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1、2024 Scams Impact Survey:USAInvestigating the impact of authorized push payment (APP)fraud/scamsFICO Proprietary ResearchConducted July 2024,published September 2024Survey2As real-time payments(RTP)grow and awareness increases,can you effectively balance protection and customer experience?US consume

2、rs are continuing to embrace real-time payments(RTP)services such as Zelle,Venmo,and CashApp.As the payments landscape evolves with RTP adoption,scams are following in the shadows,a threat which an increasing number of US consumers seem to recognize.Perceptions about RTP security are changing,with m

3、ore consumers feeling they are comparably safe to credit cards,yet an increasing number of individuals are reporting scam losses to their banks.Most US consumers are satisfied with their banks fraud resolution process,but their customer experience expectations are high:many want more automated fraud

4、 detection,and most would approve if their bank stopped a payment that was associated with a scam.An important note about the comparative data:The data referenced throughout comes from surveys FICO conducted in 2023 and 2024.Each survey asked more than 12,000 consumers across 14 countries their opin

5、ions and experiences regarding RTP usage,scams,and their banks scam management capabilities.When year-over-year comparisons are made,they refer to a comparison between these two surveys that asked the same question in each year the survey was conducted.Read on for more insights from our consumer sur

6、vey and to understand how you can help protect customers from scams.3RTP continues to grow More US consumers are sending more RTP.Those sending more than 5 to 10 RTP per month increased nearly 5%in 2024 to more than a quarter of respondents(27)%,while those using RTP 1 to 5 times a month remained ro