市場調查報告書
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1235868
全球欺詐檢測和預防市場:到 2028 年的預測——按類型、組件、組織、部署模型、應用程序、行業、地區Fraud Detection and Prevention Market Forecasts to 2028 - Global Analysis By Type, Component, Organization, Deployment Model, Application, Industry Vertical, and Geography |
根據 Stratistics MRC 的數據,2022 年全球欺詐檢測和預防市場規模將達到 289.1 億美元,在預測期內以 17.4% 的複合年增長率增長,預計到 2028 年將達到 10 億美元。
欺詐檢測和預防解決方案通過識別人員並授權訪問組織的 IT 系統來阻止欺詐。 由於大數據分析和雲計算服務的可用性,欺詐檢測和預防市場正在擴大。
根據英國國家審計署 (NAO) 的數據,2016 年英國大約發生了 190 萬起與網絡相關的欺詐事件,造成的損失約為 113.5 億美元。
隨著申請表和手機銀行使用的增長,出現了意想不到數量的虛假網站和移動應用程序。 虛假網站和在線應用程序在製造、醫療保健、零售和電子商務、零售和在線等各個領域都在增加。 這些網站和應用程序模仿零售商和快遞公司,試圖引誘人們進行虛假的在線互動。 銀行業的消費者越來越依賴智能手機平台來實現各種目的,包括在線支付、分析報表、提出投訴和提供反饋。
自EMV卡普及以來,身份詐騙逐漸從線下轉移到線上。 鑑於欺詐賬戶的激增,欺詐的複雜性也有所增加。 詐騙者的攻擊變得越來越複雜。 首先列出的是大約 150 萬已經擁有賬戶的受害者名下的中間賬戶。 由於黑市上提供的大量個人身份信息 (PII),詐騙者俱有優勢。 包括金融機構和零售商在內的許多組織被迫放棄更嚴格的手動申請篩選流程,以便更快地開設賬戶,從而增加犯罪機會。 這是由於客戶對 24/7 數字訪問的期望越來越高。 因此,擴大市場的經濟增長受到阻礙。
金融和銀行業是風險防範技術的早期採用者。 由於通過 Internet 交換的大量數據,金融機構極易受到攻擊。 金融機構現在也關注實時欺詐檢測和金融風險緩解。 隨著模式識別的普及,欺詐檢測系統正在發展。 由於機器學習 (ML) 技術,人工智能得到了極大改進,並且可能能夠保護公司免受內部欺詐並識別可能洩露數據的人的異常情況。 對人工智能和機器學習的需求在增長,對 FDP 解決方案的接受度也在增長。
全球市場的增長受到多個問題的阻礙。 欺詐檢測和預防市場的增長預計將受到打擊欺詐的合格人員短缺的阻礙。 欺詐檢測和預防系統及服務缺乏集成能力也可能阻礙全球市場擴張。
全球欺詐檢測和預防的一個重要市場趨勢是 COVID-19 流行病。 在居家辦公和在線支付擴張的推動下,COVID-19 流行病增加了欺詐案件的發生頻率。 在線商務正在增長,欺詐的數量也在成比例地增長。 這些因素正在推動欺詐檢測和預防市場收入的增加。 欺詐檢測和預防的目的是識別和阻止通過虛假陳述獲取財產或金錢的企圖。
隨著公司內部欺詐行為的增加,中小企業部門將看到有利可圖的增長。 小型企業對數字解決方案的日益依賴以及缺乏有效的安全協議正在助長網絡攻擊。 由於不了解欺詐及其對企業利潤的影響,小型企業難以監控數據保護合規性標準。 此外,跨境貿易的增加促進了欺詐的增加。 因此,可以調查、檢測、預防和披露小企業欺詐活動的解決方案市場預計在未來幾年將會增長。
在預測期內,銀行、金融服務和保險 (BFSI) 行業預計將以最快的複合年增長率增長。 由於操作程序的數字化和電氣化程度不斷提高,銀行和金融服務領域的競爭對手已成為黑客的熱門目標。 此外,客戶對跨多個接觸點的保險、股票經紀和共同基金等服務的數字訪問需求不斷增加,這要求公司實施反欺詐系統。 此外,全球範圍內身份欺詐和信用卡盜竊事件的增加也推動了身份解決方案在該行業的採用。
亞太地區預計在預測期內將佔據最大的市場份額,原因是其經濟不斷擴大,例如移動和互聯網設備的普及、欺詐增加以及行業滲透。
預計在預測期內,北美的複合年增長率最高。 造成這種情況的原因有很多,包括許多行業越來越多地使用欺詐檢測和預防系統,以及該地區蓬勃發展的數據處理業務。 此外,社會對欺詐活動意識的增強也有望提高該行業的盈利能力。
欺詐檢測和預防市場的主要參與者有: 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 宣布發布 Experian Fraud Score,這是一種尖端的欺詐預防工具,可幫助各種規模的企業在應用程序、交易和客戶生命週期的每個階段識別欺詐行為。.
2022 年 3 月,Fiserve 憑藉其金融服務技術解決方案和支付專業知識,將開發一項新的欺詐緩解服務,以幫助其中小型信用合作社和銀行客戶達到已經低於行業標準的利率。減少欺詐損失10-15%。 虛假下降也平均減少了 20%。 該解決方案結合了 Fico Fraud Predictor、Adaptive Analytics 和 Global Intelligent Profiles 增強的人工智能功能,以提供一種連貫、互補和全面的方法。
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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.