FICO：2024年加拿大授权推送支付(APP)欺诈与诈骗的影响调查报告（英文版）（17页）.pdf

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

2、ents(RTP)services are still relatively new in Canada,most consumers in Canada have used them,many have formed opinions about their utility and security,and more are experiencing scams and reporting losses than a year ago.Despite the lack of a national RTP infrastructure,a vast majority of Canadians

3、have sent and received RTP.And Canadians are experiencing scams and losses as their usage increases.Perceptions about RTP security are changing,with more consumers feeling they are comparably safe to credit cards,yet an increasing number of individuals are reporting scam losses to their banks.A majo

4、rity(66%)of Canadian consumers say the top two ways their banks can protect them better from scams is through improved fraud detection and notifications.Read this report for a deeper look at how Canadian consumers are using RTP,experiencing scams and losses,and changing their opinions about RTP and

5、scams defense.An important note about the comparative data in this e-book.The data referenced throughout this e-book derives from two surveys FICO conducted in 2023 and 2024.Each survey asked more than 12,000 consumers across 14 countries their opinions and experiences regarding RTP usage,scams,and

6、their banks scams management capabilities.When year-over-year comparisons are made,they are referring to a comparison of these two surveys that asked the same question in each year the survey was conducted.3RTP continues to grow The majority of consumers in Canada say they have sent RTP(91%)or recei