![]() |
市场调查报告书
商品编码
1934218
诈骗侦测与预防市场 - 全球产业规模、份额、趋势、机会及预测(按组件、解决方案、应用、产业垂直领域、地区和竞争格局划分,2021-2031年)Fraud Detection and Prevention Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Component, By Solutions, By Application, By Industry Vertical, By Region & Competition, 2021-2031F |
||||||
全球诈欺侦测和预防市场预计将从 2025 年的 387.3 亿美元大幅成长至 2031 年的 1,064.8 亿美元,复合年增长率达 18.36%。
该市场涵盖旨在识别和打击金融及商业领域诈欺活动的分析解决方案和服务。推动这一成长的关键因素包括数位支付量的不断增长(这需要即时监控)以及洗钱防制(AML) 等严格的监管要求。此外,除了影响该行业的更广泛的技术趋势外,企业迫切需要减少直接经济损失并维护品牌声誉,这也促使企业采取这些安全措施。
| 市场概览 | |
|---|---|
| 预测期 | 2027-2031 |
| 市场规模:2025年 | 387.3亿美元 |
| 市场规模:2031年 | 1064.8亿美元 |
| 复合年增长率:2026-2031年 | 18.36% |
| 成长最快的细分市场 | 解决方案 |
| 最大的市场 | 北美洲 |
市场扩张的一大障碍是误报,误报会扰乱合法的客户互动并增加营运成本。这种摩擦需要在强大的安全性和流畅的使用者体验之间取得微妙的平衡。为了凸显这些风险带来的财务影响,註册舞弊审查师协会 (ACFE) 估计,到 2024 年,企业将因职业不当行为损失 5% 的年收入。这项统计数据强调了建立精准检测机制的必要性,这些机制既能保护收入来源,又不会干扰营运。
将生成式人工智慧融入犯罪手段显着增加了网路攻击的复杂性,使得采用先进的检验技术变得至关重要。随着诈骗利用深度造假和合成身分绕过标准安全措施,行为分析和生物识别的需求变得迫切。这种技术变革正在推动能够检测人工智慧产生的异常情况,从而在金融机构受到影响之前将其拦截的平台的普及。根据Sumsub于2024年11月发布的《2024年Sumsub身份诈欺报告》,全球与深度造假相关的事件预计将同比增长245%,凸显了这一威胁的快速演变以及市场对先进应对技术日益增长的需求。
同时,全球数位支付交易量的快速成长也对强大的反诈骗系统提出了更高的要求,以保护不断扩展的交易生态系统。随着消费者越来越多地使用行动钱包和即时支付基础设施,他们也越来越容易受到金融犯罪的侵害,造成巨大的经济损失。因此,各机构正优先部署即时监控系统,以便在不影响合法用户的情况下阻止非法贸易。根据美国联邦贸易委员会 (FTC) 于 2024 年 2 月发布的《2023 年消费者哨兵网路资料辑》,2023 年消费者报告的诈骗损失将达到创纪录的 100 亿美元以上。为了应对这笔巨额损失,各大支付网路正投入大量资源。例如,Visa 在 2024 年报告称,其在上年度阻止了价值 400 亿美元的非法贸易,这充分体现了其当前反诈欺工作的规模。
误报管理仍然是全球诈骗侦测和预防市场扩张的一大障碍。这项挑战造成了严重的营运摩擦,迫使企业频繁干预以防止错误地拒绝合法客户。过于严格的检测系统会导致合法交易的高拒绝率,造成即时的收入损失,并对品牌忠诚度产生持久的负面影响。因此,企业往往不愿意全面部署自动化安全解决方案,担心拒绝合法客户造成的经济损失会超过诈欺防制带来的效益。由于企业难以证明可能扰乱消费者购买流程的投资是合理的,市场接受度下降。
这种不准确所造成的经济影响显而易见且十分严重。根据商家风险委员会 (Merchant Risk Council) 预测,到 2024 年,全球经销商每年将因疑似诈欺而拒绝约 6% 的电商订单,误报率在 2% 到 10% 之间。这些数据凸显了问题的严重性:当合法订单不断被拦截时,由此产生的摩擦力会将消费者推向竞争对手。这种动态迫使企业减少对严格侦测技术的依赖,直接限制了市场成长潜力。
诈欺侦测和反洗钱 (AML) 功能的融合 (FRAML) 正在打破传统上这两个领域之间的界限,从而改变市场格局。金融机构正在加速整合这些功能,以获得全面的风险视角,从而能够同时侦测跨领域的复杂金融犯罪并优化资源配置。这项转变的驱动力在于消除重复的调查工作,并降低维护独立合规团队相关的营运成本。 Hawk AI 在 2025 年 4 月发布的报告《美国中型银行和信用社欺诈检测和反洗钱整合趋势》中指出,77% 的受访机构预计,在整合其欺诈检测和反洗钱项目后的五年内,将节省超过 100 万美元的成本,这便是该方法经济效益的一个例证。
防范已通过核准支付转帐诈骗(APP诈骗)已成为一项关键的市场挑战,促使供应商开发出除了技术漏洞之外,还专注于社交工程反制措施的解决方案。与欺诈性转帐不同,APP诈骗依赖于操纵手段来诱使受害者核准转账,因此需要基于意图的检测系统以及在支付过程中进行即时心理干预。监管政策的变化促使支付服务供应商承担损失责任,从而推动了先进摩擦防范措施的实施。根据英国金融协会于2025年5月发布的《2025年度诈骗报告》,预计到2024年,已通过核准支付转帐诈骗总数将下降20%,显示这些消费者保护策略的有效性。
The Global Fraud Detection and Prevention Market is projected to expand significantly, rising from USD 38.73 Billion in 2025 to USD 106.48 Billion by 2031, reflecting a CAGR of 18.36%. This market encompasses analytical solutions and services aimed at identifying and neutralizing illicit activities within financial and commercial industries. Primary factors propelling this growth include the increasing volume of digital payments, which necessitates real-time monitoring, and strict regulatory requirements such as Anti-Money Laundering (AML) mandates. Furthermore, the urgent need to mitigate direct financial losses and safeguard brand integrity drives enterprises to implement these security measures, separate from broader technological trends affecting the sector.
| Market Overview | |
|---|---|
| Forecast Period | 2027-2031 |
| Market Size 2025 | USD 38.73 Billion |
| Market Size 2031 | USD 106.48 Billion |
| CAGR 2026-2031 | 18.36% |
| Fastest Growing Segment | Solutions |
| Largest Market | North America |
A major obstacle hindering market expansion is the handling of false positives, which interfere with legitimate client interactions and escalate operational expenses. This friction demands a careful equilibrium between robust security and a seamless user experience. Emphasizing the financial impact of these risks, the Association of Certified Fraud Examiners estimated in 2024 that organizations lost 5% of their annual revenue due to occupational fraud. This statistic highlights the essential need for accurate detection mechanisms that protect revenue streams while ensuring operations remain uninterrupted.
Market Driver
The incorporation of generative artificial intelligence into criminal tactics has greatly complicated cyberattacks, necessitating the deployment of advanced verification technologies. As fraudsters employ deepfakes and synthetic identity manipulation to circumvent standard security measures, there is a pressing requirement for behavioral analytics and liveness detection. This technological evolution fuels the adoption of platforms designed to spot AI-generated anomalies before they affect financial institutions. According to the 'Sumsub Identity Fraud Report 2024' published by Sumsub in November 2024, global deepfake incidents surged by 245% year-over-year, underscoring the rapid advancement of these threats and the resulting market need for sophisticated countermeasures.
Concurrently, the rapid increase in global digital payment volumes demands strong fraud prevention systems to secure the growing transaction ecosystem. As consumers increasingly use mobile wallets and real-time payment infrastructures, the vulnerability to financial crimes expands, resulting in significant monetary losses. Consequently, organizations are prioritizing real-time monitoring systems to stop unauthorized transactions without disrupting legitimate users. According to the Federal Trade Commission's 'Consumer Sentinel Network Data Book 2023' released in February 2024, consumers reported fraud losses exceeding $10 billion in 2023, setting a new record. To address this volume, major networks are utilizing vast resources; for instance, Visa reported in 2024 that it successfully prevented $40 billion in fraudulent activity the previous year, illustrating the massive scale of current prevention initiatives.
Market Challenge
Managing false positives remains a significant barrier to the expansion of the Global Fraud Detection and Prevention Market. This challenge causes considerable operational friction, requiring businesses to intervene frequently to prevent the unfair decline of legitimate customers. When detection systems act too aggressively, they produce high rejection rates for valid transactions, leading to immediate revenue loss and enduring harm to brand loyalty. As a result, organizations often hesitate to fully implement automated security solutions, fearing that the financial detriment of turning away good customers will exceed the benefits of fraud prevention, thereby slowing market adoption rates as companies struggle to justify investments that might impede the consumer journey.
The economic consequences of this lack of precision are both measurable and severe. According to the Merchant Risk Council, global merchants rejected approximately 6% of annual eCommerce orders in 2024 due to suspected fraud, with false positive rates often falling between 2% and 10%. This data highlights the scale of the issue; when valid orders are consistently blocked, the ensuing friction pushes consumers toward competitors. This dynamic compels enterprises to restrict their dependence on stringent detection technologies, which directly curbs the market's potential for growth.
Market Trends
The convergence of Fraud and AML (FRAML) operations is reshaping the market by breaking down traditional barriers between fraud detection and anti-money laundering compliance. Financial institutions are increasingly merging these functions to establish a comprehensive view of risk, enabling the simultaneous detection of complex financial crimes across both areas while optimizing resource use. This shift is driven by the necessity to eliminate redundant investigative work and lower operational costs tied to maintaining separate compliance teams. Demonstrating the economic efficiency of this approach, Hawk AI reported in April 2025 in 'Trends in Fraud & AML Convergence at US Mid-Market Banks & Credit Unions' that 77% of surveyed institutions anticipate saving over $1 million within the first five years of unifying their fraud and AML programs.
Mitigating Authorized Push Payment (APP) scams has become a key market focus, prompting vendors to create solutions that target social engineering rather than solely technical breaches. Unlike unauthorized fraud, APP scams involve manipulating victims into approving transfers, requiring intent-based detection systems and real-time psychological interventions during the payment process. This focus is growing due to regulatory updates that increasingly place liability for these losses on payment service providers, encouraging the use of advanced friction measures. According to UK Finance's 'Annual Fraud Report 2025' released in May 2025, the total volume of authorized push payment fraud cases fell by 20% in 2024, indicating the success of these targeted consumer protection strategies.
Report Scope
In this report, the Global Fraud Detection and Prevention Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Company Profiles: Detailed analysis of the major companies present in the Global Fraud Detection and Prevention Market.
Global Fraud Detection and Prevention Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report: