织为目标，以获取受害者的个人资料。个人资料通常用于精心设计的攻击，与传统的网路攻击相比，这种攻击更有可能欺骗受害者。 2023 年，美国发生了 3,205 起资料外洩事件。同时，同一年，超过 3.53 亿人受到资料外洩的影响，包括资料外洩、外洩和揭露。
  • 诈欺侦测和预防解决方案供应商在该地区拥有牢固的立足点，为市场成长做出了贡献。 IBM 公司、SAS Institute Inc.、DXC Technology、RSA Security LLC 和 Oracle Corporation。
  • 各地区公司不断致力于产品创新，以满足高阶网路威胁需求。例如，2023 年 11 月，为金融机构提供合规、信用风险和贷款解决方案提供商 Abrigo 与行动存款和诈骗防制公司 Mitek 建立了策略合作伙伴关係。这种伙伴关係为当地金融机构提供了打击支票诈骗等金融犯罪的工具。

诈欺检测和预防行业概述

诈欺侦测和预防市场分散且竞争激烈。市场主要企业有 SAP SE、IBM Corporation、SAS Institute Inc.、ACI Worldwide Inc. 等。然而，只有一些新参与企业由于其产品线的重大创新而吸引了大规模投资进入市场。

*ACI Worldwide (ACI) 于 2024 年 3 月宣布与 Comforte AG 建立策略合作伙伴关係，以协助客户遵守支付卡产业资料安全 (PCI DSS) 标准。 ACI 和 Comfort 正在共同努力满足新的 PCI DSS 标准 (v4.0)。作为合作伙伴关係的一部分，Comfort 在 ACI 上列出了资料为中心的解决方案，这些解决方案经过了 ACI 的全面测试，以确保与 ACI 解决方案的互通性。

*2023 年 10 月，Fiserv 宣布从 Fiserv 手中收购了 Software Express 的 SiTef® 在巴西的主要经销商 Skytef。透过 Skytef，Fiserv 在巴西的经销网路已扩展到 1,000 多家合作伙伴，其中包括 600 多家独立软体供应商 (ISV) 和 27,000 多家商家。

其他福利：

  • Excel 格式的市场预测 (ME) 表
  • 3 个月分析师支持

目录

第一章简介

  • 研究假设和市场定义
  • 调查范围

第二章调查方法

第三章执行概述

第四章市场洞察

  • 市场概况
  • 产业价值链分析
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 消费者议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争公司之间敌对关係的强度
  • COVID-19 市场影响评估

第五章市场动态

  • 市场驱动因素
    • 非现金付款和交易量增加
    • BFSI 领域的诈欺行为增加
  • 市场限制因素
    • 缺乏与任何行业融合的能力

第六章 市场细分

  • 按解决方案
    • 诈欺分析
    • 认证
    • 彙报
    • 视觉化
    • 管治风险合规 (GRC) 解决方案
  • 按最终用户规模
    • 小规模
    • 中等大小
    • 规模大
  • 按诈欺类型
    • 内部的
    • 外部的
  • 按最终用户产业
    • BFSI
    • 零售
    • 资讯科技/通讯
    • 医疗保健
    • 能源/电力
    • 製造业
    • 其他的
  • 按地区
    • 北美洲
    • 欧洲
    • 亚洲
    • 澳洲/纽西兰
    • 拉丁美洲
    • 中东/非洲

第七章 竞争格局

  • 公司简介
    • SAP SE
    • IBM Corporation
    • SAS Institute Inc.
    • ACI Worldwide Inc.
    • Fiserv Inc.
    • Experian PLC
    • DXC Technology Company
    • BAE Systems PLC
    • RSA Security LLC（Dell Technologies Inc.）
    • Oracle Corporation
    • NICE Ltd
    • Equifax Inc.
    • LexisNexis Group
    • Fair Isaac Corporation
    • Cybersource Corporation
    • Global Payments Inc.
    • Feedzai Inc.

第八章投资分析

第九章 市场机会及未来趋势

简介目录
Product Code: 56904

The Fraud Detection And Prevention Market size is estimated at USD 47.89 billion in 2024, and is expected to reach USD 126.69 billion by 2029, growing at a CAGR of 21.48% during the forecast period (2024-2029).

Fraud Detection And Prevention - Market

Fraud detection is typically a central component of a firm's loss prevention strategy, and in some cases, it is part of an organization's broader AML (anti-money laundering) compliance efforts. When fraud detection and related functions are incorporated into a broader AML context, the combination of the two is sometimes called "Fraud and Anti-Money Laundering" or "FRAML."

* Fraud detection helps companies protect their customers' transactions and accounts by spotting fraudulent activity before or as it occurs. According to the FBI, elder fraud victims lost an average of over USD 35,101 per victim in the United States in 2022, resulting in an overall loss of over USD 3 billion. Global fraud losses in 2021 exceeded USD 55 billion with technology enabling illegal funds to cross borders.

* Moreover, synthetic identity fraud cost US financial institutions an estimated USD 20 billion in losses in 2023. As the world becomes more digital, fraudsters are continuously evolving their tactics, and businesses need to improve their fraud prevention measures to protect assets and clients from fraud.

* As the world comes to terms with fraud's increasing diversity and sophistication of typologies, more regulation and enforcement will impact compliance requirements across the board. While a firm may not be directly subject to direct requirements today, fraud is a prerequisite for money laundering and can be linked to a broader criminal network. Firms incorporating fraud into their overall risk management strategy can improve consumer protection, compliance, loss management, and financial crime prevention.

* The efficiency of fraud mechanisms backs each vertical based on customer expectations. Fraud across various industries may include card payment fraud, healthcare reimbursement fraud, data anomalies, suspicious activities, money laundering, and various transaction risks.

* Various systems or fraud prevention tools make it difficult to cover all lines of defense and maintain a holistic view of risk exposure. Furthermore, they can result in a poor customer experience. If a consumer is using multiple vendors for different types of fraud detection across various channels, it is challenging to implement a consistent, integrated approach and the right risk balance. This is expected to restrain the market's growth.

* However, investments are being made to improve the fraud infrastructure and the preventative control framework. Firms are integrating machine learning and automated alert generation with behavioral analytics to better prevent bad actors from accessing their networks. In particular, machine learning and behavioral analytics will help identify fraudulent patterns that enable agile preventative controls to be developed and adapted to the latest fraud trends. Increasing fraud training and awareness will strengthen a company's prevention strategy and help fight fraud. Thus, with the growth in future investment in fraud detection solutions, the market is expected to grow in the forecasted period.

Fraud Detection And Prevention Market Trends

BFSI Sector to be the Largest End-user Industry

  • Fraudulent activities in the BFSI industry have evolved over the decades. While it was previously limited to cheque frauds and wire frauds, with the growth of the cybersphere and the accompanying expansion of the cybercriminal realm, it has taken on more virtualized forms.
  • The increasing technological penetration, coupled with digital channels such as Internet banking and mobile banking, are becoming prominent choices of customers for banking services, making it a crucial need for banks to leverage fraud prevention solutions.
  • Fraud prevention and detection represent one of the biggest areas of concern for financial institutions and are likely to become prominent drivers of IT spending. Moreover, online transactions, insurance claims, and card-related frauds have been increasing the usage of these solutions in the insurance, banking, and financial services sectors.
  • The potential risk of fraud has been one of the biggest in online and digital payments, and it is anticipated to grow with the availability of digital customer relationships as more companies offer online payments.

Asia-Pacific is Expected to Hold Significant Market Share

  • Digital transactions in North America and online banking are increasing remarkably, thus increasing the chances of fraud. Fraud detection and prevention solutions can help prevent any online breach of sensitive data and transactions. Rising fraud cases are expected to propel the market's growth over the predicted period.
  • Cybercriminals are increasingly targeting businesses and medical institutions to gain the personal data of the victims. Personal data is often used for engineering attacks, which is more likely to trick the victim than traditional cyberattacks. In 2023, the number of data compromises in the United States stood at 3,205 cases. Meanwhile, over 353 million individuals were affected in the same year by data compromises, including data breaches, leakage, and exposure.
  • The region has a strong foothold of fraud detection and prevention solution vendors contributing to the market's growth. Some include IBM Corporation, SAS Institute Inc., DXC Technology, RSA Security LLC, and Oracle Corporation.
  • Various regional companies are continuously involved in product innovations to meet advanced cyber threat requirements. For instance, in November 2023, Abrigo, a provider of compliance, credit risk, and lending solutions for financial institutions, entered a strategic partnership with Mitek, a mobile deposit and fraud prevention player. This partnership provides community financial institutions the tools to combat financial crimes like check fraud.

Fraud Detection and Prevention Industry Overview

The fraud detection and prevention market is fragmented and very competitive. The major players in the market are SAP SE, IBM Corporation, SAS Institute Inc., ACI Worldwide Inc., and many more. However, owing to significant innovations in product lines, only some new entrants are attracting major investments into the market.

* In March 2024, ACI Worldwide (ACI) announced a strategic partnership with comforte AG (comforte AG) to support customers' compliance with PCI DSS (Payment Card Industry Data Security) standards. ACI and Comforte will work together to meet the new PCI DSS standards (v4.0). As part of the partnership, Comforte will provide ACI with data-centric solutions that ACI has thoroughly tested to ensure they are interoperable with ACI solutions.

* In October 2023, Fiserv announced that it had acquired Skytef, a leading distributor of Software Express' SiTef(R) in Brazil, from Fiserv. Skytef brings Fiserv's distribution network in Brazil to over 1,000 partners, including more than 600 Independent Software Vendors (ISVs) and 27,000 merchants.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Bargaining Power of Suppliers
    • 4.3.2 Bargaining Power of Consumers
    • 4.3.3 Threat of New Entrants
    • 4.3.4 Threat of Substitutes
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Volume of Non-cash Payment/transaction
    • 5.1.2 Increasing Frauds in BFSI Sector
  • 5.2 Market Restraints
    • 5.2.1 Lack of Integration Capability with All Verticals

6 MARKET SEGMENTATION

  • 6.1 By Solution
    • 6.1.1 Fraud Analytics
    • 6.1.2 Authentication
    • 6.1.3 Reporting
    • 6.1.4 Visualization
    • 6.1.5 Governance, Risk, and Compliance (GRC) Solutions
  • 6.2 By Scale of End User
    • 6.2.1 Small-scale
    • 6.2.2 Medium-scale
    • 6.2.3 Large-scale
  • 6.3 By Type of Fraud
    • 6.3.1 Internal
    • 6.3.2 External
  • 6.4 By End-user Industry
    • 6.4.1 BFSI
    • 6.4.2 Retail
    • 6.4.3 IT and Telecom
    • 6.4.4 Healthcare
    • 6.4.5 Energy and Power
    • 6.4.6 Manufacturing
    • 6.4.7 Other End-user Industries
  • 6.5 By Geography
    • 6.5.1 North America
    • 6.5.2 Europe
    • 6.5.3 Asia
    • 6.5.4 Australia and New Zealand
    • 6.5.5 Latin America
    • 6.5.6 Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles*
    • 7.1.1 SAP SE
    • 7.1.2 IBM Corporation
    • 7.1.3 SAS Institute Inc.
    • 7.1.4 ACI Worldwide Inc.
    • 7.1.5 Fiserv Inc.
    • 7.1.6 Experian PLC
    • 7.1.7 DXC Technology Company
    • 7.1.8 BAE Systems PLC
    • 7.1.9 RSA Security LLC (Dell Technologies Inc.)
    • 7.1.10 Oracle Corporation
    • 7.1.11 NICE Ltd
    • 7.1.12 Equifax Inc.
    • 7.1.13 LexisNexis Group
    • 7.1.14 Fair Isaac Corporation
    • 7.1.15 Cybersource Corporation
    • 7.1.16 Global Payments Inc.
    • 7.1.17 Feedzai Inc.

8 INVESTMENT ANALYSIS

9 MARKET OPPORTUNITIES AND FUTURE TRENDS