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市場調查報告書
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1524179

詐欺偵測與預防：市場佔有率分析、產業趨勢與成長預測（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個工作天內

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簡介目錄

詐欺偵測和預防市場規模預計到 2024 年為 478.9 億美元，到 2029 年將達到 1,266.9 億美元，在市場估計和預測期間（2024-2029 年）複合年成長率為 21.48%。

詐欺檢測與預防市場

詐欺偵測通常是公司損失預防策略的核心要素，在某些情況下，是組織更廣泛的反洗錢 (AML) 合規工作的一部分。當詐欺檢測和相關功能被納入更廣泛的 AML 環境中時，兩者的組合有時被稱為「詐欺和洗錢防制」或「FRAML」。

*詐欺偵測透過在詐欺活動發生之前或發生時發現詐欺活動，幫助企業保護客戶交易和帳戶。根據 FBI 預測，到 2022 年，美國老年人平均每人將遭受超過 35,101 美元的詐騙，導致整體損失超過 30 億美元。 2021 年，全球詐騙損失超過 550 億美元，科技正在使非法資金跨境流動。

*此外，到 2023 年，合成身分詐騙預計會對美國金融機構造成 200 億美元的損失。隨著世界變得數位化，詐騙不斷改進其方法，企業需要改進詐騙防護，以保護其資產和客戶免受詐騙。

*隨著詐騙類型變得更加多樣化和複雜，如果加強監管和執法，合規要求將受到全面影響。儘管今天可能不會直接要求公司這樣做，但詐欺是洗錢的先決條件，並可能導致更廣泛的犯罪網路。將詐欺納入整體風險管理策略可以改善消費者保護、合規性、損失控制和金融犯罪預防。

*根據客戶期望提高每個行業的詐欺效率。各行業的詐欺包括卡片付款詐欺、醫療報銷詐欺、資料異常、可疑活動、洗錢和各種交易風險。

*由於系統和詐欺工具不同，很難涵蓋所有防線並整體情況了解風險暴露。此外，它可能會導致糟糕的客戶體驗。當消費者依賴多個供應商跨不同管道進行不同類型的詐欺偵測時，很難實施一致、整合的方法和適當的風險平衡。預計這將抑制市場成長。

*但是，我們正在投資改善詐欺基礎設施和預防控制框架。企業正在將機器學習和自動警報生成與行為分析相結合，以更好地防止不良行為者訪問其網路。特別是，透過使用機器學習和行為分析來識別詐欺模式，可以製定適應最新詐欺趨勢的靈活預防措施。詐欺培訓和意識可以加強公司的預防策略並協助打擊詐欺。因此，由於詐欺檢測解決方案投資即將擴大，預計市場在預測期內將成長。

詐欺檢測和預防市場的趨勢

BFSI 產業成為最大的最終用戶產業

  • BFSI 產業的詐欺已經發展了數十年。以前僅限於詐騙和電匯詐騙，網路領域的發展以及由此產生的網路犯罪領域的擴張已呈現出更虛擬的形式。
  • 隨著科技的日益普及，網路銀行和手機銀行等數位管道成為客戶獲取銀行服務的重要選擇，這使得使用防詐騙解決方案成為銀行的迫切需求。
  • 詐欺預防和偵測是金融機構最關心的問題，也可能成為 IT 支出的主要動力。此外，線上交易、保險申請和與卡片相關的詐欺也增加了此類解決方案在保險、銀行和金融服務領域的使用。
  • 詐騙的潛在風險是付款和數位付款中最大的風險之一，隨著越來越多的企業提供線上付款和數位客戶關係的出現，這種風險預計會增加。

亞太地區預計將佔據主要市場佔有率

  • 北美的數位交易和線上銀行業務大幅成長，增加了詐欺的可能性。詐欺偵測和預防解決方案有助於防止敏感資料和交易的線上外洩。詐騙案件的增加預計將在預測期內推動市場成長。
  • 網路犯罪分子擴大以企業和醫療保健組織為目標，以獲取受害者的個人資料。個人資料通常用於精心設計的攻擊，與傳統的網路攻擊相比，這種攻擊更有可能欺騙受害者。 2023 年，美國發生了 3,205 起資料外洩事件。同時，同一年，超過 3.53 億人受到資料外洩的影響，包括資料外洩、外洩和揭露。
  • 詐欺偵測和預防解決方案供應商在該地區擁有牢固的立足點，為市場成長做出了貢獻。 IBM 公司、SAS Institute Inc.、DXC Technology、RSA Security LLC 和 Oracle Corporation。
  • 各地區公司不斷致力於產品創新，以滿足高階網路威脅需求。例如，2023 年 11 月，為金融機構提供合規、信用風險和貸款解決方案提供商 Abrigo 與行動存款和詐騙防制公司 Mitek 建立了策略合作夥伴關係。這種夥伴關係為當地金融機構提供了打擊支票詐騙等金融犯罪的工具。

詐欺檢測和預防行業概述

詐欺偵測和預防市場分散且競爭激烈。市場主要企業有 SAP SE、IBM Corporation、SAS Institute Inc.、ACI Worldwide Inc. 等。然而，只有一些新參與企業由於其產品線的重大創新而吸引了大規模投資進入市場。

*ACI Worldwide (ACI) 於 2024 年 3 月宣布與 Comforte AG 建立策略合作夥伴關係，以協助客戶遵守支付卡產業資料安全 (PCI DSS) 標準。 ACI 和 Comfort 正在共同努力滿足新的 PCI DSS 標準 (v4.0)。作為合作夥伴關係的一部分，Comfort 在 ACI 上列出了資料為中心的解決方案，這些解決方案經過了 ACI 的全面測試，以確保與 ACI 解決方案的互通性。

*2023 年 10 月，Fiserv 宣布從 Fiserv 手中收購了 Software Express 的 SiTef® 在巴西的主要經銷商 Skytef。透過 Skytef，Fiserv 在巴西的經銷網路已擴展到 1,000 多家合作夥伴，其中包括 600 多家獨立軟體供應商 (ISV) 和 27,000 多家商家。

其他福利：

  • Excel 格式的市場預測 (ME) 表
  • 3 個月分析師支持

目錄

第1章簡介

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行概述

第4章市場洞察

  • 市場概況
  • 產業價值鏈分析
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 消費者議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭公司之間敵對關係的強度
  • COVID-19 市場影響評估

第5章市場動態

  • 市場促進因素
    • 非現金付款和交易量增加
    • BFSI 領域的詐欺行為增加
  • 市場限制因素
    • 缺乏與任何行業融合的能力

第6章 市場細分

  • 按解決方案
    • 詐欺分析
    • 認證
    • 彙報
    • 視覺化
    • 管治風險合規 (GRC) 解決方案
  • 按最終用戶規模
    • 小規模
    • 中等大小
    • 規模大
  • 按詐欺類型
    • 內部的
    • 外部的
  • 按最終用戶產業
    • BFSI
    • 零售
    • 資訊科技/通訊
    • 醫療保健
    • 能源/電力
    • 製造業
    • 其他
  • 按地區
    • 北美洲
    • 歐洲
    • 亞洲
    • 澳洲/紐西蘭
    • 拉丁美洲
    • 中東/非洲

第7章 競爭格局

  • 公司簡介
    • 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8章投資分析

第9章 市場機會及未來趨勢

簡介目錄
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