了解数字身份：以最小的客户摩擦打击欺诈和机器人并增加信任.pdf

1、Understanding Identity:Mitigate fraud at account opening and enhance trust with robust verificationDirector,Product Management(Fraud Solutions)Joyce Mac1 2024 TransUnion LLC All Rights ReservedAgenda2024 US Financial Services Summit1.Introduction2.Market landscape3.Introducing integrated identity ve

2、rification4.Case studies5.Q&A2 2024 TransUnion LLC All Rights Reserved2024 US Financial Services Summit3Market Dynamics 2024 TransUnion LLC All Rights Reserved4Increase in data breaches from 2020 to 2023157%US lenders exposure to Synthetic Fraud in 2023$3.1B 122%Rise in Digital fraud attempts from 2

3、022 to 2023Fraud catalyzed by widespread data breaches,and explosion of and advancements in the digital worldTransUnion Analysis Finds Synthetic Identity Fraud Growing to Record LevelsTransUnion 2024 Annual Fraud Report 2024 TransUnion LLC All Rights ReservedFraud isnt just about fraud;excessive fri

4、ction leads to excessive costs,frustrated customers,and can ultimately impact revenue5Sources:Risk Insights and Advisory Fintech Spotlight,Q2 2022|Aite-NovaricaReducing the Risk of False Positives|PYMNTS.comAre False Positives Really a“Thing”in 2022 for Vulnerability Management Programs-Edgescanof d

5、eclined sales transactions are false positivesgreater loss to false positives than actual fraud costs security professionals spend 3 hours per day validating false positives81%60%75x 2024 TransUnion LLC All Rights ReservedUnderstanding identity is more complex than everEvery new applicant must under

6、go an identity proofing process that involves many fragmented steps6Step-up challengeDigital identity risksCredit abuseSynthetic identityDevice reputationIdentity verificationDocument verificationLoan stacking 2024 TransUnion LLC All Rights ReservedAt the core of the problem is bad data7Unreliable D