Fraud in cross-border e-commerce is growing as more consumers shop online. Common scams include fake auctions, products that are not delivered, credit card fraud, and identity theft. While EU law protects online shoppers, 12% of EU internet users report experiencing online fraud. This report examines the most common online scams, emerging fraud trends, tips to avoid fraud, and recommendations to improve consumer protection in e-commerce.
1) Egypt has one of the fastest growing e-commerce markets in the Middle East, with its market expected to reach $2.7 billion by 2020, nearly doubling from $1.4 billion in 2014.
2) Egypt has the largest number of online shoppers in the Arab world at 15.2 million, however other countries like the UAE and Kuwait have higher online shopping rates relative to their population.
3) The largest demographic of Egyptian online shoppers is males between 26-35 years old, who make up about 50% of purchases, while cash remains the most popular payment method.
E commerce in Poland - Softhis for BPCC @nowwwakMarcin Nowak
The document discusses eCommerce in Poland, including an overview of the Polish e-commerce market, characteristics of Polish e-consumers, and requirements for B2C solutions. It also covers latest eCommerce technologies in Poland and opportunities for UK firms to reach Polish consumers, using the example of the dominant Polish e-commerce platform Allegro. The large size of Allegro is noted as both an advantage and potential challenge. Trends toward omnichannel approaches and data-driven design are also mentioned.
The document provides an overview of the e-commerce sector in Egypt, outlining major trends, players, and challenges. Some of the key challenges facing e-commerce growth in Egypt include a lack of banking options, mistrust of online purchases, and outdated regulations. However, factors such as rising internet and smartphone penetration, as well as Egyptians' enthusiasm for online shopping, make Egypt an appealing market. The document also profiles major e-commerce players in Egypt across various sectors and payment options available.
The survey of over 1,000 Ukrainian exporters and importers found:
1. Respondents estimated the average share of "gray imports" (goods imported in violation of customs regulations) in their markets was 21.1%, down from previous years.
2. To reduce gray imports, respondents most often proposed simplifying customs procedures and reducing costs.
3. Over three-quarters supported criminalizing commercial goods smuggling, mostly without imprisonment.
4. Gray imports were not among the top obstacles for importers. Non-transparent customs valuation and delays in clearance were seen as bigger problems.
Nearly 40% of adult internet users in Saudi Arabia, around 3.1 million people or 12% of the total population, buy products and services online. Almost half of consumers in the Middle East own a credit card. Over two-thirds of the 90 million e-commerce users in the region are male, with the remaining third being female.
Sample Report: MENA B2C E-Commerce Market 2016yStats.com
Free Report Samples for our publication "MENA B2C E-Commerce Market 2016".
Find the full updated 2019 report available for purchase at: https://ystats.com/shop/mena-b2c-e-commerce-market-2019/
1) Egypt has one of the fastest growing e-commerce markets in the Middle East, with its market expected to reach $2.7 billion by 2020, nearly doubling from $1.4 billion in 2014.
2) Egypt has the largest number of online shoppers in the Arab world at 15.2 million, however other countries like the UAE and Kuwait have higher online shopping rates relative to their population.
3) The largest demographic of Egyptian online shoppers is males between 26-35 years old, who make up about 50% of purchases, while cash remains the most popular payment method.
E commerce in Poland - Softhis for BPCC @nowwwakMarcin Nowak
The document discusses eCommerce in Poland, including an overview of the Polish e-commerce market, characteristics of Polish e-consumers, and requirements for B2C solutions. It also covers latest eCommerce technologies in Poland and opportunities for UK firms to reach Polish consumers, using the example of the dominant Polish e-commerce platform Allegro. The large size of Allegro is noted as both an advantage and potential challenge. Trends toward omnichannel approaches and data-driven design are also mentioned.
The document provides an overview of the e-commerce sector in Egypt, outlining major trends, players, and challenges. Some of the key challenges facing e-commerce growth in Egypt include a lack of banking options, mistrust of online purchases, and outdated regulations. However, factors such as rising internet and smartphone penetration, as well as Egyptians' enthusiasm for online shopping, make Egypt an appealing market. The document also profiles major e-commerce players in Egypt across various sectors and payment options available.
The survey of over 1,000 Ukrainian exporters and importers found:
1. Respondents estimated the average share of "gray imports" (goods imported in violation of customs regulations) in their markets was 21.1%, down from previous years.
2. To reduce gray imports, respondents most often proposed simplifying customs procedures and reducing costs.
3. Over three-quarters supported criminalizing commercial goods smuggling, mostly without imprisonment.
4. Gray imports were not among the top obstacles for importers. Non-transparent customs valuation and delays in clearance were seen as bigger problems.
Nearly 40% of adult internet users in Saudi Arabia, around 3.1 million people or 12% of the total population, buy products and services online. Almost half of consumers in the Middle East own a credit card. Over two-thirds of the 90 million e-commerce users in the region are male, with the remaining third being female.
Sample Report: MENA B2C E-Commerce Market 2016yStats.com
Free Report Samples for our publication "MENA B2C E-Commerce Market 2016".
Find the full updated 2019 report available for purchase at: https://ystats.com/shop/mena-b2c-e-commerce-market-2019/
The e-commerce market in Russia saw slow growth in 2014-2015 due to economic crisis and currency fluctuations. Total e-commerce sales reached $21.4 billion in 2014, with domestic sales growing 3% and cross-border sales increasing more rapidly at 50% annually. Mobile commerce is an emerging trend, accounting for 10% of online purchases. Key drivers for future growth include expanding internet access, convenience of online shopping, and the potential of new product categories like groceries. International retailers may find opportunities through acquisitions as the competitive landscape changes.
Sample Report: Saudi Arabia B2C E-Commerce Market 2016yStats.com
Free Report Samples for our publication "Saudi Arabia B2C E-Commerce Market 2016".
Find the full report available for purchase at: https://ystats.com/shop/saudi-arabia-b2c-e-commerce-market-2019/
E-commerce in Russia: Situation and perspectivesAli Bulut
This document provides a summary of the e-commerce market in Russia. It discusses key trends such as strong growth in internet usage and the e-commerce market size. It outlines differences between regions in Russia. It profiles online shoppers and popular product categories. It also describes the types of merchants and emerging models like private shopping clubs and group buying. The document discusses payment methods and issues that still need to be addressed. It concludes with information about the company faberNovel that produced the report.
2014: Wikimart and the Russian Ecommerce HighlightsWikimart
The document discusses the Russian ecommerce market from 2014 to 2017. It notes that the market has doubled in size over the last 5 years and is one of the largest in Europe. However, most online retailers only operate in major cities like Moscow, leaving growth opportunities in other regions. The document predicts that from 2014-2017 the market will consolidate further and new players like financial investors will enter as retailers focus on efficiency amid economic challenges. It forecasts the market growing to $27 billion by 2017, led by categories like electronics, high-margin goods, and cross-border sales.
E-commerce transactions occur in developed markets (particularly in the United States, the United Kingdom, Northern Ireland, and Japan), developing countries have started to catch up recently, led by those in Asia where many have become important buyers and sellers of goods and services online. For example, the People’s Republic of China (PRC) now has the largest B2C market in the world, surpassing the United States. The PRC’s Alibaba Group has grown by 120% since 2013 and has 24,000 employees.
E-commerce in Vietnam is growing rapidly due to increasing internet penetration and smartphone usage. While online shopping is becoming more popular, e-commerce currently makes up a small portion of Vietnam's retail market. The payment infrastructure is also still developing, with many consumers preferring cash transactions. Mobile applications and social media are emerging areas for digital gifting, but security and credibility issues present challenges to further growth of e-commerce and digital gifts in Vietnam.
The online retail market in Russia reached $16.5 billion in 2013, growing by around 30% annually. Around 30 million Russians shopped online for physical goods. While still lagging major European countries, internet penetration in Russia is growing rapidly at over 10% per year. The largest segments are household appliances, electronics, clothing, shoes and accessories. The market is dominated by Moscow and St. Petersburg, but regional e-commerce is growing fast as internet access expands across Russia.
The document discusses e-commerce in Vietnam based on the experiences of Le Hai Binh, founder of Mat Bao Company. Some key points discussed include:
- E-commerce in Vietnam is still young and most businesses cannot be considered truly successful yet according to standard definitions of business success requiring decades of operation.
- Mat Bao's early attempts at online recruitment websites and a social music network in the 2000s and 2008 failed due to issues with marketing, community engagement, and online payment adoption in Vietnam.
- Successful e-commerce requires a mix of online and offline strategies to drive traffic, sales, and trust in online payments. Purely technical or online focus tends not to work.
-
Ricotio is an e-commerce platform that provides drop shipping services to connect retailers and suppliers across borders. It currently has operations in Estonia, Germany, and Russia with 30,000 catalogued SKUs from 8 suppliers servicing 3 retailers. Its mid-term goals include expanding to 15 subsidiaries across Europe, Turkey, Russia, and the Gulf, integrating over 7,800 retailers with a catalog of over 1 million SKUs and achieving $7 million in EBIT. In the long-term, Ricotio aims to become a full-scope e-commerce infrastructure provider offering wholesale aggregation, warehousing, fulfillment, logistics, shopping cart software, and payment processing.
Oorjit ‘The Perfect Platform to Engage Customers & Merchants’. We provide total solution for all kinds of e-commerce businesses. If your business idea is still nascent, we help you develop it and convert it into a successful business in the right sense.
E-Commerce Development in Armenia & FTA area in Post-Soviet statesHussein Nowruzi
This document provides an overview of e-commerce development in Armenia and surrounding post-Soviet states. It analyzes the economic and ICT environments of countries in the region based on various indices and indicators. Armenia's e-commerce sector is still developing, with online purchases making up only 4.2% of sales in Yerevan currently. However, some popular Armenian e-commerce startups are highlighted that show promise in the sector. The document also outlines investment incentives available in Armenia to encourage further development of e-commerce.
E-commerce in China has experienced rapid growth, with over 220 million internet users as of 2008. However, online shopping rates and spending remain relatively low due to obstacles such as payment issues, lack of logistics infrastructure, and lack of consumer trust. While P2P sites like Taobao dominate the market, international players like eBay have struggled, failing to gain significant market share against local competitors that focused more on building consumer trust. Regulations continue to limit foreign involvement in the telecommunications sector.
Product Brochure: Europe Online Payment Methods: First Half 2015yStats.com
This document is a market report on online payment methods in Europe in the first half of 2015. It provides key findings on preferences for different payment methods across Western and Eastern European countries. In Western Europe, card payments are most popular, while alternative methods like cash on delivery are more common in Eastern Europe. The report also notes a rising trend in mobile payments across the region. It includes data on online and mobile payment volumes, consumer attitudes and emerging players in different European payment markets between 2011-2015. The report methodology explains that information is gathered from various secondary sources to ensure objectivity.
Spire participated as a speaker for Global Supply Chain Council’s (GSCC) live webinar held on Wednesday, 20 December on diversity among Southeast Asia cross-border e-commerce shoppers.
Find out more about the scope of growth in India's logistics industry and how it supported by the E-commerce industry.
Learn about the impact of Covid on the E-commerce logistics industry in India and the trends in the industry.
The document is the 2014 European Casino Association (ECA) European Casino Industry Report. Some key points:
- It provides an overview of the European casino industry, including chapters written by ECA member countries.
- ECA has added chapters on new members Latvia and the UK and joined with the National Casino Forum to strengthen their influence.
- ECA represents close to €8bn industry with over 900 casinos and 70,000 employees in 25 European countries.
- Issues addressed include responsible gaming, challenges of online gambling, and fighting illegal online gambling operators.
In 2014, electronic payment fraud in Nigeria increased significantly. Internet banking and ATM transactions saw the highest fraud values, with attempted fraud reaching NGN 7.75 billion while actual losses were NGN 6.21 billion. Fraud peaked in the third quarter of 2014. While 1,461 fraud incidents were reported, only 41 suspects were apprehended, highlighting the need for improved collaboration between financial institutions and law enforcement to combat electronic payment fraud in Nigeria.
2014 China Online Retail Market Study Part 1 Concur
The document summarizes key aspects of China's online retail market. It finds that the online retail transaction volume reached RMB1.85 trillion in 2013 and is forecasted to surpass RMB3 trillion in 2015. Mobile retail has grown over 160% in 2013 and provides a more interactive shopping experience. Outbound online shopping from China is also expanding rapidly mainly due to product scarcity, quality and competitive pricing abroad. Popular product categories for outbound shopping include fashion and personal care items.
El documento describe varios deportes extremos, incluyendo el motocross, surf, paracaidismo, snowboarding, skateboarding y paintball. Proporciona breves descripciones de cada deporte y explica cómo implican riesgos físicos y adrenalina.
This document provides information about IPKeys Power Partners, a subsidiary of IPKeys Technologies that focuses on delivering secure technology services for energy, public safety, and Department of Defense sectors. It has over 225 employees with offices in New Jersey, California, Maryland, and Virginia. The document outlines IPKeys' service areas including demand response, energy management systems, and smart grid solutions. It also provides examples of demand response program structures and potential customer savings from participating in different markets and programs.
The e-commerce market in Russia saw slow growth in 2014-2015 due to economic crisis and currency fluctuations. Total e-commerce sales reached $21.4 billion in 2014, with domestic sales growing 3% and cross-border sales increasing more rapidly at 50% annually. Mobile commerce is an emerging trend, accounting for 10% of online purchases. Key drivers for future growth include expanding internet access, convenience of online shopping, and the potential of new product categories like groceries. International retailers may find opportunities through acquisitions as the competitive landscape changes.
Sample Report: Saudi Arabia B2C E-Commerce Market 2016yStats.com
Free Report Samples for our publication "Saudi Arabia B2C E-Commerce Market 2016".
Find the full report available for purchase at: https://ystats.com/shop/saudi-arabia-b2c-e-commerce-market-2019/
E-commerce in Russia: Situation and perspectivesAli Bulut
This document provides a summary of the e-commerce market in Russia. It discusses key trends such as strong growth in internet usage and the e-commerce market size. It outlines differences between regions in Russia. It profiles online shoppers and popular product categories. It also describes the types of merchants and emerging models like private shopping clubs and group buying. The document discusses payment methods and issues that still need to be addressed. It concludes with information about the company faberNovel that produced the report.
2014: Wikimart and the Russian Ecommerce HighlightsWikimart
The document discusses the Russian ecommerce market from 2014 to 2017. It notes that the market has doubled in size over the last 5 years and is one of the largest in Europe. However, most online retailers only operate in major cities like Moscow, leaving growth opportunities in other regions. The document predicts that from 2014-2017 the market will consolidate further and new players like financial investors will enter as retailers focus on efficiency amid economic challenges. It forecasts the market growing to $27 billion by 2017, led by categories like electronics, high-margin goods, and cross-border sales.
E-commerce transactions occur in developed markets (particularly in the United States, the United Kingdom, Northern Ireland, and Japan), developing countries have started to catch up recently, led by those in Asia where many have become important buyers and sellers of goods and services online. For example, the People’s Republic of China (PRC) now has the largest B2C market in the world, surpassing the United States. The PRC’s Alibaba Group has grown by 120% since 2013 and has 24,000 employees.
E-commerce in Vietnam is growing rapidly due to increasing internet penetration and smartphone usage. While online shopping is becoming more popular, e-commerce currently makes up a small portion of Vietnam's retail market. The payment infrastructure is also still developing, with many consumers preferring cash transactions. Mobile applications and social media are emerging areas for digital gifting, but security and credibility issues present challenges to further growth of e-commerce and digital gifts in Vietnam.
The online retail market in Russia reached $16.5 billion in 2013, growing by around 30% annually. Around 30 million Russians shopped online for physical goods. While still lagging major European countries, internet penetration in Russia is growing rapidly at over 10% per year. The largest segments are household appliances, electronics, clothing, shoes and accessories. The market is dominated by Moscow and St. Petersburg, but regional e-commerce is growing fast as internet access expands across Russia.
The document discusses e-commerce in Vietnam based on the experiences of Le Hai Binh, founder of Mat Bao Company. Some key points discussed include:
- E-commerce in Vietnam is still young and most businesses cannot be considered truly successful yet according to standard definitions of business success requiring decades of operation.
- Mat Bao's early attempts at online recruitment websites and a social music network in the 2000s and 2008 failed due to issues with marketing, community engagement, and online payment adoption in Vietnam.
- Successful e-commerce requires a mix of online and offline strategies to drive traffic, sales, and trust in online payments. Purely technical or online focus tends not to work.
-
Ricotio is an e-commerce platform that provides drop shipping services to connect retailers and suppliers across borders. It currently has operations in Estonia, Germany, and Russia with 30,000 catalogued SKUs from 8 suppliers servicing 3 retailers. Its mid-term goals include expanding to 15 subsidiaries across Europe, Turkey, Russia, and the Gulf, integrating over 7,800 retailers with a catalog of over 1 million SKUs and achieving $7 million in EBIT. In the long-term, Ricotio aims to become a full-scope e-commerce infrastructure provider offering wholesale aggregation, warehousing, fulfillment, logistics, shopping cart software, and payment processing.
Oorjit ‘The Perfect Platform to Engage Customers & Merchants’. We provide total solution for all kinds of e-commerce businesses. If your business idea is still nascent, we help you develop it and convert it into a successful business in the right sense.
E-Commerce Development in Armenia & FTA area in Post-Soviet statesHussein Nowruzi
This document provides an overview of e-commerce development in Armenia and surrounding post-Soviet states. It analyzes the economic and ICT environments of countries in the region based on various indices and indicators. Armenia's e-commerce sector is still developing, with online purchases making up only 4.2% of sales in Yerevan currently. However, some popular Armenian e-commerce startups are highlighted that show promise in the sector. The document also outlines investment incentives available in Armenia to encourage further development of e-commerce.
E-commerce in China has experienced rapid growth, with over 220 million internet users as of 2008. However, online shopping rates and spending remain relatively low due to obstacles such as payment issues, lack of logistics infrastructure, and lack of consumer trust. While P2P sites like Taobao dominate the market, international players like eBay have struggled, failing to gain significant market share against local competitors that focused more on building consumer trust. Regulations continue to limit foreign involvement in the telecommunications sector.
Product Brochure: Europe Online Payment Methods: First Half 2015yStats.com
This document is a market report on online payment methods in Europe in the first half of 2015. It provides key findings on preferences for different payment methods across Western and Eastern European countries. In Western Europe, card payments are most popular, while alternative methods like cash on delivery are more common in Eastern Europe. The report also notes a rising trend in mobile payments across the region. It includes data on online and mobile payment volumes, consumer attitudes and emerging players in different European payment markets between 2011-2015. The report methodology explains that information is gathered from various secondary sources to ensure objectivity.
Spire participated as a speaker for Global Supply Chain Council’s (GSCC) live webinar held on Wednesday, 20 December on diversity among Southeast Asia cross-border e-commerce shoppers.
Find out more about the scope of growth in India's logistics industry and how it supported by the E-commerce industry.
Learn about the impact of Covid on the E-commerce logistics industry in India and the trends in the industry.
The document is the 2014 European Casino Association (ECA) European Casino Industry Report. Some key points:
- It provides an overview of the European casino industry, including chapters written by ECA member countries.
- ECA has added chapters on new members Latvia and the UK and joined with the National Casino Forum to strengthen their influence.
- ECA represents close to €8bn industry with over 900 casinos and 70,000 employees in 25 European countries.
- Issues addressed include responsible gaming, challenges of online gambling, and fighting illegal online gambling operators.
In 2014, electronic payment fraud in Nigeria increased significantly. Internet banking and ATM transactions saw the highest fraud values, with attempted fraud reaching NGN 7.75 billion while actual losses were NGN 6.21 billion. Fraud peaked in the third quarter of 2014. While 1,461 fraud incidents were reported, only 41 suspects were apprehended, highlighting the need for improved collaboration between financial institutions and law enforcement to combat electronic payment fraud in Nigeria.
2014 China Online Retail Market Study Part 1 Concur
The document summarizes key aspects of China's online retail market. It finds that the online retail transaction volume reached RMB1.85 trillion in 2013 and is forecasted to surpass RMB3 trillion in 2015. Mobile retail has grown over 160% in 2013 and provides a more interactive shopping experience. Outbound online shopping from China is also expanding rapidly mainly due to product scarcity, quality and competitive pricing abroad. Popular product categories for outbound shopping include fashion and personal care items.
El documento describe varios deportes extremos, incluyendo el motocross, surf, paracaidismo, snowboarding, skateboarding y paintball. Proporciona breves descripciones de cada deporte y explica cómo implican riesgos físicos y adrenalina.
This document provides information about IPKeys Power Partners, a subsidiary of IPKeys Technologies that focuses on delivering secure technology services for energy, public safety, and Department of Defense sectors. It has over 225 employees with offices in New Jersey, California, Maryland, and Virginia. The document outlines IPKeys' service areas including demand response, energy management systems, and smart grid solutions. It also provides examples of demand response program structures and potential customer savings from participating in different markets and programs.
Edition 20 - Sharing in Petrobras - number 1/2006Petrobras
Petrobras had a very successful year in 2005. It achieved a consolidated net income of US$10.3 billion, 67% higher than 2004, due to increased production and higher oil prices. Petrobras' production averaged 2,217 thousand boe per day, a 10% increase over 2004. Petrobras declared five new oil and gas fields commercially viable in 2005. The company plans to invest $18 billion in 2006, 50% more than 2005, to fund exploration and production.
Exclusively designed for News Agencies - An innovative,end-to-end editorial and digital asset management system that covers all areas of news aggregation, event planning and workflows along with cross channel multimedia news distribution
The document provides information about changes to employee benefits in 2017 including changes to medical plans and networks. It encourages employees to research their options for urgent care centers versus freestanding emergency rooms to help save on costs. It also provides a reminder about tobacco surcharges and cessation programs to help control premium costs.
Este documento describe los logros de aprendizaje esperados en el núcleo de Relaciones Lógico-Matemáticas y Cuantificación para el primer y segundo ciclo. Presenta dos mapas de progreso: Razonamiento Lógico-Matemático y Cuantificación, con logros organizados en cinco tramos que van desde los 6 meses hasta los 6 años de edad. El objetivo es potenciar la capacidad de interpretar y explicar la realidad estableciendo relaciones lógico-matemáticas y cuantificando.
Thinkersco-Esic de la idea a la oportunidad de negocio - documentaciónDavid Albano
El documento presenta conceptos clave del diseño de productos y procesos como el mapeo de usuarios, prototipado, pruebas iterativas y modelos de negocio. Explica las diferentes etapas del proceso de diseño incluyendo la exploración, ideación, construcción de prototipos, pruebas y redefinición. El objetivo es desarrollar soluciones centradas en las necesidades de los usuarios a través de un enfoque iterativo.
La escala CIWA-Ar es el estándar de oro para evaluar la gravedad del síndrome de abstinencia alcohólica. Mide diversos síntomas en una escala de puntos para clasificar la abstinencia como leve, moderada o grave. Se usa para guiar el tratamiento farmacológico y ha demostrado reducir el uso de benzodiacepinas. Aunque su aprendizaje no es difícil, debe usarse varias veces al día en pacientes con abstinencia moderada-grave.
CTT&HH 2010 AGECAM, "Curso sobre la Gestión eficiente de Flotas de Transporte"HectorHMCenjor
"Curso sobre la Gestión eficiente de flotas de Transporte"
Se celebró con gran éxito y aforo completo de participantes de 9 horas a las 15:00 horas en la Dirección General de Industria, Energía y Minas en la ciudad de Toledo, patrocinado por el IDAE y organizado por AGECAM (Agencia de la Energía de Castilla La Mancha) colaborando la Camara de Comercio de Toledo y varias asociaciones de transportistas y empresarios de la provincia.
Participando como ponente en este curso: Héctor H. M. Cenjor director de Consulting CTT&HH, en la que habló de: "Gestión eficiente de flotas. Gestión del combustible y las medidas para el ahorro del mismo. Aptitud y actitud del gestor de flota y de los conductores" En esta exposición se trató esencialmente de la parte práctica a la hora de llevar a cabo y obtener éxito en un PGAC ( Plan Gestión y Ahorro de combustible) De como en CTT&HH consideramos los Recursos Humanos y la formación y motivación del personal de la Organización como el factor más importante a la hora de dirigirnos hacia un Transporte Sostenible.
Servicio de gestión de los Activos Físicos de las organizaciones como factor de mejora de la competitividad.
Abstract:
El hombre construye las máquinas y activos físicos en general y los opera pero, paradójicamente, es la principal causa de su indisponibilidad técnica. ¿Por qué?. Básicamente porque muchas veces los diseña, los usa o los repara mal. Actualmente se está trabajando en todo el mundo para convertir en norma ISO la PAS55 que daría marco de buenas prácticas de actuación a la Gestión de Activos Físicos. La ISO 55000 nos da el pie para el desarrollo del MBG (Mantenimiento Basado en la Gente) que toma la satisfacción de las necesidades objetivas del cliente interno de mantenimiento como la primera meta a cumplir. El mantenedor debe garantizarle capacidad para producir u operar adecuadamente.
La idea de MBG es hacer uso de varios de los conceptos de TPM y RCM pero parte del factor humano en la gestión operativa y técnica. Todo esto se puede estructurar así MBG=TPM+RCM+SIX SIGMA+CONFIABILIDAD OPERACIONAL+FACTOR HUMANO+….
También de debe tener cuenta la Confiabilidad Humana pero no solo desde la hipótesis de que las fallas debido a los seres humanos tienen raíz en el “error”, sino profundizando los sesgos cognitivos que son su mayor caldo de cultivo.
Disertante: Ing. Ricardo Pauro
Es egresado de UTN FRBA y dirige la Diplomatura en Gestión de Activos Físicos y Facilites. También el Centro de Investigación de Activos CIGAF y el Congreso de la especialidad. Con más de 30 años de experiencia, en distintas empresas hoy como consultor asesora a empresas de distintos rubros y países en Ingeniería de Activos Físicos, Gestión, Confiabilidad y Mantenimiento.
www.congresodecalidad.com.ar
CCC uses a mechanistic structure that is highly formalized and centralized. It is organized into
functional departments with strict rules and procedures. While this structure allows for efficient mass
production, it also leads to inflexibility and lack of innovation. As the environment changes and tasks
become more complex, CCC's structure may inhibit its ability to adapt. To remain effective, CCC will
need to introduce more organic elements, such as cross-functional teams, to balance efficiency with
flexibility.
Impacto de las tic en la educacion conferencista - felipe gilwilmer1232
El documento describe los componentes clave de una Ciudad del Conocimiento, incluyendo bases para el conocimiento, estructura económica, talento humano e infraestructura de acceso global. También describe cómo Medellín está implementando iniciativas para mejorar los ambientes de aprendizaje en las escuelas a través del uso de las TIC, incluyendo conectividad, equipos, capacitación docente y un portal educativo.
- Muscle strength is directly proportional to muscle cross-sectional area and is affected by factors like muscle length, velocity of contraction, and the type of contraction (eccentric, concentric, isometric).
- Common techniques to increase strength include progressive resistance exercise programs (DeLorme, Oxford) and exercising to muscle fatigue with both high and low weight.
- Physical agent modalities like heat, cold, ultrasound, electrical stimulation and massage can be used to treat muscle and joint conditions. Precautions must be followed for each modality.
- Manipulation techniques like mobilization, muscle energy and counterstrain are commonly used by physiotherapists to restore joint range of motion. Risks are generally
Key control and key management systems from KeyTracer using secure RFID technology. Electronic key cabinets and lockers provide real time tracking and security for keys and assets.
les queremos presentar nuestro grupo de medios CLEVER COMUNICACIÓN TENERIFE SLU en nuestro grupo presentamos 3 medios en 2 idiomas
RADIO MEGAWELLE emisora de radio en idioma aleman,
103,7 MHz (costa norte entre Los Silos y Tacoronte / Aeropuerto Norte) 95,7 MHz (de la costa suroeste completo entre Los Gigantes y Los Cristianos, y partes de la costa sur de Las Chafiras) 88.3 MHz (Los Cristianos, sur de la costa hasta San Isidro / Pol. Ind. Granadilla/ Aeropuerto Sur) Radio Megawelle se escucha también en partes de las islas: La Gomera (entre la capital de San Sebastián y Playa Santiago) en La Palma (entre la punta sur de la isla en la costa este hasta cerca del aeropuerto de Mazo / Breña Alta) y Gran Canaria (Puerto Mogán).
El programa también se escucha por Internet www.megawelle.fm y en la APP RADIO MEGAWELLE TENERIFE
Magazine MEGAWELLE revista mensual en idioma alemán
dedicado al turista y residente de idioma alemán. Informamos de los temas actuales, puntos turisticos, cultura y tradiciones de nuestras islas.
Formato: DIN A4 48 páginas incl. cubierta, Papel: Couche brillo de 90 gr/m2 Cubierta: Couche brillo de 135gr/m2. Encuadernación: grapada. Tirada 8.000 ejemplares (tirada distribuida) Difusión: controlada por PDG/OJD Precio: La revista y la distribución gratuita.
En nuestra página web www.megawelle.fm también publicamos todos nuestros artículos en español.
Magazine ICARUS revista bimensual en idioma ruso
dedicado al turista y residente de idioma ruso. Informamos de los temas actuales, moda, restaurantes, lujos, puntos turisticos, cultura y tradiciones de nuestras islas.
Formato: DIN A4 52 páginas incluso cubierta, Bimensual (febrero, abril, junio, agosto, octubre, diciembre). Papel: Couche brillo de 100 y 200 gr/m2 Encuadernación: grapada Tirada 8.000 ejemplares (tirada distribuida) controlado por PDG/OJD
With the growth of internet usage, cyber crime is going to become a real threat for cityzens. TNS has carried on a survey for the European Commission, Special Eurobarometer - March 2012, 27 Countries surveyed, to understand perceptions on this increasing big issues.
European b2c e commerce report 2015 light 20150615.pdfNikolay Komarov
This document provides a summary of the European B2C E-commerce Report 2015 published by Ecommerce Europe. Some key points:
- It analyzes B2C e-commerce trends and statistics across European countries and regions in 2014 and provides forecasts for 2015.
- Total B2C e-commerce sales in Europe reached €423.8 billion in 2014, up 14.3% from the previous year, with the largest markets being Western Europe, Central Europe, and Southern Europe.
- Mobile commerce and cross-border e-commerce are growing significantly. National regulations and payment methods still present barriers to cross-border trade within Europe.
- The report was produced by the Ecommerce Foundation in
Suggestions to improve European Online Payments Regulation - CleverAdviceCleverAdvice
According to available data, the payments industry has effectively managed online risk, with payment
fraud rates consistently declining at the European level over the last 6 years. Regardless, the European
Banking Authority has mandated strict guidelines that require Strong Customer Authentication (SCA) for
a number of online payment transactions.
SCA is a strict and burdensome process, requiring customers to actively intervene in authenticating all
transactions regardless of their risk. This negatively impacts the customer’s online experience and results
in increased transaction abandonment.
A valid alternative to SCA is Targeted Authentication, which applies authentication techniques
commensurate to the risks associated with each transaction, adjusting the level of customer intervention
accordingly. Targeted Authentication has proven to offer fraud prevention levels matching those of
traditional strong authentication techniques without deteriorating customer experience, ultimately
leading to higher conversion at checkout.
Regulators can ensure a high level of security and a low level of fraud by setting a quantitative fraud rate
level. Payment service providers that achieve levels of payment fraud at or below the determined rate
should be allowed to offer authentication techniques alternative to SCA.
This would provide more tangible benefits for consumers now and in the future than mandating a
technique and foster ongoing development of innovative fraud prevention solutions against continuous
and increasingly sophisticated fraudsters’ attacks.
The opportunity to offer authentication techniques that bring higher conversion would also stimulate
investments in innovation, healthy competition and e-commerce growth in Europe.
Рынок средств электронной индентификации в Европе: Технологии, инфраструктура...Victor Gridnev
This document summarizes a report on the state of the electronic identity market in Europe. It finds that the eID market is still immature and fragmented, and that eID technologies have not been fully utilized to enable the digital economy or cross-border online services. However, trusted online identity management and authentication are seen as essential for the digital economy. The report recommends further research on interoperable credentials, mobile authentication, and assessing the socioeconomic impacts of eID initiatives to help realize the potential of eID.
Product Brochure: Europe Online Payment Fraud And Security 2019yStats.com
Product Brochure with summarized information of our publication "Europe Online Payment Fraud And Security 2019".
Find more here: https://www.ystats.com/market-reports/europe-online-payment-fraud-and-security-2019/
Le marché européen B2C e-commerce poursuit sa croissance
Le marché européen B2C e-commerce a poursuivi sa croissance à deux chiffres en 2015. Avec un taux de 13,3% (2014: 13,6%) de croissance, les ventes B2C en ligne en Europe ont atteint 455,3 milliards € en 2015.
Pour 2016, il est prévu que le taux de croissance va diminuer un peu plus, à 12,0%. En conséquence, le chiffre d'affaires européen B2C e-commerce devrait atteindre la marque de 500 milliards € en 2016 (509,9 milliards €). Ces chiffres proviennent du rapport européen B2C E-commerce, qui a été commandé par Ecommerce Europe et créé par la Fondation E-commerce. Ce rapport donne un aperçu des chiffres de e-commerce européens, y compris les ventes en ligne, le nombre de clients Internet et la part du commerce électronique dans le PIB européen. En outre, le rapport européen B2C E-commerce 2016 offre les principaux chiffres de 25 principaux marchés européens en termes de e-commerce.
This report is a starting point for public-private dialogue to address e-commerce bottlenecks, especially for small firms in developing countries. Small firms face policy challenges in four processes typical to all e-commerce: establishing online business, international e-payment, international delivery and aftersales. To improve competitiveness, challenges must be met within the firm, in the business environment and by governments. The report provides checklists for policy guidance, as well as case studies from e-commerce entrepreneurs in developing countries.
Digital Single Market - consumers perspective - Lisbon going localMichal Mottl
This document discusses barriers to e-commerce in the European Union and initiatives to develop a digital single market. It notes that only 15% of EU consumers buy online from other EU countries, and outlines problems with cross-border orders like sellers not serving other countries. Data on e-commerce in Portugal is presented. The digital single market initiative aims to unlock e-commerce potential in Europe through actions like harmonizing contract rules, improving parcel delivery transparency and costs, addressing copyright issues, and banning unjustified geo-blocking. An e-commerce sector inquiry also examines restrictions erected by companies.
Fraud Prevention in International CommerceSecure Trading
SecureTrading's Head of Sales & Marketing, Tim Allitt's presentation to the BT Fresca client conference on 25th May 2011. Tim presented to over 75 retailers about the benefits of 3-D Secure, International Payment methods and current counter-fraud measures.
This document is a major project submitted by Shrishti Raxwal on the topic of e-commerce and business society. The project contains chapters on e-commerce, business society, a case study of Amazon, research methodology, and conclusions. It provides an overview of the emergence of e-commerce, how it affects different types of businesses, and its advantages and disadvantages. The document outlines the objectives of analyzing how e-commerce has impacted business models and society.
This document summarizes the key findings of a large pan-European online survey conducted in 16 countries in 2009 on digital media consumption. The survey included over 32,000 internet users and was representative of each country's online population. It covered topics like mobile internet usage, online activities, e-commerce purchases, and preferences for accessing content on mobile versus PC. The findings were enriched through an international online discussion board and the author's expertise in digital research.
Case study shows that E-Apostille use will grow by 24.39% to 5.1 million globally by 2024
Summary of key finding of the e-Apostille case study:
Since 2016, over 11 million e-apostilles have been issued worldwide.
Since 2018, over 2 million e-apostilles are issued worldwide every year.
2019 marked a historic high in the number of e-apostilles issued worldwide (3.5 million).
34% of all countries in the Hague Conference issue and accept e-Apostilles. 41 Contracting Parties have implemented one or both e-APP’s components.
e-Apostille use will grow by 24.39% to 5.1 million globally by 2024 Brodmin Ltd
E-Apostille Case Study:
Traditionally, countries issuing apostilles have always created and issued them using paper. These were printed and filled by hand, then attached to the document in question by a seal or adhesive.
Technological changes have made it possible to create and issue apostilles in digital formats, called e-apostilles.
These have become more popular as the digital record market, and digital verification of these documents grows.
https://apostillelondon.com/blog/e-apostille-case-study/
The e-commerce market in Poland is one of the fastest growing in the EU, with a nearly 25% year-over-year growth rate. There are approximately 10 million online shoppers in Poland who spend on average €550 per year. The most popular e-commerce website is the marketplace Allegro, which has over 57% reach among internet users. While internet penetration is only around 65% in Poland, the e-commerce sector continues expanding rapidly and is expected to reach €25 billion by 2020.
The Digital Consumer Guide to Online ShoppingSumit Roy
Consumers are increasingly using digital devices and online channels to research and purchase products. Over 60% of consumers research electronics and mobile products online before purchasing, and nearly half make over 25% of purchases online. Mobile devices are also becoming a major shopping tool, with over 20% of consumers using phones for product research in stores. To succeed, companies must understand these digital consumer journeys and align their digital marketing strategies across websites, mobile apps, social media, and other online touchpoints. Those that invest in digital and offer personalized promotions on owned channels will be best positioned to capture the growing online retail opportunity.
The document outlines 7 problems hindering the development of a digital single market in the EU: 1) Cross-border e-commerce rules that do not allow consumers and businesses to operate freely across borders, 2) High costs of cross-border parcel delivery, 3) Unjustified restrictions on selling to other EU countries like geo-blocking, 4) High VAT compliance costs for cross-border sales, 5) Fragmented copyright rules obstructing data use, 6) Lack of consistent regulations for online platforms, and 7) Low broadband access and digital skills limiting growth of the digital economy.
The G20 e-Trade Readiness Index, a new ranking published by The Economist Intelligence Unit and sponsored by eBay, looks at how prepared G20 countries are to capitalise on global e-trade opportunities.
At the top, the index shows Australia’s all-round strength, particularly its affordable Internet access, high smartphone penetration and use of electronic payment methods. Island nations fared well, making up three of the top five spots—as well as Australia, the UK came in fourth and Japan in fifth. These economies have long relied on international trade and look well-positioned to continue this with e-trade opportunities.
The report also warns that customs and regulatory restrictions could hamper SMEs’ ability to grow through e-trade. SMEs tend to ship smaller parcels to a variety of locations and cannot always benefit from shipping in bulk. Customs procedures in some countries can also be more trouble than they are worth for small packages.
Know More Aboutb e-Apostille Case Study.pdfmarcelinSingh
Case study shows that E-Apostille use will grow by 24.39% to 5.1 million globally by 2024. Summary of key finding of the e-Apostille case study:
Since 2016, over 11 million e-apostilles have been issued worldwide.
Since 2018, over 2 million e-apostilles are issued worldwide every year.
Similar to Ecc report-cross-border-e-commerce en (20)
Praktični vodič za one koji rade ili namjeravaju raditi u drugoj državi Europske unije objavila je Europska komisija u suradnji s državama članicama. Novi vodič na engleskom jeziku nudi veću jasnoću primjene zakonodavstva koje se odnosi na radnike u Europskoj uniji, Europskom ekonomskom području (EEA) i Švicarskoj.
Europa 2020., Europska strategija rastaAna Smilović
Kao i većina ostalih regija diljem svijeta, Europa prolazi kroz razdoblje preobrazbe. Svjetska gospodarska kriza izbrisala je godine gospodarskog i društvenog napretka i razotkrila strukturne slabosti njezina gospodarstva. Istovremeno se pojačavaju razni dugoročni izazovi poput globalizacije, pretjeranog iskorištavanja prirodnih resursa i starenja stanovništva. Želimo li se prilagoditi toj novoj stvarnosti, Europa ne može jednostavno nastaviti kao dosad. Sa strukturnim slabostima europskog gospodarstva otkrivenima u krizi možemo se suočiti jedino uz pomoć strukturnih reformi: reformi koje se doduše temelje na individualnim naporima svih država članica, ali se i oslanjaju na europske vrijednosti poput jedinstvenog tržišta, zajedničke trgovinske politike i drugih politika na razini EU-a. Ako u trenutnoj nepovoljnoj klimi želimo održati model europskog socijalnog tržišnog gospodarstva, Europa mora postati konkurentnija. Da bi se suočile s tim izazovima, Europska unija i države članice su 2010. pokrenule strategiju održivog rasta za iduće desetljeće: strategiju Europa 2020. Ona je posvećena kratkoročnim izazovima povezanima s krizom, ali i potrebi za strukturnim reformama pomoću mjera za poticanje rasta potrebnih da bi se europsko gospodarstvo pripremilo za budućnost.
Što je Europski parlament? Zašto i kako je nastao? Čime se bavi? Koje su njegove ovlasti i politički utjecaj? U kojem je položaju naspram drugih institucija Europske unije? Koje su nove ovlasti Parlamenta od stupanja na snagu Ugovora iz Lisabona? Što Parlament želi postići u Europi i svijetu i kako to utječe na svakodnevni život građana? Koji su novi izazovi s kojima se danas suočava? Naposljetku, što Parlament radi za vas i zašto je važno iskoristiti mogućnost izbora vaših europskih zastupnika? Taj popis pitanja sigurno nije konačan, a ova publikacija pokušava jasno i precizno odgovoriti na ona koja su ovdje postavljena. Iz odgovora koje ćete dobiti vidjet ćete da vam je Europski parlament zaista vrlo blizu te da vas, kao građane Unije, svakodnevno zastupa.
Space research : space research projects under the 7th framework programme for research (5th call)
Civilisations have always wondered what is beyond the sky. But it is only recently that the limitless possibilities provided by space science and technology came into stronger spotlight and started to be used to the full. The EU has been playing a significant role in this process, in particular through the FP7 space research programme. The 5th FP7 space call brochure – through presentation of 50 projects divided into four categories (Copernicus applications and data; space technologies; space science and data exploitation; cross-cutting issues) – aims at giving a comprehensive overview of Europe's endeavours to fully, yet sustainably, use space for purposes ranging from excellent reception of TV signal to helping victims of earthquakes and other natural disasters
Europsko istraživačko vijeće (ERC) je prvo europsko tijelo za namijenjeno za podršku istraživanja kroz otvorene i izravne konkurencije. Njegov glavni cilj je potaknuti znanstvene izvrsnosti u Europi podržavajući i ohrabrujući najbolje, uistinu kreativne istraživačima, neovisno o nacionalnosti i dobi, koji se nalazi bilo gdje u svijetu, identificirati i istražiti nove mogućnosti i smjerove u svakom području istraživanja. Prijedlozi adresiranje novih ili novim područjima i uvođenje nekonvencionalne, inovativne pristupe i znanstvene izume su ohrabreni.ERC nudi dugoročne potpore, koji posluju na "bottom-up" osnovi, bez unaprijed utvrđenim prioritetima istraživanja
2. Fraud in cross-border e-commerce
Contents
Contents
FOREWORD...................................................................................................................3
SCOPE........................................................................................................................... 4
INTRODUCTION ............................................................................................................5
MOST COMMON FRAUDS .......................................................................................... 6
EMERGING ISSUES IN ONLINE FRAUD....................................................................... 10
TIPS & TRICKS TO AVOID BEING SCAMMED............................................................. 15
GENERAL ONLINE SHOPPING CHECKLIST............................................................18
RESPOND QUICKLY IF YOU ARE THE VICTIM OF FRAUD....................................19
LEGAL PROTECTION OF CONSUMERS ...................................................................... 19
WHERE CAN CONSUMERS REPORT A SCAM? ..................................................... 21
THE EUROPEAN CYBERCRIME CENTRE (EC3)......................................................22
CONCLUSIONS AND RECOMMENDATIONS .............................................................23
CONTACT DETAILS FOR ECCS.....................................................................................25
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3. Fraud in cross-border e-commerce
FOREWORD
Fraud in cross-border e-commerce is a report prepared by the European Consumer Centres Network
(ECC-Net) which looks at scams faced by consumers when shopping online. There are European
Consumer Centres in 30 countries covering all of the Member States of the European Union, plus
Iceland and Norway. European consumer centres are co-funded by the European Commission and
national consumer authorities. The aim of the network is to increase consumer confidence in the
European internal market by providing consumers with information on their rights under European
consumer legislation, and by giving advice and assistance in the resolution of their individual crossborder complaints. ECC-Net cooperates in joint projects to investigate specific sectors where
consumers experience particular difficulties.
Although EU legislation protects consumers when purchasing goods or services online, the number
of consumers who experience online fraud is growing. What exactly is a fraud? Fraud is an intentional
deception, done for personal gain or for the purposes of damaging another individual. Internet fraud
refers to fraud that is committed with the help of the internet. This concerns fraud done via e-shopping
but also through the use of internet services, such as chat-rooms, e-mails, message boards or even
software to allegedly defraud victims or to otherwise take advantage of them. Fraud can be related
to fake auctions, products that will intentionally not be delivered, credit and debit card fraud, check
fraud, identity theft and phishing.
Many frauds that migrated to the Internet have existed in one form or another for years but are
facilitated by the internet and can reach a huge number of consumers at the same time and across
border. Technology also allows more and more advanced fraud technics.
This report was led by ECC Lithuania, together with ECC Ireland, ECC Belgium and ECC Slovenia. These
Centres have formed the working group for the project.
The views and interpretations reflected in this report are not those of the European Commission or
the national funding bodies. They are solely those of the working group based on their conclusions
and the data submitted to the working group by all project participants.
Miglė Akulevičienė, Jaunė Dalinkevičiūtė
ECC Lithuania
info@ecc.lt
Ann Neville, Caroline Curneen
ECC Ireland
Xavier Hopchet
ECC Belgium
Jana Huč Uršič
ECC Slovenia
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4. Fraud in cross-border e-commerce
SCOPE
The objective of this project is to highlight the problems and risks faced by consumers when shopping
online and to provide them with tips and practical advice on how to avoid falling victim to scams.
It is evident that the number of consumers making online purchases is growing steadily, with 45%
of European consumers having bought over the Internet in the past year. According to industry
estimates, Europe represents the largest B2C e-commerce market in the world, accounting for a 35.1%
share of global B2C e-commerce.1
E-commerce has many advantages: from which the most important are the global choice of goods and
services, attractive prices that can be reached 24/7 even from your couch, with delivery at your door. It
also has some disadvantages however; you cannot physically inspect the goods before buying them,
you often do not know the websites and so do not know whether you can trust them, you usually have
to pay before receiving the order and then wait for it to be delivered.
The project focuses on the issue of fraud in cross-border e-commerce. 12% of internet users across
the EU have already experienced online fraud, and 8% have fallen victim to identity theft. The highest
figures of internet users that say they have experienced online fraud are in Poland (18%), Hungary (17%),
Malta (16%) and UK (16%), while respondents in Greece (3%), Slovenia (6%) and Spain (7%) are least likely
to have experienced online fraud.2 Therefore the main questions which are raised in the project are:
What is a scam?
How do scammers target consumers?
How to avoid fraud in cross-border e-commerce?
How to ensure the safety of e-purchases?
What are the most common frauds that consumers face?
How are consumers protected when engaging in e-commerce? Is this sufficient?
How could ECC-Net help improve consumer knowledge of scams?
1
Source: The European B2C E-commerce report, Ecommerce Europe, May 2013, available at: http://www.retailexcellence.ie/
images/uploads/downloads/members_resources/Europe_B2C_Ecommerce_Report_2013_-_August.pdf
2
Source: Special Eurobarometer 390 on Cyber Security, July 2012, available at: http://ec.europa.eu/public_opinion/archives/
ebs/ebs_390_en.pdf
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5. Fraud in cross-border e-commerce
INTRODUCTION
Research shows that 70% of Europeans use the internet regularly.3 Almost half of EU consumers (45%)
shop online, with 11% shopping from traders based in another European country.4 Consumers choose
to shop online as it offers them greater choice and value for money, and such savings have been
estimated to amount to €11.7 billion or 0.12% of EU GDP.5 The European Commission has set ambitious
targets for the growth of e-commerce, with the Digital Agenda establishing targets of 50% of the
population buying online and 20% buying online cross-border by 2015.
With increasing internet use and online shopping comes the risk of exposure to online fraud. As
fraudulent practices are criminal activities, accurate figures about their incidence are difficult to
access. But it is clear cheap methods of mass communication, such as email and the internet, can be
used to perpetrate fraud and mass marketed consumer fraud is a feature of the globalised economy.
The UK’s National Fraud Authority publishes an Annual Fraud Indicator report which for 2013 estimates
that cyber-fraud represented 41% of all crimes reported to the Action Fraud agency, with an average
individual loss of £3 689.6 Europol suggests that victims lose around €290 billion each year worldwide
as a result of cybercrime making it more profitable than the global trade in marijuana, cocaine and
heroin combined.7
The perceived prevalence of internet fraud has affected consumer behaviour. For example, the
sluggish uptake of cross-border e-commerce has been attributed, in two EU research reports, to fears
of online fraud. In a consumer survey, 62% of consumers who had not made a cross-border distance
purchase said that fears about fraud put them off8. In another survey, around a fifth of respondents
expressed concerns that the payment card details may be stolen (21%) and that personal data may be
misused (19%) when buying products online in another EU country. At the same time, each problem
was actually experienced by less than 0.2% of online shoppers9. In general, over half of consumers
(54%) say that they are most likely to come across misleading/deceptive or fraudulent advertisements
or offers on the Internet — far more than those who mention phone (18%), post (15%), doorstep selling
3
Digital Agenda for Europe: Internet use and skills, available at https://ec.europa.eu/digital-agenda/sites/digital-agenda/files/
DAE%20SCOREBOARD%202013%20-%203-INTERNET%20USE%20AND%20SKILLS.pdf
4
Consumer Conditions Scoreboard, Consumers at home in the single market, Ninth Edition, July 2013 available at hhttp://
ec.europa.eu/consumers/consumer_research/editions/docs/9th_edition_scoreboard_en.pdf
5 Consumer market study on the functioning of e-commerce and Internet marketing and selling techniques in the retail
of goods, Study on behalf of the European Commission, DG SANCO, 2011, available at http://ec.europa.eu/consumers/
consumer_research/market_studies/docs/study_ecommerce_goods_en.pdf
6
National Fraud Authority, Annual Fraud Indicator, June 2013, available at https://www.gov.uk/government/uploads/system/
uploads/attachment_data/file/206552/nfa-annual-fraud-indicator-2013.pdf
7 https://www.europol.europa.eu/ec/cybercrime-growing
8
62% of consumers who had not made a cross-border distance purchase said that fears about fraud put them off: 5th
Consumer Scoreboard and Flash Eurobarometer 299. ‘Consumer attitudes towards cross-border trade and consumer
protection’, March 2011, http://ec.europa.eu/consumers/consumer_research/editions/docs/consumer_eurobarometer_2011_
en.pdf.
9
Consumer market study on the functioning of e-commerce and Internet marketing and selling techniques in the retail of
goods, Study on behalf of the European Commission, DG SANCO, 2011.
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6. Fraud in cross-border e-commerce
(14%) or shops (5%). People with home internet access are even more likely to regard the Internet as a
primary source of this kind of advertising (61 % vs 24.6 %)10.
Fraud in general tends to be under-reported and online fraud even more so. For that reason the
complaints handled by the European Consumer Centres Network (ECC-Net) offer a valuable source of
data relating to the incidence of online fraud. The aim of ECC-Net is to provide consumers with a wide
range of services, from providing information on their rights when shopping across borders to giving
advice and assistance with their complaints and the resolution of disputes.11 The complaints handled
by ECC-Net provide a snapshot of the difficulties which consumers encounter when they shop online.
This report analyses the complaints reported by consumers to ECC-Net during 2012 and provides an
analysis of the main areas where consumers reported detriment due to clearly fraudulent practices
during the year.
MOST COMMON FRAUDS
The working group circulated a questionnaire to all ECC-Net centres to gather information on the most
common scams reported by consumers and seek details of any emerging scams. A total of 27 ECCs
responded to the questionnaire. The column bar below shows the number of ECCs that reported fraud
in specific areas.
Number of ECCs reporting that the following type of fraud is frequent (among the 27 ECCs which
participated to the project)
10
Flash Eurobarometer 358 ‘Consumer attitudes towards cross-border trade and consumer protection’, June 2013, http://
ec.europa.eu/public_opinion/flash/fl_358_en.pdf
11 Help and advice on your purchases abroad, the European Consumer Centres Network 2012 Annual report, available at http://
ec.europa.eu/consumers/ecc/docs/report_ecc-net_2012_en.pdf
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7. Fraud in cross-border e-commerce
Some types of scams are widespread and were reported by nearly all ECCs participating to the project.
70% of them mentioned fraudulent websites selling implausibly cheap electronic products that in fact
are never delivered. Consumers are attracted by the low prices on some websites that may offer a
significant discount on popular electronic products such as smartphones or cameras. Usually there
is no option to pay by credit card, or there is a prohibitively expensive charge to do so and a bank
transfer is generally required. These shops appear online; gather as many advance payments as
possible, only to disappear from the web, leaving their customers without money nor the product.
The trader generally requests payment via a money wiring company which leaves the consumer with
no recourse when the item fails to arrive.
Case study
A Bulgarian consumer was contacted by a British seller on Skype. The consumer ordered three mobile
phones for the total price of 600 USD which was paid via a money transfer service. The consumer had
suspicions about the trader’s credibility, but as the price was so low he wanted to buy anyway. The
trader reassured him that he had a legitimate business in the United Kingdom and he could easily
be pursued in case of non-compliance. After a few days the trader requested the consumer to pay
an additional 750 USD for tax and custom fees. The consumer paid this money as well but received
nothing. Then he was asked to pay 1000 USD more. The consumer did not agree and asked for his
money back. The trader refused and the consumer filed a complaint to the ECC in Bulgaria. The case
proved to be a fraud and was closed without a solution because it is impossible to reach amicable
solutions with fraudulent cases.
Another common scam involves the sale of used cars online. 45% of participating centres responded
that this was one of the most common scams reported to them. Consumer finds a very attractive offer
on the internet. Websites publish adverts offering incredible discounts or very low prices. The seller
often says they are moving abroad or needs the money urgently because of financial problems due to
the crisis. After choosing a car in an online advertisement portal, the consumer gets in touch with the
seller who provides the consumer with full information on the car. The seller often insists on the use
of a shipping company as an escrow service to ensure ‘payment security’. Before transportation the
consumer is required to pay a deposit and the balance has to be paid after the car receipt. After the
payment is done (generally requested by the scammer to be made by bank transfer or money wiring
service), the consumer receives information on what date and time the car will be delivered. As no car
is delivered, consumer contacts the trader regarding this. The seller informs him that the car has been
blocked on the customs and that a duty is needed to release it. The trader asks to make additional
payment to the seller or the courier. Regardless of consumer‘s actions (payment made or not), the
seller and the currier disappear without having delivered the good. A variation of this scam may see
used cars offered for sale on fake websites. The consumer is often asked to make the prepayment
via money transfer. After the money is received, usually the website is deactivated and the “trader”
does not respond to any emails and the given tracking number of the order is false. The seller just
disappears.
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8. Fraud in cross-border e-commerce
Scams involving the sale of counterfeit products are also frequent and these were highlighted by
41% of ECC offices participating. A consumer finds a very good offer for a low price in the internet
(generally for designer or popular branded products) on a website, purporting to be based in the
EU. Some fraudulent websites take great steps to look like the official distributor of the brand and
often the website address looks quite genuine. The products are stated to be less expensive because
the website claims to be an ‘outlet’. The consumer orders an item and payment is often requested by
money transfer. These companies are usually located outside Europe. When the products arrive in the
EU, they can be intercepted by customs and destroyed. Consumers may lose their money and often
receive a warning from a trademark office asking them to pay compensation. When the consumer tries
to contact the trader, he finds out that the contact details of the company are also fake. Consumers
should remember that in some member states buying counterfeit products is considered a criminal
offence. Some counterfeit products such as medicines or car components are simply life-threatening.
30% of ECC offices reported receiving a large number of complaints regarding free-trial scams and
this is known to be a common problem across ECC-Net. In adverts on social network sites and other
websites, there are often offers to sample miracle products free of charge, different test packages of
health-related and other products, different services (for example downloads of free applications, like
Adobe Reader, Open Office, Skype; song lyrics; tattoos; poems; cooking recipes; dating services; the
possibility to use the trader’s website), which hide important information about costs and the duration
of a contract in the terms and conditions. In order to avail of the offer, consumers provide their credit
card details to cover the delivery costs. Often the consumer must pay only for shipping. However, if
the product is not returned within the requested time, the consumer is tied to a subscription period
at a significant cost for new shipments. The products are charged on the consumer’s credit card or in
other cases with invoices, reminders and even letters from debt collectors and solicitors. Consumers
should carefully read all the information about the prices and conditions of membership before signing
up for free trials online. This can be found in the general terms and conditions of sale, but all too often
in the ‘small print’.
In some ECC-Net countries phishing scams are also frequent. ECC offices in France, Belgium, Germany,
and Spain highlighted this activity. Consumers receive fraudulent emails pretending to come from
government bodies or financial institutions which claim that consumer’s data is not valid and asks that
this be corrected. Consumers may also receive an e-mail from lottery companies informing them that
they have won a large amount of money even though the consumer never participated in the lottery.
Consumers are usually asked to send sensitive information such as their name, residential address,
etc. The scammer then notifies the victim that releasing the funds requires some fees (insurance,
registration, or shipping). Once the victim sends the fee, the scammer invents another one. Successive
amounts are required to cover costs of different “formalities”. Another common approach is that you
get informed about a large heritage that you can benefit from, only after paying fees to cover the
formalities.
The fraudulent sale of tickets online is another problem cited by 5 participating ECC centres. It can
often be incredibly difficult to get hold of tickets for popular concerts or sporting competitions. Fans
sometimes pay unrealistically high amounts for tickets that offer no guarantees. They don’t know
which seats you will be getting, or even if they will receive the ticket. Consumers should only purchase
from the official sales channels. This could be done by clicking on the organiser’s website to see which
sites are authorised to sell tickets and avoid all other ticket sites.
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Case study
A Maltese consumer ordered tickets from an online trader for a football match for the price of €827.50.
Subsequently the trader informed the consumer that the tickets are not available and that a refund
will be given to the consumer, but this was never received.
A Hungarian consumer ordered tickets for Opera Tosca (Scala-Milano) and paid €479 EUR via bank
transfer. The website of the Dutch trader offered delivery within 6 to 24 hours, but - in spite of the
promises of the trader – the consumer did not receive the tickets at all and the website became
unavailable.
A Belgian participant in the Olympic Games in London bought tickets for his family and most loyal
supporters from a Norwegian company, for an amount of almost € 3000. The tickets were never
delivered. Afterwards, it seemed the company sold 15-20 000 unauthorized tickets to the 2012
Olympics, to over 7000 consumers and for a total value of about € 5 million. Most consumers never
received the tickets; nor did they obtain a refund by the company which is now bankrupt. Many
consumers received a chargeback from their credit card providers.
The majority of scams reported in this area relate to the sale of tickets for concerts and sporting
events but can also extend to transport tickets.
Case study
A Polish consumer bought flight tickets for his family from Poznan to Copenhagen. The day before
departure he was unable to check in online, therefore he called the air carrier and they informed him
that the reason was simple – he was not on the passenger’s list. The consumer tried to contact the
agent who sold the tickets but he was unavailable and their website had disappeared. A few months
later, ECC Poland received a letter from the local police headquarters asking to explain situation,
answer some questions and send it together with relevant documentation.
ECC-Net also receives information about less frequently occurring scams which although rare, are
useful to be aware of.
Consumers might become involved in a scam if their computer or personal information is unprotected.
This type of scam was reported by ECC Belgium and ECC Czech Republic. This scam is typically involved,
when the consumer, while acting as a trader places an order to sell something online. An hacker buys
it with a hacked account (for example hacked money transfer account). The consumer sends the item
and receives money. However, later on, the money transfer company takes back the money once the
real account-holder realises that his account has been hacked and abused. The consumer is left behind
without item or money.
Investment scams target consumers who want to invest some money on the Forex market or in
binary options. Full and adequate information must be given to consumers in such markets because
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of the high risk involved. In this type of scheme, as reported by ECC France, traders are registered
somewhere outside the EU or do not have the authorisation to sell their products to consumers on
the EU territory. For example, the consumer tries to invest small amount of money and wins a small
amount of money because it is the objective of the trader to become trustworthy for the consumer.
Then the consumer invests bigger amounts of money. However, afterwards he/she loses everything.
In other cases the consumer wins money but it is impossible to get the transfer to his account and the
trader stops communicating with him.
Consumers should also avoid purchases concluded outside the auction platform. This scam is typical
when consumer bids on a good in the auction but does not win it. After some time, consumer receives
a message from the trader, that the winner of the auction refused to buy the good, and therefore
the trader agrees to sell it to the consumer. Any further contact is maintained outside the auction
platform. When the consumer pays for the good, the trader does not send the good claiming that the
payment is not received or stops communicating.
EMERGING ISSUES
IN ONLINE FRAUD
With scammers becoming ever-more inventive and their approaches more sophisticated, it is important
that consumers are vigilant and are aware of the latest threats. While new variations of scams emerge
daily, often there are common threads which make fraudulent approaches easier to identify. The
following fraud have been described by the participating ECCs:
Mobile Fraud
Mobile phones have developed rapidly over the last few years and now offer a huge range of functions.
Consumers have grown increasingly comfortable using their phones to transfer money, purchase
goods, and engage in other types of financial transactions.12 However, as mobile phones have evolved
into mini-computers with increasingly advanced capability, scammers have evolved with them and
users face new threats.
The ECC-Net eCommerce Report 201213 noted. “The need for mobility and the rapid proliferation of
smart-phones and other mobile devices have contributed to an increasing number of users engaging in
m-commerce.” Indeed a recent study has forecast that mobile commerce will represent 6.8% of all
online sales across Europe by 2017, reaching €19.25 billion14
12
The Future of Money in a Mobile Age http://pewinternet.org/Reports/2012/Future-of-Money/Overview.aspx
13 The European Online Marketplace: Consumer complaints 2010-201, September 2012, page 42 http://www.eccireland.ie/
downloads/E-commerce_Report_2012.pdf
14
Forester, EU Mobile Commerce Forecast, 2012 To 2017 http://blogs.forrester.com/michael_ogrady/12-07-19-mobile_
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11. Fraud in cross-border e-commerce
The high level of convenience offered by smartphones and other mobile devices is accompanied by
higher levels of risk. Europol noted;
The “always on” culture fostered by mobile devices ensures that potential victims are online, and their
data exposed, for a longer amount of time, while the mass distribution of corporate smartphones
and the increasingly porous boundary between individuals’ professional and private lives has resulted
in cybercriminal exploits against iPhones and Blackberries in an attempt to access data which mirrors
information on corporate servers. Handheld devices are arguably also less physically secure than
notebooks and desktop computers, in as much as they are more likely to be subject to loss or theft, and
less likely to be encrypted (many organisations disable encryption in order to preserve battery life and
optimise performance).15
A report by Javelin Security and Research found that 7% of smartphone owners were victims of identity
fraud, an incidence rate 33% higher compared to the general public. The report suggested that this may
be due to certain unsafe customer behavior. For example consumers may not always update to the
newest operating system, do not use a password on their home screen, or may store login information
on their device.16 Because smartphones and tablets are so small and portable, they are easier to lose or
steal, leading to potential breaches of personal and financial security.
Smartphone users should also be aware of the increasing prevalence of malicious software, or malware,
on their devices. Visiting unsafe links from a mobile device is one of the most common ways people
encounter such mobile threats. According to security firm Symantec, 31% of mobile users have received
a text message from someone they didn’t know asking them to click on a suspect link or dial an unknown
premium number.17 Consumers should be careful what sites they visit on their phone and only download
Apps from authorised stores or they may risk a substantial loss of sensitive personal data.
Gaming Fraud
Online gaming is a huge industry and one which is rapidly growing in popularity with reports suggesting
that Massive Multiplayer Online Role Playing Games (MMORPGs) will generate 14 billion dollars in
revenue by 201418
commerce_will_be_worth_19_billion_euros_within_the_eu_7_by_2017
15 Europol: Threat Assessment, Internet Facilitated Organised Crime https://www.europol.europa.eu/content/publication/
iocta-threat-assessment-internet-facilitated-organised-crime-1455
16 Javelin Security and Research 2012 Identity Fraud Industry Report: Social Media and Mobile Forming the New Fraud
Frontier
17 2012 Norton Cybercrime Report http://nowstatic.norton.com/now/en/pu/images/Promotions/2012/cybercrimeReport/2012_
Norton_Cybercrime_Report_Master_FINAL_050912.pdf
18 Greengard, (2011). ‘Social games, virtual goods.’ http://www.iei.liu.se/facksprak/engelska/civilingenjorsutbildning/then18/
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12. Fraud in cross-border e-commerce
Increasingly, online games involve spending real money to purchase in-game property and so there
are significant opportunities for scammers to take advantage of unsuspecting users. Phishing scams
and other cyber threats are prevalent, facilitated by the interaction amongst gamers from all over the
world.
Risks include inadvertently or recklessly giving away personal or sensitive information, or downloading
‘cheats’ which claim to help you but which, in fact, may contain viruses/spyware.
Gamers may receive fake emails or be approached by other gamers within the game, and encouraged
to reveal personal information which can be used to harvest money and information from online
gaming accounts or enticed to visit bogus web sites or open email attachments containing malicious
software.
Gamers should be very cautious if requested to reveal personal information or credentials to their
accounts.
Case study
A French consumer was a regular player of an online game. While playing, another gamer approached
him and advised him to purchase items on a specified website. This looked exactly like the traders
official website and the consumer inserted all of his personal details. The consumer’s account was
hijacked and he lost all his items in his payer account worth approximately €350. The trader also
suspended his account for breach of its terms and conditions.
Online Dating Fraud
Online dating has exploded in popularity over the past 10 years, with studies indicating that Europeans
spent approximately €811 million on online dating in 2011.19
However, online dating and social networking has opened up a new avenue for fraudsters who pose
as potential romantic partners online. This is a form of advanced fee fraud. Scammers create false
profiles on online dating websites, usually accompanied by notably attractive photos, and develop a
close online intimacy with a victim, who is then asked for cash to help their new partner out of a crisis
of some sort. The perpetrators spend long periods of time developing a close relationship with their
victims and give convincing reasons why they cannot meet. Victims often feel they have developed a
close relationship with the fraudster and may be unable to accept that the relationship was a scam.
Last year a study20 by the universities of Leicester and Westminster, working with the UK Serious
Organised Crime Agency, estimated that 200,000 people had been victims of online dating fraud.
However the report noted that this is a significantly under-reported scam.
kursmaterialarkiv/lesson-thirteen/1.333662/social_games_virtual_goods.pdf
19 Metaflake The Online Dating Market in Europe 2012 http://www.datingsitesreviewed.com/press/online-dating-market-
europe-2012-us.pdf
20 Whitty and Buchanan
4022/read
‘An examination of the online romance scam’ http://www.esrc.ac.uk/my-esrc/grants/RES-000-22-
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Animal Rescue
An emerging fraud noted by the ECC-Net eCommerce Report and reported by 3 ECCs in the questionnaire
involves the purchase of pets online. The fraudsters post advertisements online for unwanted pets
which are available for free. However, consumers are then requested to pay for auxiliary services
such as airport storage charges and transport fees in order to receive the pet and are informed that
until payment is received the pet is waiting in the airport without any food or care. Alternatively, the
consumer is told that the pet has had an accident and requires additional expensive medical care.21
Case study
An Austrian consumer found an offer for a kitten from the UK online trader. As requested by the
trader he paid € 98 to an animal transport agency in Cameroon. A few days later the consumer was
contacted that a problem occurred at the airport and he would need to pay another € 320 as a deposit.
The consumer became suspicious but the trader threatened to sue him unless he paid. Intimidated,
the consumer paid the money plus an additional sum for cat food. Soon afterwards neither the agency
nor the seller could be contacted and no kitten was delivered.
Penny Auctions
'Penny auctions' (or bidding fee auctions) are a relatively recent trend in e-commerce. Essentially they
are an online shopping method where users purchase bids in order to participate in the auctioning
of an item. The bids are non-refundable so they are unlike traditional auctions where nothing is paid
unless your bid is successful. Penny auctions are very popular but consumers should exercise caution
as it is possible to spend a lot of money and still lose an auction, or ultimately spend more than the
retail value of the item they end up winning.
In the United States the Better Business Bureau, listed penny auctions in their top ten scams of
2011 and warned consumers that, "although not all penny auction sites are scams, some are being
investigated as online gambling. BBB recommends you... know exactly how the bidding works, set a
limit for yourself, and be prepared to walk away before you go over that limit”.22
Potential fraudulent practices which can disadvantage buyers include shill bidding, where artificial
bids are placed automatically by the site operator and hidden membership fees. Shill bidding enables
the penny auction operator to unfairly inflate the price of the item, extends the auction time and
increases the number of bids required to win.
In late 2010 the UK’s Office of Fair Trading took action against the use of auto-bid functions by
companies that were using software programs to place artificial bids against consumers23. The OFT
21 The European Online Marketplace: Consumer complaints 2010-2011, September 2012, page 51 http://www.eccireland.ie/
downloads/E-commerce_Report_2012.pdf
22 BBB names top ten scams of 2011 http://www.bbb.org/us/article/bbb-names-top-ten-scams-of-2011-31711
23 http://www.oft.gov.uk/OFTwork/consumer-enforcement/consumer-enforcement-completed/penny-auctions-
battybid/#named5
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found that artificial bids are unlawful as they can mislead consumers into bidding against fictitious
'players' and incur additional costs.
The Belgian Gaming commission considers this kind of auctions as a game of chance. To offer games of
chance in Belgium, a license is needed. If a company does not have this license and a website uses this
practice and directs itself to the Belgian territory or market, it will be blocked, independently of where
the site or company is registered.24
Some penny auction sites deduct on going subscription or membership fees once a free offer is
availed of so it is important that consumers take the time to read the relevant terms and conditions
before providing credit card details.
Consumers should research the auction sites very carefully before purchasing bids and make sure to
understand what’s involved before agreeing to any terms and conditions.
Case study
An Irish consumer completed a survey online and received 7 free bids for 7 days for a Maltese based
auction company as a reward. He won an iPhone and had to pay €7 delivery charge but the phone was
never delivered. He then discovered that this credit card had been debited €200 in addition to the
€7. The company claimed that this was a membership fee which he had agreed to in the terms and
conditions.
Blocked Computer
An emerging scam, in which consumers get a malware
(eg. a virus or Trojan horse) on their computer and it
blocks the computer. On the screen consumer then
sees the message that falsely claims that, due to
copyright infringements, police and authorities have
blocked the computer and the only way to unlock it,
is to pay money on a banking account. This type of
malware is also known as 'ransomware'. The message
received usually displays elements that make it look as
coming from a legitimate law enforcement agency, in
order to scare the victims. It normally gets unlocked
once the ransom has been paid, but consumers are
giving money to deceivers/organized crime.
24 List of blocked sites: http://www.gamingcommission.be/opencms/opencms/jhksweb_nl/gamingcommission/news/
news_0001.html
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15. Fraud in cross-border e-commerce
TIPS & TRICKS TO AVOID BEING
SCAMMED
Online shopping can be very worthwhile in terms of the choice and value offered, but it is important
to take some precautions to make sure difficulties are not encountered. When shopping online, the
product or service is usually paid for before it is delivered. The consumer places faith in the seller that
the product will be dispatched as soon as he received payment.
Sometimes, however, the consumer may pay for a product that will never be delivered and he/she will
no longer be able to contact the seller. By taking a sensible and critical look at the website, consumers
can avoid such difficulties, even if some fraudulent offers are very professionally presented and not
easy to detect.. Potential scammers will try to catch consumers unaware. This increases their chance
of being able to convince consumers to part with their money or personal information. Consumers
must be attentive to certain signals indicating a potential fraud: our tips and advice can equip them
with tools to recognise and avoid online fraud.
1. The first and foremost rule is: if an offer seems too good to be true, it most probably is!
A simple internet search should reveal any negative feedback about the trader left by other
consumers, but be aware that some unscrupulous traders may also leave false positive
feedback about themselves.
2. It is important to verify where the website is located.
The domain-extension25 does not mean that the shop is actually located in the corresponding
country, for example .co.uk does not necessarily mean that the website is based in the
United Kingdom. Websites operating in the EU must display a physical address and contact
information. Public company registers can help you find if the company is really registered
in that country. You can search for any domain and IP website in publicly available databases
which checks the registrant’s data, like who.is or similar.
Is the website located in Europe? Anyone buying on a website registered in the European Economic
Area (or EEA), to which all European member states, Norway, Iceland and Liechtenstein belong, is
protected by European law. Under EU legislation consumers have many rights and basic consumer
protection is guaranteed throughout the EEA. If you buy outside the EEA, then you may not benefit
from this protection and you may have to abide by the legislation of the country where the website is
based.
Is the website located outside Europe? If you buy goods outside the EU, you have to pay the VAT-rate
of your country in addition to customs duty in most cases. These costs depend on the price and the
type of product you have bought. The transport firm also often charges an administrative fee. A price
that initially looks low can turn out to be much higher than expected if you purchase outside the EU, so
25 http://en.wikipedia.org/wiki/List_of_Internet_top-level_domains
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16. Fraud in cross-border e-commerce
check the level of duties you will have to pay. You may also not be able to rely on European consumer
protection legislation if something is going wrong.
In April of 2001, responding to the challenges of multinational Internet fraud, and working to enhance
consumer protection and consumer confidence in e-commerce, 13 countries unveiled econsumer.gov,
a joint effort to gather and share cross-border e-commerce complaints. Today, consumer protection
agencies in 28 countries participate in this initiative where consumers can submit their complaints
online. Consumers International (CI) - the world federation of consumer groups that, working together
with its members, serves as the only independent and authoritative global voice for consumers: http://
www.consumersinternational.org/. Consumers can find contact details of all consumer organisations
in the world.
3. Some websites are affiliated to a trustmark scheme. As such, they must respect the conditions
of the scheme set out in a code of conduct that affiliated websites must follow. Watch out for
fake trustmarks or websites that fraudulently post a trustmark logo. Check on the website of
the trustmark to see if that website is indeed a member26.
4. Pay with a safe payment method. The most secure payment method is to pay after the receipt
of your package. However, most sellers require you to pay for the product or service before
delivery. Check whether the website offers a secure method of payment. You can see this from
a little key or lock that appears at the bottom of your screen, or if the internet address begins
with https:// instead of the usual http://.
The most common method of payment is by credit card. This is also the safest payment method,
because you can dispute the payment with the credit card company if the purchased item or service
is not delivered.
Never pay for purchases online using a money-wiring service because you will have no recourse if
something goes wrong. Many fraudsters encourage this method of payment for this very reason.
Money wiring services should only be used to send money to people you know and trust and is not
suitable for ecommerce transactions.
5. Verify the information provided by the webtrader. European legislation obliges online traders
to put certain information on their website, such as (but not limited to):
-
identity, geographical address (not a PO box number), e-mail address, ;
-
the method of payment and delivery;
-
the minimum duration of the agreement for a subscription to a magazine, for example;
-
Cooling off period to change your mind;
-
Delivery and return conditions;
-
The main characteristics of the product or services that you will purchase.
26 ECC-Net report: Can I trust the trust mark? http://www.eccbelgie.be/ecc-net-report-can-i-trust-the-trust-mark-s76441.htm
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Check if the website mentions this minimum information. If the information is not clear or incomplete,
you should seek clarity by asking the seller questions. Do not make a purchase if you have any major
questions or concerns.
Find the company's headquarters on the internet and verify that it matches that displayed in ads and
on company's web site. If the supplier claims to be a multinational company, but the given address is
located in the middle of a residential area in the suburbs, usually there is something wrong.
6. Think about the way the traders present themselves.
Is the layout of the web site professional? E-mail addresses on free or anonymous servers are generally
best avoided as they are not a good indicator of professionalism. Also if a website is placed on a
free hosting server27, this may not be a good indicator of professionalism. Things to watch out for
include: website which has only recently registered, incorrect language style, requests for payment in
advance by bank transfer or money wiring service, additional requests for further payments under a
false pretence (customs, insurance, more packed products than ordered).
7. Be careful with your personal data. It is
very valuable so be careful not to provide
unfamiliar websites with more information
than is necessary.
Always update to the newest operating system, use
a password on your home screen, do not store login
information on your device. Be careful what sites
you visit on your mobile phone and only download
Apps from authorised stores otherwise you may
risk a substantial loss of sensitive personal data.
Ignore spam. Never provide any personal or financial
information if requested by email and never click on suspicious links or open unknown attachments.
Legitimate companies will never seek sensitive information from you in this way.
You may wish to share your experiences with friends and family or leave feedback online to warn
other consumers about suspect traders.
27 A free web hosting service is a web hosting service that is free, usually advertisement-supported. Free web hosts will
usually provide a subdomain (yoursite.example.com) or a directory (www.example.com/~yourname).
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GENERAL ONLINE SHOPPING CHECKLIST
Try to shop on a familiar or recommended sites and carefully research unfamiliar traders by following
this check-list:
-
Is there a geographical address? Never rely solely on an email address or a post office box
number as these are difficult to trace.
-
Is there a landline number? Call the number to check if it is working and correct.
-
Is the business registered? Look up the VAT number and check that the number is valid on the
European Commission VIES website (VAT Information Exchange System28).
-
When was the website registered? Beware of sites that have only recently been set up as
fraudulent sites come and go very quickly. You can find this information on domain lookup
websites29.
-
Research the background of unfamiliar websites by carrying out a simple internet search to
see if the website is mentioned on forums and has a good or bad reputation.
-
Be extra careful with commercial offers that ‘pop-up’ or otherwise appear unrequested on
your screen.
-
Don’t blindly trust trustmark logo, check the trustmark’s website to verify that seller is really
affiliated.
- Ask questions about the product and assess how serious the answers provided are.
-
Does the price you have to pay correspond to the price indicated on the website? Does the
price include everything, even administrative and delivery costs?
- What guarantee is offered on the products?
-
Does the site mention the right of withdrawal? Is it indicated correctly?
-
Does the website offer a secure payment system (https or padlock)? Never pay for a purchase
with money wiring service or any other unsecure payment method.
-
Can you find the general terms and conditions and are they clear?
-
Keep the order details, print or save a copy where necessary (print screen).
-
If you have any doubts, ask your local European Consumer Centre or another reliable source
for information.
-
Remember, if it sounds too good to be true, then it probably is.
28 http://ec.europa.eu/taxation_customs/vies/
29 For example: http://www.eurodns.com
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RESPOND QUICKLY IF YOU ARE THE VICTIM OF FRAUD
-
If you have paid with a credit card, ask the credit card provider to reverse the payment. If an
investigation shows that you have been the victim of fraud, you will be reimbursed.
- Consult ECC-Net or another consumer service that can advise and assist you.
-
If you have been the victim of online fraud, you can report it to the police. Save all evidence –
mails, web addresses, phone numbers, account numbers, make print screens. You can find the
contact details of police offices on page 21.
LEGAL PROTECTION OF CONSUMERS
Before mentioning consumer legislation, it should be explained that on-line fraud is, first of all, covered
by the criminal laws of the Member States, under the powers of the competent police bodies (and
that there are international police agreements which aim at ensuring cooperation between police
forces in cross-border cases).
In addition to (and outside) the remedies available in the Member States to counter cases of outright
fraud (see table below on responsible national police bodies), there is EU legislation which protects
the economic interests of consumers when shopping on line from real traders.
Below is an non-exhaustive overview of the main pieces of EU consumer protection legislation.
- Directive 97/7/EC on the protection of consumers in respect of distance contracts (Distance
Selling Directive) applies to both goods and services, where the contract is made between a
supplier (a seller acting in the course of a business) and a consumer and there is no face-toface contact between them.
- As of 13 June 2014 the Distance Selling Directive will be replaced by Directive 2011/83/EU on
consumer rights. The new Directive strengthens consumer protection in particular when
buying on the Internet. Consumers will have to be provided with essential information before
they order goods or services on-line, including about the functionality and interoperability of
digital content. The new Directive furthermore bans pre-ticked boxes when offering additional
services, internet cost traps and charges of which the consumer was not informed in advance.
- Directive 2005/29/EC on Unfair Commercial Practices lays down harmonised rules to protect
consumers against unfair commercial practices. It ensures that consumers are not misled or
exposed to aggressive marketing and that any claim made by traders in the EU is clear, accurate
and substantiated, enabling consumers to make informed and meaningful choices. Although
this legislation protects consumers when shopping online, scammers do not follow legislation.
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- Directive 93/13/EEC on unfair terms in consumer contracts ensures that standard terms
that cause a significant imbalance in terms of rights and obligations to the detriment of the
consumer, are not binding on the latter.
Despite the popularity of online payments, the available options for payment service users to
increase their protection are not well known. A chargeback is the practice of forcefully recovering
funds from the recipient by a payment service provider. A chargeback can be initiated on the basis of
law or contractual obligations. The Payment services directive30 deals with two specific chargeback
situations; a) transactions made without authorization and b) transactions made without the user
knowing the amount of the transaction.
The payment services directive does not deal with intent when it comes to erroneous or fraudulent
transactions, it only looks at whether or not the transaction is authorized or if the consumer was
aware of the exact sum.
Chargebacks based on contractual obligations are often used for the non-delivery situations consumers
face. These obligations stem from the contract the consumer has with the payment service provider(s);
this can be a bank, an intermediary (VISA, MasterCard, Eurocard, Diners, American Express etc.) or
another payment facilitator. The payment instrument most likely to include protection against nondelivery is the credit card, but it is also present to some extent for other payment methods.
The payment services directive gives the payment service user a time limit of thirteen months to notify
the payment service provider of the error. For chargebacks based on contractual obligations the time
limit is often much shorter.
A number of ECCs have reported that consumers have difficulties obtaining a refund from the credit
card company, unless they can clearly prove that fraud was involved. Regardless of whether the
chargeback option is provided by the contract with the credit card issuer or by national law, consumers
always have to turn to their credit card provider first in order to receive a refund. In the event that
the credit card provider refuses to refund the consumer, the question of how the chargeback option
is regulated becomes relevant. If the chargeback option is provided under the contract with the
credit card provider, the consumer may only file a claim individually at an ADR body or court. If the
chargeback option is provided under national law, the consumer may either file a lawsuit individually
or can turn to a national enforcement body.31
Consumers should remember:
• Scammers do not respect legislation.
• Criminal spectrum is involved here. Police authorities around the EU are committed to
identifying and arresting those involved in criminal activities online, in particular when it comes
to large-scale scams. However, it can prove challenging for enforcement authorities to track
down the perpetrators due to specific characteristics of the internet, such as its cross-border
nature and the anonymity it offers.
• The best protection against scams is knowledge!
30 The Payment services directive 2007/64/EC
31 The European Online Marketplace: Consumer complaints 2010-201, September 2012,
E-commerce_Report_2012.pdf
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http://www.eccireland.ie/downloads/
20
21. Fraud in cross-border e-commerce
WHERE CAN CONSUMERS REPORT A SCAM?
Country
Austria
Institution
Police – Cyber crime department
Belgium
Police together with the Ministry of
Economy
Police, Cybercrime Police
Police
Bulgaria
Cyprus
Czech
Republic
Denmark
Estonia
Finland
France
Greece
Police
Police
Police
Police – Cyber Crime Unit
Germany
Hungary
Iceland
Ireland
Competent public prosecutor
Police
Police
The Garda Bureau of Fraud
Investigation
Police, Postal Police
Economic Crime department of Police
Police
Italy
Latvia
Lithuania
Luxembourg
Malta
Netherlands
Norway
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Lithuanian Cybercrime Investigation
Board of Criminal Police bureau
Cyber Crimes Bureau in Police
The Dutch Fraud helpdesk
Police
Police
Police
The General Inspectorate of the
Romanian Police
Police, SI-CERT
Dirección General de la Policía
Nacional
Unidad de Investigación de la
Delincuencia en Tecnologías de la
Información
Brigada de investigación tecnológica
Contact
against-cybercrime@bmi.gv.at www.bmi.gv.at/cms/
BK/meldestellen/internetkrimina/start.aspx
www.ecops.be
Local police office
ccu@cybercrimeunit.gov.gr, Tel. No. for local calls:
11012. For international calls: +30 210-6476464 & +30
210-6476000
www.garda.ie
Local police office
http://www.cyberpolice.lt/32
www.fraudehelpdesk.nl
Tel.: 021.310.17.57, E-mail: crimaorg@politiaromana.
ro. All complaints must be submitted in Romanian.
www.policia.es
Email: delitos.tecnologicos@policia.es
Tel: 91 582 27 51 / 91 582 23 07
Dirección General de la Guardia Civil
http://www.policia.es/org_central/judicial/udef/
bit_alertas.html
Grupo de Delitos Informáticos
www.gdt.guardiacivil.es
https://www.gdt.guardiacivil.es
Email: delitostelematicos@guardiacivil.org
Tel: 91 514 64 00
32 Crimes committed in cyberspace whose value according to the Criminal Code of Republic of Lithuania does not exceed the
amount of 250 minimum standard of living (MSLs, currently 250 MSLs equals to: 32500 LTL or 9412 EUR), which does not
cause high societal impact or which are not technically complicated are investigated by the territorial police units
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22. Fraud in cross-border e-commerce
Country
Sweden
Institution
International Public Prosecution
Office (National Intellectual Property
Crime Unit)
Contact
-
Patent and Trademark Office (Design
and Trademark Department)
Swedish Police
Swedish Companies Registration
Office
United
Kingdom
Swedish Customs (Law enforcement)
and Medical Products Agency
The Serious Organised Crime Agency
in the UK
Actionfraud
http://www.actionfraud.police.uk/
THE EUROPEAN CYBERCRIME CENTRE (EC3)
The European Cybercrime Centre (EC3) was set up within Europol, the European law enforcement
agency in The Hague, The Netherlands. The EC3 officially commenced its activities on 1 January 2013.
The EC3's aim is to provide EU police with a central platform to coordinate investigations and collect
information on cybercrime activities. It should boost the EU's capacity to identify and dismantle
perpetrators of criminal activities carried out on the internet.
In line with Europol's mandate, EC3 is here to increase cooperation in law enforcement operations
but is not empowered to receive direct reports from victims nor launch investigations on their basis.
EC3 a mandate to tackle the following areas of cybercrime:
• That committed by organised groups to generate large criminal profits such as online fraud;
• That which causes serious harm to the victim such as online child sexual exploitation;
• That which affects critical infrastructure and information systems in the European Union.
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23. Fraud in cross-border e-commerce
CONCLUSIONS AND
RECOMMENDATIONS
The Working Group described the most commonly reported fraud cases in cross-border e-commerce
that were encountered by ECCs and came to the following conclusions:
• According to the ECCs experience, fake offers, second hand cars and counterfeit products were
the most commonly types of fraud, with free trial and phishing scams, being less frequent but
still significant.
• The ECC-Net competence in the event of a fraud is limited as their role is mainly to advise
on consumer rights and assist in solving trade disputes with honest traders. In fraud cases,
originating from dishonest traders, usually difficult to locate, consumers are always advised to
turn to the police or criminal enforcement authorities (see table on page 21) At EU level, the
European Cybercrime Centre (EC3) provides a platform for the coordination of national police
investigations on cybercrime activities. It also collects information on cybercrime from a wide
array of public, private and open sources in order to enrich available police data, provides
forensic support as well as other services which in the end aims to protect EU citizens from
online fraud. It is therefore important that consumers report the fraud for which they were a
victim to their competent national authorities.
• The ECC-Net is preparing a report on
"chargeback", i.e. the possibility for consumers
to obtain a refund from the credit card company
in case the product ordered is not delivered.
Regardless of whether the chargeback option
is provided by the contract with the credit card
issuer or by national law, consumers always
have to turn to their credit card provider first in
order to receive a refund.
• Many frauds that migrate to the Internet have
existed in one form or another for many years, but have evolved with technology. Consumers
must be cautious and understand that frauds will continue to evolve into new forms and new
platforms. As almost half of EU consumers shop online, with 11% shopping from traders based
in another European country, it is inevitable that online shoppers may encounter e-commerce
fraud at some stage. The goal of this report, as well as other information efforts done by
public authorities is to minimize the risk to consumers by increasing their awareness and their
knowledge on how to shop safely online.
In this respect, it is important to stress that although the ECC-Net has a limited role in securing redress
for consumers in the event that they fall victim to a scam, the network is very proactive in promoting
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24. Fraud in cross-border e-commerce
scam awareness. The websites of most ECC-Net members contain a wealth of information for
consumers on scams and how to avoid them in their national language. They regularly highlight scam
issues in their local media.
What more can the ECC-Net do?
• Encourage consumers to spread the word and share their new scam knowledge with family
and friends.
• Target younger consumers via interactive presentation in schools, colleges and universities, as
well as use modern technologies that help explaining scams and risks that they can pose.
• Inform consumers about new types of scam as soon as the ECC office finds out about it
• Inform the competent authorities of the new scams.
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25. Fraud in cross-border e-commerce
CONTACT DETAILS FOR ECCS
AN UPDATED LIST OF THE EUROPEAN CONSUMER
CENTRES CONTACT DETAILS IS ALSO AVAILABLE AT:
http://ec.europa.eu/ecc-net
AUSTRIA
EUROPEAN CONSUMER CENTRE AUSTRIA
MARIAHILFER STRASSE 81
1060 WIEN
TEL: +43 1 588 77 0
EMAIL: info@europakonsument.at
WEB: www.europakonsument.at
BELGIUM
EUROPEAN CONSUMER CENTRE BELGIUM
RUE DE HOLLANDE/HOLLANDSTRAAT 13
1060 BRUXELLES/BRUSSELS
TEL: +32 2 542 33 46 (NL)
TEL: +32 2 542 33 89 (FR)
EMAIL: info@eccbelgium.be
WEB: www.eccbelgium.be
BULGARIA
EUROPEAN CONSUMER CENTRE BULGARIA
BACHO KIRO STREET 14
1000 SOFIA
TEL: +359 2 986 76 72
EMAIL: info@ecc.bg
WEB: www.ecc.bg
CYPRUS
EUROPEAN CONSUMER CENTRE CYPRUS
ANDREAS ARAOUZOS 6
1421 NICOSIA
TEL: +357 228 67 177
EMAIL: ecccyprus@mcit.gov.cy
WEB: www.ecccyprus.org
CROATIA
EUROPEAN CONSUMER CENTRE CROATIA
ULICA GRADA VUKOVARA 78, ZAGREB
TEL: +385 1 6106936
FAX: +385 1 6109150
EMAIL: anijela.markovickrstic@mingo.hr
CZECH REPUBLIC
EUROPEAN CONSUMER CENTRE CZECH REPUBLIC
ŠTĚPÁNSKÁ 15
12000 PRAGUE 2
TEL: +420 296 366 155
EMAIL: esc@coi.cz
WEB: www.evropskyspotrebitel.cz
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DENMARK
EUROPEAN CONSUMER CENTRE DENMARK
CARL JACOBSENS VEJ 35
2500 VALBY
TEL. +45 4171 5000
EMAIL: info@forbrugereuropa.dk
WEB: www.forbrugereuropa.dk
ESTONIA
EUROPEAN CONSUMER CENTRE ESTONIA
RAHUKOHTU 2
10130 TALLINN
TEL: +372 6201 708
EMAIL: consumer@consumer.ee
WEB: www.consumer.ee / www.ecc.ee
FINLAND
EUROPEAN CONSUMER CENTRE FINLAND
HAAPANIEMENKATU 4A, 7TH FLOOR
P.O. BOX 5
00531 HELSINKI
TEL: +358 1 194 676
EMAIL: ekk@kkv.fi
WEB: www.ecc.fi
FRANCE
EUROPEAN CONSUMER CENTRE FRANCE
BAHNHOFSPLATZ 3
77694 KEHL
TEL: +49 7851 991 48 0
EMAIL: info@cec-zev.eu
WEB: www.europe-consommateurs.eu
GERMANY
EUROPEAN CONSUMER CENTRE GERMANY
BAHNHOFSPLATZ 3 77694 KEHL
TEL: +49 7851 991 48 0 EMAIL: info@cec-zev.eu
WEB: www.eu-verbraucher.de
ECC KIEL OFFICE
ANDREAS-GAYK-STR. 15
24103 KIEL
TEL: +49 7851 991 48 0
EMAIL: info@cec-zev.eu
WEB: www.eu-verbraucher.de
GREECE
EUROPEAN CONSUMER CENTRE GREECE
ALEXANDRAS AV. 144
114 71 ATHENS
TEL: +30 21064 608 62
EMAIL: ecc-greece@synigoroskatanaloti.gr
WEB: http://www.synigoroskatanaloti.gr/index_ecc_
en.html
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26. Fraud in cross-border e-commerce
HUNGARY
EUROPEAN CONSUMER CENTRE HUNGARY
JÓZSEF KÖRÚT 6
1088 BUDAPEST
TEL: +36 1 459 48 32
EMAIL: info@magyarefk.hu
WEB: www.magyarefk.hu
MALTA
EUROPEAN CONSUMER CENTRE MALTA
SOUTH STREET 47A
VLT 1101 VALLETTA
TEL: +356 21 22 19 01
EMAIL: ecc.malta@gov.mt
WEB: www.eccnetmalta.gov.mt
ICELAND
EUROPEAN CONSUMER CENTRE ICELAND
HVERFISGÖTU 105
101 REYKJAVIK
TEL: +354 545 1200
EMAIL: ena@ena.is
WEB: www.ena.is
THE NETHERLANDS
EUROPEAN CONSUMER CENTRE NETHERLANDS
CATHARIJNESINGEL 55E
3511 GD UTRECHT
TEL: +31 30 232 64 40
EMAIL: info@eccnl.eu
WEB: www.eccnl.eu
IRELAND
EUROPEAN CONSUMER CENTRE IRELAND
MACRO CENTRE, 1 GREEN STREET
7 DUBLIN
TEL: +353 1 8797 620
EMAIL: info@eccireland.ie
WEB: www.eccireland.ie
NORWAY
EUROPEAN CONSUMER CENTRE NORWAY
ROLF WICKSTRØMS VEI 15
0404 OSLO
TEL: +47 23 400 500
EMAIL: post@forbrukereuropa.no
WEB: www.forbrukereuropa.no
ITALY
EUROPEAN CONSUMER CENTRE ITALY
VIALE DEGLI AMMIRAGLI 91
00136 ROMA
TEL: +39 06 442 38 090
EMAIL: info@ecc-netitalia.it WEB: www.ecc-netitalia.
it
ECC BOLZANO OFFICE
VIA BRENNERO 3
39100 BOLZANO
TEL: +39 0471 98 09 39
EMAIL: info@euroconsumatori.org
WEB: www.euroconsumatori.org
POLAND
EUROPEAN CONSUMER CENTRE POLAND
PLAC POWSTAŃCÓW WARSZAWY 1
00 950 WARSAW
TEL: +48 22 55 60 118
EMAIL: info@konsument.gov.pl
WEB: www.konsument.gov.pl
LATVIA
EUROPEAN CONSUMER CENTRE LATVIA
Brīvības street 55
LV- 1010
TEL: +371 67388625
info@ecclatvia.lv
WEB: www.ecclatvia.lv
LITHUANIA
EUROPEAN CONSUMER CENTRE LITHUANIA
ODMINIŲ G. 12
01122 VILNIUS
TEL: +370 5 265 03 68
EMAIL: info@ecc.lt
WEB: www.ecc.lt
LUXEMBOURG
EUROPEAN CONSUMER CENTRE LUXEMBOURG
2A, RUE KALCHESBRÜCK
L-1852 LUXEMBOURG
TEL: +352 26 84 64 1
EMAIL: info@cecluxembourg.lu
WEB: www.cecluxembourg.lu
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PORTUGAL
EUROPEAN CONSUMER CENTRE PORTUGAL
PRAÇA DUQUE DE SALDANHA 31-1
1069-013 LISBOA
TEL: +351 21 356 4750
EMAIL: euroconsumo@dg.consumidor.pt
WEB: http://cec.consumidor.pt
ROMANIA
EUROPEAN CONSUMER CENTRE ROMANIA
MAIOR AVIATOR STEFAN SANATESCU STR. 44, FLOOR
1, AP. 2, SECTOR 1
011478 BUCHAREST
TEL: +40 21 315 71 49
EMAIL: office@eccromania.ro
WEB: www.eccromania.ro
SLOVAKIA
EUROPEAN CONSUMER CENTRE SLOVAKIA
MIEROVÁ 19
827 15 BRATISLAVA 212
TEL: +421 2 4854 2019
EMAIL: info@esc-sr.sk
WEB: www.esc-sr.sk
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27. Fraud in cross-border e-commerce
SLOVENIA
EUROPEAN CONSUMER CENTRE SLOVENIA
FRANKOPANSKA 5
1000 LJUBLJANA
TEL: +386 1 432 30 35
EMAIL: epc@epc.si
WEB: www.epc.si
SPAIN
EUROPEAN CONSUMER CENTRE SPAIN
PRINCIPE DE VERGARA 54
28006 MADRID
TEL: +34 91 822 45 55
EMAIL: cec@consumo-inc.es
WEB: http://cec.consumo-inc.es
SWEDEN
EUROPEAN CONSUMER CENTRE SWEDEN
TAGE ERLANDERGATAN 8A BOX 48
65102 KARLSTAD
TEL: +46 54 19 41 50
EMAIL: info@konsumenteuropa.se
WEB: www.konsumenteuropa.se
UNITED KINDGOM
EUROPEAN CONSUMER CENTRE UK
1 SYLVAN COURT, SYLVAN WAY, SOUTHFIELDS
BUSINESS PARK
SS15 6TH BASILDON ESSEX UK
TEL: +44 8456 04 05 03
EMAIL: ecc@tsi.org.uk
WEB: www.ukecc.net
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