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

2、ices are growing in popularity in Peru.Most consumers in Peru have used them,and many have formed opinions about RTP utility and security.More Peruvians are experiencing scams and reporting losses than a year ago.Despite the lack of a national RTP infrastructure,a vast majority of Peruvians have sen

3、t and received RTP.And Peruvians 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 majority of

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

5、.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 their banks s

6、cams 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.3Changing the payments landscape Most consumers in Peru say they have sent RTP(97%)or received RTP(96%),rep