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

2、payments(RTP)services continue to impact consumers,though not to the level of other geographies surveyed by FICO.While a majority of consumers in Germany have used RTP,and many have formed opinions about its utility and security,the percentage of Germans who plan to increase RTP usage declined from

3、2023,bucking the global trend of increased usage.Perceptions about RTP security are changing,with more consumers feeling it is comparably safe to credit cards,yet an increasing number of individuals are reporting scam losses to their banks.A majority of German consumers say the top two ways their ba

4、nks can protect them better from scams are by using improved fraud detection and providing more notifications about known or emerging scams.Read this report for a deeper look at how German consumers are using RTP,experiencing scams and losses,and changing their opinions about RTP and scam defense.An

5、 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 their banks scam

6、 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:Changing the payments landscape The majority of consumers in Germany say they have sent RTP(83%)or receive