Fraud Project Presentation


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Presentation of the Project on Fraud on cashless means of payment carried out by ADICAE

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Fraud Project Presentation

  1. 1. FRAUD IN MEANS OF PAYMENT: THE GREAT CHALLENGE FOR CONSUMERS ADICAE Association of Users of Banks, Savings Banks and Insurances from Spain ADICAE Asociación de Usuarios de Bancos, Cajas y Seguros de España
  2. 2. Índex <ul><li>Introduction. </li></ul><ul><ul><li>European Legislation </li></ul></ul><ul><ul><li>Cooperation in the fight against fraud </li></ul></ul><ul><ul><li>European Trends on Fighting Fraud in Means of Payment </li></ul></ul><ul><li>Seminars Project Overview </li></ul><ul><li>Main Activities </li></ul><ul><li>Main Objectives of the Project </li></ul>ADICAE
  3. 3. Introduction: European Legislation <ul><li>NOWADAYS </li></ul><ul><ul><li>Reccomendation from 30 July 1997: responsibility of the User limited to the first 150€ in case of fraud, except negligence in the custody or use of the credit card </li></ul></ul><ul><ul><li>Lack of legislation for E-Banking </li></ul></ul><ul><ul><li>Legislation in favour of the entities </li></ul></ul><ul><li>FUTURE: </li></ul><ul><ul><li>Payment Services Directive (2007): Entities must proof the lack of diligence in the use of the credit card </li></ul></ul><ul><ul><li>Uncertainity about consumer protection for new means of payment </li></ul></ul>ADICAE
  4. 4. Cooperation in the fight against fraud <ul><li>PAST </li></ul><ul><ul><li>Fraud usually committed individually </li></ul></ul><ul><ul><li>Fraud cases spread geographically </li></ul></ul><ul><li>NOWADAYS </li></ul><ul><ul><li>Fraud committed by criminal bands </li></ul></ul><ul><ul><li>Transnational networks aimed to fraud in means of payment </li></ul></ul><ul><ul><li>Resources obtained from fraud used for illegal activities (e.g., terrorism)‏ </li></ul></ul><ul><ul><ul><li>FIGHT AGAINST FRAUD IN MEANS OF PAYMENT MUST BE CARRIED ON THROUGH THE INTERNATIONAL COOPERATION AND WITH THE COLABORATION OF ALL THE STAKEHOLDERS </li></ul></ul></ul>ADICAE
  5. 5. European Trends on Fighting Fraud in Means of Payment <ul><li>EUROPEAN LEGISLATION </li></ul><ul><li>ACTION PLANS FROM THE EUROPEAN COMMISSION </li></ul><ul><li>CREATION OF EXPERT GROUPS </li></ul><ul><li>IMPLEMENTATION OF THE SINGLE EURO PAYMENT AREA (SEPA) </li></ul><ul><li>COOPERATION OF POLICE THROUGH EUROPOL </li></ul>ADICAE
  6. 6. <ul><li>Funded by DG JUSTICE, FREEDOM AND SECURITY from the Eurpopean Commission </li></ul><ul><li>Developed by 8 Consumer Associations in European Union: Czech Republic, Slovak Republic, Lithuania, Bulgaria, Romania, Italy, Slovenia and Spain </li></ul><ul><li>With the colaboration of the main stakeholders </li></ul><ul><ul><li>Card Issuers (VISA, Mastercard)‏ </li></ul></ul><ul><ul><li>Financial entities (Banks, Savins banks)‏ </li></ul></ul><ul><ul><li>Police </li></ul></ul><ul><ul><li>Justice </li></ul></ul><ul><ul><li>Security Companies </li></ul></ul><ul><ul><li>Official Institutions </li></ul></ul>ADICAE Fraud Project Overview
  7. 7. Partner's Seminars <ul><li>CZECH REPUBLIC: Prague,28 November 2008 </li></ul><ul><li>LITHUANIA: Vilnius, 16 December 2008 </li></ul><ul><li>BULGARY: Sofia, 28 January 2009 </li></ul><ul><li>ITALY: Rome, 30 January 2009 </li></ul><ul><li>ITALY: Rome, 13 February 2009 </li></ul><ul><li>ROMANIA: Bucharest, 23 March 2009 </li></ul><ul><li>SLOVAKIA: Bratislava, 7 April 2009 </li></ul>
  8. 8. Partner's Seminars <ul><li>BULGARIA: “ Prevention Campaign against </li></ul><ul><li>the Frauds in Means of Payment” </li></ul><ul><ul><ul><ul><ul><li>Sofia, January 28, 2009 </li></ul></ul></ul></ul></ul>
  9. 9. <ul><li>ITALY: “ Electronic Means of Payment. The </li></ul><ul><li>new boderline of fraud and economic crime. </li></ul><ul><li>To know them to prevent them” </li></ul><ul><ul><ul><ul><ul><li>Rome, January 30, 2009 </li></ul></ul></ul></ul></ul>Partner's Seminars
  10. 10. <ul><li>Test Seminar, 16 January 2009 </li></ul><ul><li>National Seminar, 3 April 2009 </li></ul><ul><li>INTERNATIONAL SEMINAR IN </li></ul><ul><li>BARCELONA End APRIL 2009 </li></ul><ul><li>INTERNATIONAL SEMINAR IN </li></ul><ul><li>MADRID JUNE 2009 </li></ul>ADICAE's Seminars
  11. 11. Main Activities <ul><li>Edition of materials (technical and formative)‏ </li></ul><ul><ul><li>Technical Catalogue of Fraud in Means of Payment </li></ul></ul><ul><ul><li>Simulator of Fraud, On-line Advising Service and Web Page </li></ul></ul><ul><ul><li>Other </li></ul></ul><ul><li>National Seminars in partner countries of the Project </li></ul><ul><li>National Seminar in Spain </li></ul><ul><li>European Symposium in Spain </li></ul><ul><li>End of the Project: June 2009 </li></ul>ADICAE
  13. 13. Main Objectives of the Project <ul><li>Continuity of the Project </li></ul><ul><li>Creation of a Fraud Observatory at a Eurpean level </li></ul><ul><li>Improve the cooperation among the main stakeholders </li></ul><ul><li>Improve the help to Consumers Association for the fight against fraud </li></ul><ul><ul><li>Prevention: Education for consumers </li></ul></ul><ul><ul><li>Cooperation with other stakeholders </li></ul></ul><ul><ul><li>Participation in legislative processes </li></ul></ul>ADICAE
  14. 14. <ul><li>THANKS FOR YOUR ATTENTION </li></ul><ul><li>CONTACT: Mr. Juan Manuel Viver, Responsible of International Projects, ADICAE [email_address] </li></ul><ul><ul><li> </li></ul></ul>ADICAE