1、GLOBAL STATE OF FRAUDAND IDENTITY REPORTLEXISNEXIS RISK SOLUTIONSLEXISNEXIS RISK SOLUTIONS Global State of Fraud and Identity Report2TABLE OF CONTENTS Introduction 03 1 EXECUTIVE SUMMARY 05 2 RESTORING TRUST WILL TAKE ALL OF US 11 3 NAVIGATING THE LIABILITY SHIFT 16 4 DETECTING ARMIES OF MULES 22 5

2、PROTECTING AN EXPANDING PAYMENTS ECOSYSTEM 26 6 TRANSFORMING EMERGING IDENTITIES INTO NEW CUSTOMERS 33 7 MOBILIZING BETTER AND SAFER BUSINESS 40 Conclusion 46 Regional and Industry Overviews 47 Sources 56LEXISNEXIS RISK SOLUTIONS Global State of Fraud and Identity Report3WELCOME TO THE GLOBAL STATE

3、OF FRAUD AND IDENTITYTRUST IS THE LIFEBLOOD OF OUR INCREASINGLY DIGITALIZED ECONOMY AND SOCIETY.When misinformation,fake news,deepfakes,phishing and other threats erode consumer confidence,it impacts organizations around the world.Fortunately,businesses and institutions are rising to this challenge.

4、Collaborating enables intelligence sharing,both to help improve experiences for legitimate consumers and to detect more risky or fraudulent activity.Restoring consumer trust gives organizations common purpose,across competitors,indus-tries and regions.Collaboration underpins the strategies we explor

5、e in this report,from addressing liability shifts and improving mule detection,to facilitating safer and faster trans-actions amid an expanding payment landscape.By working together more closely,while maintaining privacy and regulatory compliance,organizations around the world are not only restoring

6、 the foundations of trust,they are aligning more closely with emerging changes in consumer behavior.Businesses face more challenges in finding the right types and amount of data for consumer identity verification to distinguish between synthetic identities and lower-risk emerging identities.Safer bu