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市場調查報告書
商品編碼
1889190
全球詐騙偵測與預防市場:預測至 2032 年-按組件、部署方式、組織規模、詐欺類型、最終用戶和地區進行分析Fraud Detection & Prevention Market Forecasts to 2032 - Global Analysis By Component (Solutions and Services), Deployment Mode, Organization Size, Fraud Type, End User and By Geography |
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根據 Stratistics MRC 的一項研究,預計到 2025 年,全球詐騙偵測和預防市場價值將達到 650.7 億美元,到 2032 年將達到 2,803.3 億美元,在預測期內的複合年成長率為 23.2%。
詐騙偵測與預防是指用於識別、監控和阻止詐欺活動,防止其造成財務或業務損失的系統、流程和分析技術。它結合了即時數據分析、行為監控、機器學習模型和自動警報,以識別交易、用戶互動和整體數位環境中的可疑模式。透過將先進技術與強大的安全策略相結合,組織可以主動降低風險、保護敏感資產並保持合規性,同時增強其抵禦不斷演變的詐欺威脅的整體防禦能力。
根據聯邦貿易委員會 (FTC) 的數據,2023 年消費者報告的詐騙損失將超過 100 億美元,這是此類損失首次達到如此高的水平。
詐騙手段日益複雜
諸如合成身分、帳戶盜用和深度造假偽造攻擊等複雜手段正在加劇安全挑戰。詐騙正利用自動化、人工智慧和社交工程等先進工具來繞過傳統控制措施。因此,企業正在加速投資於利用即時分析和機器學習的檢測解決方案。詐騙案件帶來的日益成長的財務和聲譽風險進一步推動了市場成長。這種不斷升級的威脅環境正成為推動現代詐騙技術普及的主要動力。
與舊有系統整合的複雜性
舊有系統往往缺乏無縫整合所需的柔軟性和互通性,導致引進週期過長、成本增加,並造成業務中斷。資料孤島和不一致的架構進一步加劇了人工智慧驅動的詐騙工具整合的複雜性,迫使企業投資現代化改造和基於 API 的連接器,以確保順利實施。這些整合挑戰正在延緩先進詐欺預防技術的推廣應用。
先進技術的應用日益普及
這些工具能夠實現即時風險評分、行為分析和自動異常檢測。雲端運算的整合使得跨產業的部署更具可擴展性和成本效益。先進技術能夠提高偵測精度,同時減少誤報。各組織正朝著預測性和自適應的詐欺預防框架邁進。這種技術變革正在為創新和市場拓展開新的途徑。
資料品質和隱私問題
資料品質差會增加誤報和錯誤分類的可能性。同時,人們對個人資料隱私日益成長的擔憂也帶來了合規方面的挑戰。諸如 GDPR、CCPA 和其他地區資料保護法規都要求採取嚴格的保障措施。企業必須在資料利用、透明度和負責任的處理之間取得平衡。未能維護高水準的資料完整性和隱私保護可能會削弱使用者信任,並阻礙產品的普及應用。
疫情導致數位交易激增,同時也引發了各行各業詐欺試驗的增加。遠端辦公環境帶來了新的安全漏洞,尤其是在身分和存取管理方面。為了應對日益成長的風險,許多組織加快了雲端基礎詐騙偵測工具的部署。新冠疫情也凸顯了即時監控和自動化在處理不斷成長的交易量方面的重要性。最終,這場危機再次印證了先進的詐騙偵測系統在保護數位生態系統方面發揮的關鍵作用。
預計在預測期內,解決方案領域將佔據最大的市場佔有率。
由於其在詐欺偵測、分析和預防方面的全面能力,預計解決方案領域將在預測期內佔據最大的市場佔有率。這些產品包括分析平台、身份驗證工具和風險評分引擎,支援多種應用場景。由於解決方案具有可擴展性和強大的整合能力,企業更傾向於採用基於解決方案的部署方式。人工智慧和雲端驅動的詐騙偵測工具的日益普及也使這一領域的重要性日益凸顯。銀行、金融和保險 (BFSI)、電子商務和通訊業的公司高度依賴詐騙偵測方案來保障其交易安全。
預計在預測期內,零售和電子商務領域的複合年成長率將最高。
預計在預測期內,零售和電子商務產業將迎來最高的成長率,因為隨著網路購物、行動支付和數位錢包的興起,安全漏洞也隨之增加。為了保護客戶和交易安全,這些公司正在部署即時詐騙偵測工具。先進的分析技術和人工智慧系統有助於從海量交易中識別詐欺活動。客戶體驗和信任是電子商務企業成功的關鍵因素,也是推動技術快速普及的動力。
在預測期內,北美預計將佔據最大的市場佔有率,這得益於其成熟的數位基礎設施和主要詐騙偵測供應商的強大影響力。高水準的線上支付和數位銀行服務催生了對強大詐欺防護的巨大需求。該地區受益於先進的網路安全能力和對新興技術的早期應用。美國和加拿大的企業正在大力投資即時分析和基於人工智慧的反詐騙解決方案。嚴格的法規結構進一步促使企業將詐欺預防放在首位。
由於數位轉型加速和線上商務蓬勃發展,亞太地區預計在預測期內將實現最高的複合年成長率。網路普及率的提高和行動支付的普及帶來了新的詐欺風險。該地區各國政府正在加強網路安全要求和數位金融監管。企業正在加速採用雲端基礎和人工智慧的反詐騙工具來保護其數位環境。印度、中國和東南亞國家金融科技生態系統的發展正在推動技術應用。
According to Stratistics MRC, the Global Fraud Detection & Prevention Market is accounted for $65.07 billion in 2025 and is expected to reach $280.33 billion by 2032 growing at a CAGR of 23.2% during the forecast period. Fraud Detection & Prevention refers to the systems, processes, and analytical methods used to identify, monitor, and stop fraudulent activities before they cause financial or operational harm. It combines real-time data analysis, behavioral monitoring, machine learning models, and automated alerts to recognize suspicious patterns across transactions, user interactions, and digital environments. By integrating advanced technologies with strong security policies, organizations can proactively reduce risks, safeguard sensitive assets, and maintain compliance while enhancing overall protection against evolving fraud threats.
According to the Federal Trade Commission data, consumers reported losses exceeding USD 10 billion due to fraud in 2023, marking the first instance of such losses reaching this level.
Increasing sophistication of fraud
Sophisticated schemes involving synthetic identities, account takeovers, and deepfake-based attacks are intensifying security challenges. Fraudsters are leveraging advanced tools such as automation, AI, and social engineering to bypass traditional controls. As a result, enterprises are accelerating investments in real-time analytics and machine learning-powered detection solutions. The rising financial and reputational risks associated with fraud incidents are further driving market growth. This escalating threat landscape is becoming a major catalyst for adopting modern fraud prevention technologies.
Integration complexity with legacy systems
Legacy systems often lack the flexibility and interoperability needed for seamless integration. This creates long implementation cycles, higher costs, and operational disruptions. Data silos and inconsistent architectures further complicate the integration of AI-driven fraud tools. Companies must invest in modernization or API-based connectors to enable smooth adoption. These integration challenges are slowing down the full-scale deployment of advanced fraud prevention technologies.
Increased adoption of advanced technologies
The tools enable real-time risk scoring, behavioral analytics, and automated anomaly identification. The integration of cloud computing allows scalable and cost-efficient deployment across industries. Advanced technologies are enabling more accurate detection with fewer false positives. Organizations are increasingly shifting toward predictive and adaptive fraud prevention frameworks. This technological evolution is opening new pathways for innovation and market expansion.
Data quality and privacy concerns
Poor data quality increases the chances of false alerts and misclassification. At the same time, growing concerns around personal data privacy are creating compliance challenges. Regulations such as GDPR, CCPA, and other regional data protection laws demand strict safeguards. Companies must balance data utilization with transparency and responsible processing. Failure to maintain high data integrity and privacy protection may erode user trust and hinder adoption.
The pandemic triggered a surge in digital transactions, which led to a parallel increase in fraud attempts across industries. Remote work environments created new vulnerabilities, particularly around identity and access management. Many organizations accelerated their adoption of cloud-based fraud detection tools to manage rising risks. COVID-19 also highlighted the importance of real-time monitoring and automation to handle increased transaction volumes. The crisis ultimately reinforced the critical role of advanced fraud detection systems in securing digital ecosystems.
The solutions segment is expected to be the largest during the forecast period
The solutions segment is expected to account for the largest market share during the forecast period, due to its comprehensive capabilities in detecting, analyzing, and preventing fraud. These offerings include analytics platforms, authentication tools, and risk scoring engines that support multiple use cases. Organizations prefer solution-based deployments for their scalability and strong integration features. The growing shift toward AI- and cloud-driven fraud tools strengthens this segment's prominence. Enterprises across BFSI, e-commerce, and telecom rely heavily on fraud detection solutions to safeguard transactions.
The retail & E-commerce segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the retail & E-commerce segment is predicted to witness the highest growth rate, due to the rise of online shopping, mobile payments, and digital wallets increases vulnerability. These businesses are adopting real-time fraud detection tools to protect customers and transactions. Advanced analytics and AI systems help identify fraudulent behavior across large transaction volumes. Customer experience and trust are critical success factors for e-commerce players, driving rapid technology adoption.
During the forecast period, the North America region is expected to hold the largest market share, supported by its mature digital infrastructure and strong presence of key fraud detection vendors. High levels of online payments and digital banking create substantial demand for robust fraud controls. The region benefits from advanced cybersecurity capabilities and early adoption of emerging technologies. Enterprises in the U.S. and Canada are heavily investing in real-time analytics and AI-based fraud solutions. Strict regulatory frameworks further encourage companies to prioritize fraud prevention.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, owing to rapid digital transformation and expanding online commerce. Rising internet penetration and mobile payments are creating new fraud exposure points. Governments across the region are strengthening cybersecurity mandates and digital finance regulations. Businesses are increasingly adopting cloud-based and AI-driven fraud prevention tools to protect their digital environments. The growth of fintech ecosystems in countries like India, China, and Southeast Asia accelerates technology uptake.
Key players in the market
Some of the key players in Fraud Detection & Prevention Market include IBM Corp, BioCatch, SAS Institute, Sift, FICO, Forter, NICE Actim, Equifax, ACI World, Oracle Corp, Fiserv, LexisNexis, FIS Global, TransUnion, and Experian.
In November 2025, Atruvia AG and IBM have sealed a long-term collaboration that paves the way for sustainable and state-of-the-art IT platforms for the banking of tomorrow. Atruvia will use IBM z17, which was announced earlier this year, as a cornerstone support its mission critical operations including the core banking system. Modernization and hybrid cloud integration is core to Atruvia's strategy to provide leading services and an outstanding experience for its users.
In October 2025, Oracle announced the latest capabilities added to Oracle Database@AWS to better support mission-critical enterprise workloads in the cloud. In addition, customers can now procure Oracle Database@AWS through qualified AWS and Oracle channel partners. This gives customers the flexibility to procure Oracle Database@AWS through their trusted partners and continue to innovate, modernize, and solve complex business problems in the cloud.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.