市场调查报告书
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全球欺诈检测和预防市场:到 2028 年的预测——按类型、组件、组织、部署模型、应用程序、行业、地区Fraud Detection and Prevention Market Forecasts to 2028 - Global Analysis By Type, Component, Organization, Deployment Model, Application, Industry Vertical, and Geography |
根据 Stratistics MRC 的数据,2022 年全球欺诈检测和预防市场规模将达到 289.1 亿美元,在预测期内以 17.4% 的复合年增长率增长,预计到 2028 年将达到 10 亿美元。
欺诈检测和预防解决方案通过识别人员并授权访问组织的 IT 系统来阻止欺诈。 由于大数据分析和云计算服务的可用性,欺诈检测和预防市场正在扩大。
根据英国国家审计署 (NAO) 的数据,2016 年英国大约发生了 190 万起与网络相关的欺诈事件,造成的损失约为 113.5 亿美元。
随着申请表和手机银行使用的增长,出现了意想不到数量的虚假网站和移动应用程序。 虚假网站和在线应用程序在製造、医疗保健、零售和电子商务、零售和在线等各个领域都在增加。 这些网站和应用程序模仿零售商和快递公司,试图引诱人们进行虚假的在线互动。 银行业的消费者越来越依赖智能手机平台来实现各种目的,包括在线支付、分析报表、提出投诉和提供反馈。
自EMV卡普及以来,身份诈骗逐渐从线下转移到线上。 鑑于欺诈账户的激增,欺诈的复杂性也有所增加。 诈骗者的攻击变得越来越复杂。 首先列出的是大约 150 万已经拥有账户的受害者名下的中间账户。 由于黑市上提供的大量个人身份信息 (PII),诈骗者俱有优势。 包括金融机构和零售商在内的许多组织被迫放弃更严格的手动申请筛选流程,以便更快地开设账户,从而增加犯罪机会。 这是由于客户对 24/7 数字访问的期望越来越高。 因此,扩大市场的经济增长受到阻碍。
金融和银行业是风险防范技术的早期采用者。 由于通过 Internet 交换的大量数据,金融机构极易受到攻击。 金融机构现在也关注实时欺诈检测和金融风险缓解。 随着模式识别的普及,欺诈检测系统正在发展。 由于机器学习 (ML) 技术,人工智能得到了极大改进,并且可能能够保护公司免受内部欺诈并识别可能洩露数据的人的异常情况。 对人工智能和机器学习的需求在增长,对 FDP 解决方案的接受度也在增长。
全球市场的增长受到多个问题的阻碍。 欺诈检测和预防市场的增长预计将受到打击欺诈的合格人员短缺的阻碍。 欺诈检测和预防系统及服务缺乏集成能力也可能阻碍全球市场扩张。
全球欺诈检测和预防的一个重要市场趋势是 COVID-19 流行病。 在居家办公和在线支付扩张的推动下,COVID-19 流行病增加了欺诈案件的发生频率。 在线商务正在增长,欺诈的数量也在成比例地增长。 这些因素正在推动欺诈检测和预防市场收入的增加。 欺诈检测和预防的目的是识别和阻止通过虚假陈述获取财产或金钱的企图。
随着公司内部欺诈行为的增加,中小企业部门将看到有利可图的增长。 小型企业对数字解决方案的日益依赖以及缺乏有效的安全协议正在助长网络攻击。 由于不了解欺诈及其对企业利润的影响,小型企业难以监控数据保护合规性标准。 此外,跨境贸易的增加促进了欺诈的增加。 因此,可以调查、检测、预防和披露小企业欺诈活动的解决方案市场预计在未来几年将会增长。
在预测期内,银行、金融服务和保险 (BFSI) 行业预计将以最快的复合年增长率增长。 由于操作程序的数字化和电气化程度不断提高,银行和金融服务领域的竞争对手已成为黑客的热门目标。 此外,客户对跨多个接触点的保险、股票经纪和共同基金等服务的数字访问需求不断增加,这要求公司实施反欺诈系统。 此外,全球范围内身份欺诈和信用卡盗窃事件的增加也推动了身份解决方案在该行业的采用。
亚太地区预计在预测期内将占据最大的市场份额,原因是其经济不断扩大,例如移动和互联网设备的普及、欺诈增加以及行业渗透。
预计在预测期内,北美的复合年增长率最高。 造成这种情况的原因有很多,包括许多行业越来越多地使用欺诈检测和预防系统,以及该地区蓬勃发展的数据处理业务。 此外,社会对欺诈活动意识的增强也有望提高该行业的盈利能力。
欺诈检测和预防市场的主要参与者有: SAP SE、Oracle、Software AG、Fair Isaac Corporation (FICO)、Dell Technologies、Total System Services、Experian、Equifax、ACI Worldwide、SAS Institute Inc、Microsoft Corporation、IBM、BAE Systems、Fiserv。
2022 年 9 月,Experian 宣布发布 Experian Fraud Score,这是一种尖端的欺诈预防工具,可帮助各种规模的企业在应用程序、交易和客户生命週期的每个阶段识别欺诈行为。.
2022 年 3 月,Fiserve 凭藉其金融服务技术解决方案和支付专业知识,将开发一项新的欺诈缓解服务,以帮助其中小型信用合作社和银行客户达到已经低于行业标准的利率。减少欺诈损失10-15%。 虚假下降也平均减少了 20%。 该解决方案结合了 Fico Fraud Predictor、Adaptive Analytics 和 Global Intelligent Profiles 增强的人工智能功能,以提供一种连贯、互补和全面的方法。
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According to Stratistics MRC, the Global Fraud Detection and Prevention Market is accounted for $28.91 billion in 2022 and is expected to reach $78.70 billion by 2028 growing at a CAGR of 17.4% during the forecast period. Solutions for fraud detection and prevention work to stop frauds by locating a person and authenticating their access to the organization's IT system. The market for fraud detection and prevention is expanding as a result of the availability of big data analytics and cloud computing services.
According to report of National Audit Office (NAO) United Kingdom, around 1.9 million cyber related fraud incidents was found in 2016 in United Kingdom that results into loss of around USD11.35 billion.
An unexpectedly high number of fake websites and mobile apps have emerged as a result of the expanding use of application forms and mobile banking services. There is an increase in fake websites and online apps in different sectors like manufacturing, healthcare, retail & e-commerce, and retail & online. These websites and apps imitate retail stores and home delivery companies in an effort to lure people into fulfilling fake online interactions. Consumers in the banking industry are increasingly obsessed on smartphone platforms for a variety of purposes, including making online payments, analysing their statements, filing complaints, and providing feedback, among others.
Since the widespread use of EMV Cards, identity fraud has gradually moved online from offline sources. Given the surge in fraud accounts, fraud complexity has also increased. Attacks by fraudsters are becoming increasingly sophisticated. An intermediate account in the names of around 1.5 million victims who already had an account is listed first. Fraudsters have an edge due to the enormous amount of personally identifiable information (PII) that is available on the black market. Many organisations, including financial institutions and retailers, have been forced to forgo more rigorous manual application review processes in order to open accounts more quickly, increasing the opportunity for crime to occur. This is due to the rising customer expectations for 24/7 digital access. Hence, the market's expansionary economic growth is hindered.
The financial and banking sectors were early adopters of risk-prevention technologies. Due to the massive internet data exchanges, financial organisations are very vulnerable. Financial institutions are also now focusing on both real-time fraud detection and financial risk mitigation. Systems for detecting fraud are developing as pattern recognition becomes more prevalent. Artificial intelligence has greatly improved thanks to machine learning (ML) technology, which may protect businesses from internal fraud and identify any abnormalities in people who might leak data. The demand for artificial intelligence and machine learning is increasing, and so is the acceptance of FDP solutions.
The growth of the global market is being hampered by several issues. The growth of the Fraud Detection and Prevention Market is projected to be hampered by the lack of qualified people to deal with fraudulent behaviour. Also, the absence of integration capabilities in fraud detection and prevention systems and services may hinder the expansion of the global market.
A significant market trend for fraud detection and prevention around the world has been the COVID-19 epidemic. As a result of the COVID-19 epidemic, which was brought on by the requirement for work-from-home and the expansion of online payments, the frequency of fraudulent instances increased. Online transactions are growing, and so is the amount of frauds, in exact proportion. The market revenue for fraud detection and prevention has increased as a result of this factor. The goal of fraud detection and prevention is to identify and stop attempts to acquire property or money through misrepresentation.
The SMEs segment is estimated to have a lucrative growth, due to increase in fraud instances inside these businesses. The growing reliance of SMEs on digital solutions and their absence of efficient security protocols are causes of cyberattacks. Due to their ignorance of scams and how they affect business profits, SMEs also struggle to monitor data protection compliance standards. Moreover, increased cross-border trade contributes to an increase in fraud. As a result, the market for solutions that can investigate, detect, prevent, and disclose frauds among SMEs is anticipated to expand in the coming years.
The Banking, financial services and insurance (BFSI) segment is anticipated to witness the fastest CAGR growth during the forecast period. The competitors in the banking and financial services sector have become a popular target for hackers as a result of the increased digitization and electrification of business procedures. Additionally, the growing demand from clients for digital access to services like insurance, stock broking, and mutual funds across several touch points requires companies to implement fraud prevention systems. Moreover, the adoption of identification solutions in this industry is being stimulated by the growth in identity fraud and credit card theft incidences around the globe.
Asia Pacific is projected to hold the largest market share during the forecast period owing to the existence of expanding economies together with increased mobile and internet device penetration, rising fraud cases, and widespread industry adoption.
North America is projected to have the highest CAGR over the forecast period, owing to a number of causes, including the rising use of fraud detection and prevention systems across numerous industries and the rapid growth of data processing businesses in this area. Growing public awareness of fraud incidents is also anticipated to boost the market's profitability in this area.
Some of the key players profiled in the Fraud Detection and Prevention Market include: SAP SE, Oracle, Software AG, Fair Isaac Corporation ("FICO"), Dell Technologies, Total System Services, Inc., Experian, Equifax, ACI Worldwide, SAS Institute Inc., Microsoft Corporation, IBM, BAE Systems and Fiserv.
In September 2022, Experian announced the release of Experian Fraud Score, a cutting-edge fraud protection tool that will assist companies of all sizes in identifying fraud at the application, transaction, and customer lifecycle stages.
In March 2022, Fiserv, with expertise in financial services technology solutions and payments, has developed a new fraud mitigation service that has reduced fraud losses, which were already low by industry standards, by 10 to 15% for its small to mid-size credit union and bank clients. False declines (legitimate transactions wrongly flagged as fraudulent) decreased by an average of 20%. The solution combines the enhanced artificial intelligence capabilities of Fico Fraud Predictor, Adaptive Analytics, and Global Intelligent Profiles, providing a cohesive, complementary, and holistic approach.
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10.10. Real Estate
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.