This document summarizes the results of a 2012 survey on consumer payment fraud conducted across 17 countries. Some key findings include:
1) Overall, 1 in 4 cardholders experienced fraud in the past 5 years, with fraud rates varying significantly by country. Mexico, the U.S., and India had the highest rates.
2) Consumers expressed dissatisfaction with financial institutions that were slow to resolve fraud issues, replace cards, or reimburse losses. Over a quarter changed providers after experiencing fraud.
3) Fear of identity theft is rising, now consumers' top fraud concern. Risky online and mobile behaviors persist despite education efforts.
4) Consumers strongly prefer fraud alerts from their bank that
Sustainable Brand Perception vs. Performance: Reducing the Gap - Katie CoxSustainable Brands
Increasingly, evidence demonstrates that global stakeholders across the board are expecting business to deliver greater value beyond just a slicker product or bigger profits. This panel provides three types of filters for decision-making as to how to prioritize your sustainable innovation initiatives such that you might recognize most uplift in stakeholder support.
The ICEF i-graduate Agent Barometer 2012 by Mr. Rod Hearps. Vice President, ICEFSantamaria
The ICEF i-graduate Agent Barometer 2012 by Mr. Rod Hearps. Vice President, ICEF rhearps@icef.com. Presented on TIEE 2013 Seminar (22 February 2013) at Royal Paragon Hall, Siam Paragon.
Findings of Symantec's 2010 State of the Data Center study. Now in its third year, the study found that mid-sized enterprises (2,000 to 9,999 employees) are more likely to adopt cutting-edge technologies such as cloud computing, deduplication, replication, storage virtualization, and continuous data protection than small or large enterprises to reduce IT costs and manage increasing complexity.
The document summarizes data from the UCAS annual conference and exhibition in 2012. It provides statistics on:
1) Applicant and acceptance numbers for 2012 which showed declines compared to 2011, with total applicants down 7.1% and acceptances down 6.2%. UK applicants saw larger declines than EU or non-EU applicants.
2) Data on reapplicants showing over a quarter of younger UK reapplicants changed their mind about what/where to study. Mature UK reapplicants were least confident of being accepted.
3) Acceptance rates remained high for applicants with AAB and ABB A-levels, with the proportion of such applicants and acceptances increasing between 2008
Kleiner Perkins Mary Meeker Internet Trends 2012TedOBrien
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth despite rising user numbers. This gap represents a major opportunity for the mobile industry to develop new monetization models.
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth for companies like Google and Facebook as mobile usage increases. However, mobile traffic and app revenues are also growing quickly, suggesting substantial monetization potential if these gaps can be closed.
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth for companies even as user engagement shifts to mobile. However, the document also notes that the mobile market still has significant room for monetization growth over time.
Basic Stats – Internet Growth Remains Robust, Rapid Mobile Adoption Still in Early Stages
2) Re-Imagination – of Nearly Everything
3) Economy – Mixed Trends, With Negative Bias
4) ‘USA, Inc.’ – A Lot to be Excited About in Tech, A Lot to be Worried about in Other Areas
5) Bubble – or Not?
Sustainable Brand Perception vs. Performance: Reducing the Gap - Katie CoxSustainable Brands
Increasingly, evidence demonstrates that global stakeholders across the board are expecting business to deliver greater value beyond just a slicker product or bigger profits. This panel provides three types of filters for decision-making as to how to prioritize your sustainable innovation initiatives such that you might recognize most uplift in stakeholder support.
The ICEF i-graduate Agent Barometer 2012 by Mr. Rod Hearps. Vice President, ICEFSantamaria
The ICEF i-graduate Agent Barometer 2012 by Mr. Rod Hearps. Vice President, ICEF rhearps@icef.com. Presented on TIEE 2013 Seminar (22 February 2013) at Royal Paragon Hall, Siam Paragon.
Findings of Symantec's 2010 State of the Data Center study. Now in its third year, the study found that mid-sized enterprises (2,000 to 9,999 employees) are more likely to adopt cutting-edge technologies such as cloud computing, deduplication, replication, storage virtualization, and continuous data protection than small or large enterprises to reduce IT costs and manage increasing complexity.
The document summarizes data from the UCAS annual conference and exhibition in 2012. It provides statistics on:
1) Applicant and acceptance numbers for 2012 which showed declines compared to 2011, with total applicants down 7.1% and acceptances down 6.2%. UK applicants saw larger declines than EU or non-EU applicants.
2) Data on reapplicants showing over a quarter of younger UK reapplicants changed their mind about what/where to study. Mature UK reapplicants were least confident of being accepted.
3) Acceptance rates remained high for applicants with AAB and ABB A-levels, with the proportion of such applicants and acceptances increasing between 2008
Kleiner Perkins Mary Meeker Internet Trends 2012TedOBrien
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth despite rising user numbers. This gap represents a major opportunity for the mobile industry to develop new monetization models.
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth for companies like Google and Facebook as mobile usage increases. However, mobile traffic and app revenues are also growing quickly, suggesting substantial monetization potential if these gaps can be closed.
This document summarizes key trends in internet and mobile usage from a presentation given on May 30, 2012. It finds that while internet and mobile adoption continues to grow rapidly globally, mobile monetization faces challenges. Specifically, mobile advertising rates and revenues per user are significantly lower than desktop levels, constraining revenue growth for companies even as user engagement shifts to mobile. However, the document also notes that the mobile market still has significant room for monetization growth over time.
Basic Stats – Internet Growth Remains Robust, Rapid Mobile Adoption Still in Early Stages
2) Re-Imagination – of Nearly Everything
3) Economy – Mixed Trends, With Negative Bias
4) ‘USA, Inc.’ – A Lot to be Excited About in Tech, A Lot to be Worried about in Other Areas
5) Bubble – or Not?
1) Digital channels are shifting how businesses balance customer experience and fraud prevention, with new data sources and decision models emerging.
2) Fraud prevention platforms use multiple checks such as device identification, location data, and biometrics to verify identities while providing a seamless customer experience.
3) Digital identity verification companies aim to allow users to prove their identity once and then reuse that verification for other purposes, reducing friction compared to knowledge-based authentication or storing documents, while still effectively addressing identity fraud risks.
Protecting Digital Cash on the Move - Stories from the FieldTransUnion
As mobile cash adoption soars, so does cyber criminal activity in the form of identity theft, payment fraud and account takeover attempts. Without device intelligence, it is hard to determine which customers are known and trusted and which ones may need to be stopped.
Providing a safe and secure mobile transfer service means teaming up with a trusted fraud prevention partner with a proven track record for keeping bad actors out. Learn how nTrust, a Canadian peer-2-peer (p2p) lending company successfully join forces with iovation and the global consortium to evaluate risk in the cloud up front in real-time to stop and reduce fraud.
In this webinar, you will learn:
* How nTrust has reduced fraud through their unique rules-based setup
* How to reduce customer friction for a seamless user experience
* How to prevent downstream damage by stopping fraud at login
Register today to hear nTrust in iovation's "Stories from the Field" webinar series
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
The Digital Battleground - Protecting the Customer Experience in the midst of...Experian
Combating fraud across the digital landscape has become a strategic imperative for businesses across Asia-Pacific. Beyond investing in digital commerce, businesses are faced with a growing sophistication of fraud driven by organised criminals.
Learn how the digital landscape is impacting fraud trends across different sectors within Asia-Pacific and how businesses can prepare for future fraud risks whilst ensuring the customer experience is protected amidst these rising fraud threats.
Creating a Winning Experience While Battling Online FraudTransUnion
You have a business with a big online presence and have dealt with fraud before - very likely in many forms and at many different customer touch points. Fraudsters are smart, so you must outsmart them.
At the same time, to ensure the success of your online presence, it's critical that you create the best and most engaging experience possible for your customers, attract new customers, retain those who are already loyal, and encourage all of them to spend more with you.
How can you do all of this while keeping fraudsters out to minimize your fraud losses?
With emerging technologies such as predictive, adaptive transaction scoring using real-time machine learning and device intelligence, along with frictionless customer authentication, it's easier than you think.
The document discusses gift card fraud and solutions for retailers. It notes that gift card sales have grown significantly, including through digital and mobile channels, but this growth has also increased vulnerability to fraud. The document then discusses three solutions retailers should consider: completely outsourcing fraud management, handling it in-house, or using third-party services. It emphasizes assessing current fraud prevention capabilities before determining a strategy to ensure the right level of protection and customer experience.
Understanding the Card Fraud Lifecycle : A Guide For Private Label IssuersChristopher Uriarte
With credit card fraud dramatically on the rise, particularly in the form of card-not-present (CNP) fraud across Internet and Mail Order/Telephone Order (MOTO) channels, it is important for private label issuers to understand the depth of this problem and how it affects their merchant portfolio and their ability to accept private label cards. Private label cards were often considered to be “low risk”, relative to traditional bank cards, but our current analysis has shown the contrary: fraudsters are increasingly using private label cards as the payment instrument in CNP channels and merchants are at great risk if specific strategies are not put in place to stop it.
Ipsos MORI Global @dvisor: Celebrity Endorsements August 2011Ipsos UK
This document summarizes the results of an Ipsos MORI poll on celebrity endorsements conducted in 24 countries in June 2011. The poll found that globally, 27% of respondents said they would consider stopping buying a product if the celebrity endorser engaged in misbehavior, while 28% said they would not consider stopping. Chinese respondents were most likely to stop buying (58%), while Swedes were least likely (13%). The poll also found that 25% of respondents had actually stopped buying a product due to celebrity misbehavior, ranging from 66% in China to 11% in Belgium who had stopped.
The document provides an overview of global internet trends from the 1st quarter of 2012. Some key points:
- Asia Pacific has become the largest region for internet users, surpassing North America. Emerging markets are adopting broadband and skipping dial-up.
- Social networking sites now attract more unique visitors and engagement than email sites. Pinterest has seen exponential growth since 2011.
- Online video viewing continues to increase globally, with the average US internet user viewing 243 videos per month for 21 hours total.
- Mobile internet and ecommerce are driving growth worldwide, though monetization remains a challenge. Global search traffic rose 22% year-over-year.
Mobile phones!
Praekelt Foundation:
- Developed an SMS system to remind patients of appointments
- Collect medical history via SMS
- Send SMS to clinics with patient data
- Clinics can send SMS back with appointment details
Runs on Amazon EC2 and S3
Over 1 million patients enrolled
Appointment adherence increased from 50% to 85%
Lessons: Mobile is key to healthcare in developing world
#1: Discovr Apps
#2: L&T Infotech
#3: V-serv.mobi
#4: Praekelt
#5: Kuliza
The document discusses a survey of 120 Indian students in the US about the film Slumdog Millionaire and their impressions of Americans. Key findings include:
1. Most respondents associated positive characteristics like honest, inventive, and caring with Americans. However, about a quarter associated Americans with greedy, violent, and immoral.
2. Compared to other countries, Indian students were less likely than most to see Americans as rude or violent but more likely to see them as honest.
3. The majority of respondents were male, graduate students of Hindu faith from South India. Most had a positive view of Americans' character.
The document provides an overview of global and US internet trends in the 1st quarter of 2012. Some key points:
- The US is no longer the center of the online universe, with Asia Pacific now the largest region at over 41% of internet users. Emerging markets are adopting broadband and mobile at higher rates than older technologies like dial-up.
- While US internet growth was 5.3%, some countries like India and Italy saw over 20% growth. Canadians spent the most time online on average at over 44 hours per month.
- Social networking surpassed email worldwide in unique visitors and time spent, with sites like Pinterest seeing exponential growth rates over the past year. The average US internet user viewed 243
comScore: State of US Internet Q1 2012InDigital.md
The document provides an overview of global and US internet trends in the 1st quarter of 2012. Some key points:
- The US is no longer the center of the online universe, with Asia Pacific now the largest region at over 41% of internet users.
- Social networking sites are seeing more unique visitors and minutes spent than email sites globally.
- The average US internet user viewed 243 videos totaling 21 hours and 22 minutes in March 2012.
- Google sites accounted for over two-thirds of the 177 billion searches conducted worldwide in April 2012, while Baidu was the second largest with 13.8 billion searches.
Chile has experienced strong economic growth in recent decades. It has a population of 16.3 million people and GDP of $145 billion in 2006. Chile has a highly educated workforce, with over 90% completing secondary education. Chile also has a very attractive business environment, ranking highly in indexes for ease of doing business and competitiveness. Its sound economic fundamentals and policies have contributed to continued economic expansion and stability.
Edelman's annual Trust Barometer survey found that overall trust increased slightly in 2013 but intensity of trust remained weak. Business trust outpaced government trust in 16 of 26 markets. Corruption/fraud and incompetence were cited as top reasons for decreasing trust in institutions. In China, corruption was cited as the primary reason for decreasing government trust while lack of regulation was a leading factor for decreasing business trust. Technology remained the most trusted industry globally and in China.
The document provides survey results from a global study of women's mobile behaviors and content preferences. It includes:
- Responses from 39,230 self-identified women across multiple countries on 8 questions about their mobile usage and content preferences.
- Breakdowns of responses by age, country, time spent on different media and mobile activities, and preferred content types.
- Comparisons between women's responses and those from men on some questions.
- Deeper analyses of responses specifically from India and the United States.
The survey gathered insights into what women enjoy watching on their mobile devices and what kinds of content they want to see more of.
Thunderbird Online Certificate in Global Oil and Gas Management thunderbird_samir
This document provides an overview of the Thunderbird Online Certificate in Global Oil & Gas Management. The summary includes:
1) The certificate is a global education program focused on the oil and gas industry value chain, geopolitics, exploration, development, production, midstream, downstream, and future of the industry.
2) The learner profile includes professionals from around the world working in oil and gas. Past participants were from 38 countries with the majority from the United States.
3) The program content is delivered online through video lectures, interactive multimedia activities, and case studies. Upon completion, students receive a certification badge and have opportunities to network through Thunderbird partnerships.
South Korea saw a significant shift in trust levels from 2012 to 2013 according to Edelman's annual trust survey.
- In 2012, South Korea was in the "distrust" category with a trust score of 44, but jumped to the "neutral" category in 2013 with a score of 47, indicating a shift back to neutral levels of trust after high distrust the previous year.
- The survey measured trust in four institutions - business, government, NGOs, and media - among the general population and informed publics in 26 countries including South Korea. It showed varying levels of trust globally, with some countries like Germany and China seeing large increases in trust from 2008.
The document discusses the key findings of Edelman's 2013 Trust Barometer survey in Indonesia. Some of the main points include:
- Trust in institutions has recovered globally after declining in 2012, but intensity of trust remains weak. Business is now trusted more than government in 16 of 26 markets surveyed.
- There are large gaps between how important various trust-building attributes are to the public and how companies are perceived to be performing on those attributes. Listening to customers and ethical practices are seen as most important.
- Lack of integrity and corruption/fraud are seen as leading reasons for declining trust in both business and government. Trust in leaders' ability to act ethically is also very low.
The document summarizes the key findings of Edelman's 2013 Trust Barometer survey in Indonesia. Some of the main points include:
- Trust in institutions has recovered in 2013 after declining in 2012, but the intensity of trust remains weak.
- The survey measured trust in government, media, business, and NGOs across 26 countries, including over 1,000 respondents in Indonesia.
- While trust is higher in 2013, there have been significant shifts in trust levels in institutions from 2008 levels in some countries like China and India.
- Trust remains higher in emerging countries like China, India, and Brazil compared to developed countries like the US, UK, and France.
The document provides statistics about internet usage in Brazil from a presentation by Alexander Banks of comScore. It includes the following key points:
- Brazil has the 4th largest internet population in the world at 74.1 million users.
- 24 million Brazilian internet users are under age 35, more than the combined audiences of several European countries.
- The southeast region of Brazil accounts for over 65% of internet usage.
- Orkut and MSN Messenger account for almost 40% of time spent online in Brazil.
- Nearly 9 out of 10 Brazilians streamed videos online in June 2010, viewing over 3 billion videos.
1) Digital channels are shifting how businesses balance customer experience and fraud prevention, with new data sources and decision models emerging.
2) Fraud prevention platforms use multiple checks such as device identification, location data, and biometrics to verify identities while providing a seamless customer experience.
3) Digital identity verification companies aim to allow users to prove their identity once and then reuse that verification for other purposes, reducing friction compared to knowledge-based authentication or storing documents, while still effectively addressing identity fraud risks.
Protecting Digital Cash on the Move - Stories from the FieldTransUnion
As mobile cash adoption soars, so does cyber criminal activity in the form of identity theft, payment fraud and account takeover attempts. Without device intelligence, it is hard to determine which customers are known and trusted and which ones may need to be stopped.
Providing a safe and secure mobile transfer service means teaming up with a trusted fraud prevention partner with a proven track record for keeping bad actors out. Learn how nTrust, a Canadian peer-2-peer (p2p) lending company successfully join forces with iovation and the global consortium to evaluate risk in the cloud up front in real-time to stop and reduce fraud.
In this webinar, you will learn:
* How nTrust has reduced fraud through their unique rules-based setup
* How to reduce customer friction for a seamless user experience
* How to prevent downstream damage by stopping fraud at login
Register today to hear nTrust in iovation's "Stories from the Field" webinar series
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
The Digital Battleground - Protecting the Customer Experience in the midst of...Experian
Combating fraud across the digital landscape has become a strategic imperative for businesses across Asia-Pacific. Beyond investing in digital commerce, businesses are faced with a growing sophistication of fraud driven by organised criminals.
Learn how the digital landscape is impacting fraud trends across different sectors within Asia-Pacific and how businesses can prepare for future fraud risks whilst ensuring the customer experience is protected amidst these rising fraud threats.
Creating a Winning Experience While Battling Online FraudTransUnion
You have a business with a big online presence and have dealt with fraud before - very likely in many forms and at many different customer touch points. Fraudsters are smart, so you must outsmart them.
At the same time, to ensure the success of your online presence, it's critical that you create the best and most engaging experience possible for your customers, attract new customers, retain those who are already loyal, and encourage all of them to spend more with you.
How can you do all of this while keeping fraudsters out to minimize your fraud losses?
With emerging technologies such as predictive, adaptive transaction scoring using real-time machine learning and device intelligence, along with frictionless customer authentication, it's easier than you think.
The document discusses gift card fraud and solutions for retailers. It notes that gift card sales have grown significantly, including through digital and mobile channels, but this growth has also increased vulnerability to fraud. The document then discusses three solutions retailers should consider: completely outsourcing fraud management, handling it in-house, or using third-party services. It emphasizes assessing current fraud prevention capabilities before determining a strategy to ensure the right level of protection and customer experience.
Understanding the Card Fraud Lifecycle : A Guide For Private Label IssuersChristopher Uriarte
With credit card fraud dramatically on the rise, particularly in the form of card-not-present (CNP) fraud across Internet and Mail Order/Telephone Order (MOTO) channels, it is important for private label issuers to understand the depth of this problem and how it affects their merchant portfolio and their ability to accept private label cards. Private label cards were often considered to be “low risk”, relative to traditional bank cards, but our current analysis has shown the contrary: fraudsters are increasingly using private label cards as the payment instrument in CNP channels and merchants are at great risk if specific strategies are not put in place to stop it.
Ipsos MORI Global @dvisor: Celebrity Endorsements August 2011Ipsos UK
This document summarizes the results of an Ipsos MORI poll on celebrity endorsements conducted in 24 countries in June 2011. The poll found that globally, 27% of respondents said they would consider stopping buying a product if the celebrity endorser engaged in misbehavior, while 28% said they would not consider stopping. Chinese respondents were most likely to stop buying (58%), while Swedes were least likely (13%). The poll also found that 25% of respondents had actually stopped buying a product due to celebrity misbehavior, ranging from 66% in China to 11% in Belgium who had stopped.
The document provides an overview of global internet trends from the 1st quarter of 2012. Some key points:
- Asia Pacific has become the largest region for internet users, surpassing North America. Emerging markets are adopting broadband and skipping dial-up.
- Social networking sites now attract more unique visitors and engagement than email sites. Pinterest has seen exponential growth since 2011.
- Online video viewing continues to increase globally, with the average US internet user viewing 243 videos per month for 21 hours total.
- Mobile internet and ecommerce are driving growth worldwide, though monetization remains a challenge. Global search traffic rose 22% year-over-year.
Mobile phones!
Praekelt Foundation:
- Developed an SMS system to remind patients of appointments
- Collect medical history via SMS
- Send SMS to clinics with patient data
- Clinics can send SMS back with appointment details
Runs on Amazon EC2 and S3
Over 1 million patients enrolled
Appointment adherence increased from 50% to 85%
Lessons: Mobile is key to healthcare in developing world
#1: Discovr Apps
#2: L&T Infotech
#3: V-serv.mobi
#4: Praekelt
#5: Kuliza
The document discusses a survey of 120 Indian students in the US about the film Slumdog Millionaire and their impressions of Americans. Key findings include:
1. Most respondents associated positive characteristics like honest, inventive, and caring with Americans. However, about a quarter associated Americans with greedy, violent, and immoral.
2. Compared to other countries, Indian students were less likely than most to see Americans as rude or violent but more likely to see them as honest.
3. The majority of respondents were male, graduate students of Hindu faith from South India. Most had a positive view of Americans' character.
The document provides an overview of global and US internet trends in the 1st quarter of 2012. Some key points:
- The US is no longer the center of the online universe, with Asia Pacific now the largest region at over 41% of internet users. Emerging markets are adopting broadband and mobile at higher rates than older technologies like dial-up.
- While US internet growth was 5.3%, some countries like India and Italy saw over 20% growth. Canadians spent the most time online on average at over 44 hours per month.
- Social networking surpassed email worldwide in unique visitors and time spent, with sites like Pinterest seeing exponential growth rates over the past year. The average US internet user viewed 243
comScore: State of US Internet Q1 2012InDigital.md
The document provides an overview of global and US internet trends in the 1st quarter of 2012. Some key points:
- The US is no longer the center of the online universe, with Asia Pacific now the largest region at over 41% of internet users.
- Social networking sites are seeing more unique visitors and minutes spent than email sites globally.
- The average US internet user viewed 243 videos totaling 21 hours and 22 minutes in March 2012.
- Google sites accounted for over two-thirds of the 177 billion searches conducted worldwide in April 2012, while Baidu was the second largest with 13.8 billion searches.
Chile has experienced strong economic growth in recent decades. It has a population of 16.3 million people and GDP of $145 billion in 2006. Chile has a highly educated workforce, with over 90% completing secondary education. Chile also has a very attractive business environment, ranking highly in indexes for ease of doing business and competitiveness. Its sound economic fundamentals and policies have contributed to continued economic expansion and stability.
Edelman's annual Trust Barometer survey found that overall trust increased slightly in 2013 but intensity of trust remained weak. Business trust outpaced government trust in 16 of 26 markets. Corruption/fraud and incompetence were cited as top reasons for decreasing trust in institutions. In China, corruption was cited as the primary reason for decreasing government trust while lack of regulation was a leading factor for decreasing business trust. Technology remained the most trusted industry globally and in China.
The document provides survey results from a global study of women's mobile behaviors and content preferences. It includes:
- Responses from 39,230 self-identified women across multiple countries on 8 questions about their mobile usage and content preferences.
- Breakdowns of responses by age, country, time spent on different media and mobile activities, and preferred content types.
- Comparisons between women's responses and those from men on some questions.
- Deeper analyses of responses specifically from India and the United States.
The survey gathered insights into what women enjoy watching on their mobile devices and what kinds of content they want to see more of.
Thunderbird Online Certificate in Global Oil and Gas Management thunderbird_samir
This document provides an overview of the Thunderbird Online Certificate in Global Oil & Gas Management. The summary includes:
1) The certificate is a global education program focused on the oil and gas industry value chain, geopolitics, exploration, development, production, midstream, downstream, and future of the industry.
2) The learner profile includes professionals from around the world working in oil and gas. Past participants were from 38 countries with the majority from the United States.
3) The program content is delivered online through video lectures, interactive multimedia activities, and case studies. Upon completion, students receive a certification badge and have opportunities to network through Thunderbird partnerships.
South Korea saw a significant shift in trust levels from 2012 to 2013 according to Edelman's annual trust survey.
- In 2012, South Korea was in the "distrust" category with a trust score of 44, but jumped to the "neutral" category in 2013 with a score of 47, indicating a shift back to neutral levels of trust after high distrust the previous year.
- The survey measured trust in four institutions - business, government, NGOs, and media - among the general population and informed publics in 26 countries including South Korea. It showed varying levels of trust globally, with some countries like Germany and China seeing large increases in trust from 2008.
The document discusses the key findings of Edelman's 2013 Trust Barometer survey in Indonesia. Some of the main points include:
- Trust in institutions has recovered globally after declining in 2012, but intensity of trust remains weak. Business is now trusted more than government in 16 of 26 markets surveyed.
- There are large gaps between how important various trust-building attributes are to the public and how companies are perceived to be performing on those attributes. Listening to customers and ethical practices are seen as most important.
- Lack of integrity and corruption/fraud are seen as leading reasons for declining trust in both business and government. Trust in leaders' ability to act ethically is also very low.
The document summarizes the key findings of Edelman's 2013 Trust Barometer survey in Indonesia. Some of the main points include:
- Trust in institutions has recovered in 2013 after declining in 2012, but the intensity of trust remains weak.
- The survey measured trust in government, media, business, and NGOs across 26 countries, including over 1,000 respondents in Indonesia.
- While trust is higher in 2013, there have been significant shifts in trust levels in institutions from 2008 levels in some countries like China and India.
- Trust remains higher in emerging countries like China, India, and Brazil compared to developed countries like the US, UK, and France.
The document provides statistics about internet usage in Brazil from a presentation by Alexander Banks of comScore. It includes the following key points:
- Brazil has the 4th largest internet population in the world at 74.1 million users.
- 24 million Brazilian internet users are under age 35, more than the combined audiences of several European countries.
- The southeast region of Brazil accounts for over 65% of internet usage.
- Orkut and MSN Messenger account for almost 40% of time spent online in Brazil.
- Nearly 9 out of 10 Brazilians streamed videos online in June 2010, viewing over 3 billion videos.
Social Media Marketing in the American and French wine industry in 2012pierrickbouquet
Every year, for the past three years, ABLE has been conducting surveys on Social Media in the American and French wine industries. This year survey was conducted in October 2012 and analyzes the impact of social media marketing on the world of wine, and compares how two key players (France and the United States) are embracing new technology. Results were presented during the 2012 European Wine Blogger Conference in Izmir.
The survey asked 121,708 global consumers about their habits and lifestyles. Key findings:
1) When considering purchases, 48% of global respondents look up info on their phone first, while 15% wait until using a computer.
2) Over half of global respondents said friends have not criticized them for phone use, while 32% said they sometimes get criticized.
3) Nearly half of global respondents are not ashamed of their phones, while 30% said they were ashamed due to their phone being old.
4) For most global respondents, what people notice first is their clothing or watch, not their phone model.
China Lte Summit Rob Van Den Dam Final May 5 2011Rob Van Den Dam
This document discusses trends in the mobile communications industry from 2011-2015. It summarizes findings from an IBM consumer survey of 22 countries. The key points are:
1) Emerging markets are increasingly driving growth in the mobile industry, with countries like China, India, Brazil and Russia experiencing much higher revenue growth than Western Europe, Japan and North America.
2) Customers in emerging countries expressed significantly higher sentiment around increasing spending on mobile broadband and mobile telecom services over the next 2-3 years compared to developed markets.
3) The document outlines four potential future scenarios for the mobile industry between 2011-2015 based on trends and changing revenue/profitability outlooks.
Similar to How Your Customer Thinks About Payments Fraud (20)
The Customer Engagement Roadmap - The Key to Increasing the Value of Your Membership Base
Want to increase your subscription site’s profitability? The Customer Engagement Roadmap will show you how!
This document contains a list of 14 single words, each beginning with a different letter, ranging from A to T. The words include various materials, colors, audio equipment and other nouns. Overall, the document presents an alphabetical listing of short single words from different semantic categories.
This document provides an overview of software quality assurance. It discusses key quality concepts, quality control, the cost of quality, and software quality assurance. It also describes formal technical reviews, statistical quality assurance, software reliability, and the components of a software quality assurance plan. The goal of software quality assurance is to achieve a high-quality software product through standards, reviews, testing, and other quality control measures.
The document describes JEEVA, a mobile application for recognizing, collecting, sharing, surveying, and exploring flora and fauna. The app allows users to take photos of plants and animals and upload them to the system for identification. If the photo is of a new species, the user can start a new section for it. Otherwise, the user can update existing details. The app is intended for academic, conservation, exploration, and nature lovers to study nature. It has features like image recognition of species, location-based species reporting, automatic species notifications, guides and checklists, article writing and sharing, and discussions. Potential users include students, researchers, tourists, Ayurvedic practitioners, conservation organizations, nature lovers
This document provides tutorials for learning Apex programming using the Force.com platform. The tutorials cover topics such as creating custom objects, using the Developer Console, creating sample data, defining classes, Apex language fundamentals like data types and variables, executing transactions, adding triggers, writing unit tests, and integrating Apex with Visualforce. The goal is to provide hands-on exercises to help developers learn the Apex language and how to develop applications using the Force.com platform. Completing the tutorials will equip developers with essential Apex programming skills.
Breaking Up is Hard to Do: Small Businesses’ Love Affair with ChecksVivastream
This document discusses small businesses' reliance on checks and the challenges they face in adopting electronic payments. It notes that small businesses write billions of checks per year at high costs. While checks meet their needs of being easy to use and widely accepted, electronic payments could offer benefits like cost savings and fraud protection. However, small businesses are often too busy with core operations to prioritize alternatives. The document also outlines hurdles small businesses face in using ACH or credit cards, such as navigating bank requirements and understanding fees. It suggests that businesses more open to electronic payments tend to have standardized payment processes or receive remittance data with payments.
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This document summarizes key findings from a global consumer banking survey conducted by EY. Some of the main points include:
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This document summarizes the key findings from EY's 2014 Global Consumer Banking Survey. Some of the main points include:
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2. Customer experience is a key factor influencing trust and advocacy. Customers cited how they are treated and quality of communications as important reasons for trust. Experience also influenced account openings and closings.
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2. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
2
3. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
3
4. Today’s Speakers
Mike Braatz Shirley Inscoe
SVP & Product Line Manager Senior Analyst
Confidential 4
5. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
5
6. Research Methodology
• Q3 2012 survey of 5,223 consumers (over 300 per country)
• The study was conducted in a total of 17 countries across the following
regions:
– The Americas (North and South America): Brazil, Canada, Mexico, and the
United States
– EMEA (Europe, the Middle East, and Africa): France, Germany, Italy, the
Netherlands, South Africa, Sweden, the United Arab Emirates, and the United
Kingdom
– Asia-Pacific: Australia, China, India, Indonesia, and Singapore
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7. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
7
8. Global fraud rates by country
Percentage of Respondents Who Have Experienced Card Fraud
(N=5,114)
Mexico 44%
United States 42%
India 37%
The U.A.E. 36%
China 36%
United Kingdom 34%
Brazil 33%
Australia 31%
Singapore 26%
South Africa 25%
Canada 25%
Italy 24%
France 20%
Indonesia 18%
Germany 13%
The Netherlands 12%
Sweden 12%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
1 in 4 cardholders (27%) experienced fraud in the past five
years.
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9. Credit card fraud rates by country
Q. Have you experienced fraud on your credit card in the past 5 years?
(N=5,114)
United States 37%
Mexico 37%
The U.A.E. 33%
United Kingdom 31%
Brazil 30%
Australia 30%
China 27%
India 27%
Singapore 23%
Italy 22%
South Africa 20%
Canada 19%
France 18%
Indonesia 14%
Sweden 11%
Germany 10%
The Netherlands 8%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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10. Debit card fraud rates by country
Q. Have you experienced fraud on your debit card in the past 5 years?
(N=5,114)
Mexico 25%
China 24%
India 21%
United States 20%
United Kingdom 17%
Brazil 17%
Canada 13%
France 12%
South Africa 12%
Singapore 11%
The U.A.E. 11%
Sweden 11%
Italy 10%
Australia 9%
The Netherlands 9%
Indonesia 8%
Germany 6%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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11. Prepaid card fraud rates by country
Country (N=5,114) Experienced fraud during past 5 years
India 19%
China 16%
Mexico 10%
Italy 9%
Brazil 7%
Singapore 6%
The U.A.E. 6%
United States 5%
Indonesia 4%
South Africa 4%
Germany 3%
Sweden 3%
France 3%
Australia 2%
Canada 2%
United Kingdom 1%
The Netherlands 1%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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12. Multiple incidents of card fraud
globally
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
The increase in the percentage of cardholders who experienced
fraud more than one time is statistically significant.
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13. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
13
15. Research Key Takeaways
1. Financial institutions risk losing customers who
experience fraud
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16. Satisfaction levels and attrition
Q. How happy were you with the treatment from your card provider after
experiencing fraud, and did you change providers?
(n=431)
56%
37%
27%
15% 12% 15%
10% 7%
United States Canada Mexico Brazil
Unhappy with treatment from card provider
Changed card providers after experiencing fraud
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17. Satisfaction level factors - the
Americas
Q. What is I was
the main How easy happy
Speed with
factor that it was to with all
which FI I was not at
influenced Speed with Speed with notify my aspects of
identified all happy
how happy which FI which FI FI of the treatment
the fraud with the
you were replaced my reimbursed issue and from my
and brought treatment
with your card my money get FI
it to my from my FI
financial reimbursed
attention
institution?
(n=431)
Brazil 23% 7% 29% 19% 8% 14%
Canada 43% 14% 10% 10% 20% 3%
Mexico 17% 6% 12% 24% 17% 24%
United 37% 9% 14% 12% 26% 2%
States
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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18. Back of wallet behavior – the
Americas
Q. After you
experienced
fraud, did you use
Used cash instead
cash or an
Yes, in all Yes, but only in of my debit card,
alternate payment No
situations some situations but not instead of
method rather
my credit card
than your card?
(n=431)
Brazil 15% 42% 4% 39%
Canada 3% 31% 5% 61%
Mexico 12% 56% 3% 29%
United States 7% 37% 2% 54%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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19. Replacement cards – the Americas
Q. As a result of the data breach or fraud, did you use the
Yes No
replacement card less than the original card? (n=277)
Brazil 56% 44%
Canada 24% 76%
Mexico 63% 37%
United States 33% 67%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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20. Research Key Takeaways
1. Financial institutions risk losing customers who
experience fraud
2. Consumers fear of identity theft is increasing
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21. Global comparisons to prior year…
• Fear from identity theft is increasing – 26% of 2011
respondents stated that their biggest fear related to fraud
was reclaiming their financial identity if they became
victims of identity theft; in 2012, 49% of respondents state
they are “very concerned” about this issue
• Identity fraud was the top worry in 2012 followed by
online banking fraud and card fraud – identity fraud did
not appear in the top 2 in 2011
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22. Greatest fraud risks in the Americas
Q. Which of the following do you believe represents the greatest fraud
risk? (n=1,224)
37%
Theft by computer hacker 17%
30%
33%
14%
Paper forms with card or acct 21%
numbers 19%
19%
United States
7%
Using card for telephone 20%
purchases 10%
18%
Mexico
12%
Shopping online 20%
15%
12%
Canada
5%
Using phone or tablet to shop, pay 5%
bills 4%
3%
Brazil
4%
Shopping in a store 5%
6%
3%
7%
Using credit card traveling on 5%
vacation 9%
2%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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23. Research Key Takeaways
1. Financial institutions risk losing customers who
experience fraud
2. Consumers fear of identity theft is increasing
3. Some consumers continue to exhibit risky behaviors
which could lead to fraud
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24. Risky consumer behavior - Americas
Q. Which of these actions have you taken in the past 5 years? United
Brazil Canada Mexico
(n=1,224) States
Made a note of PIN and carried it with me or kept it with my
16% 4% 9% 7%
card
Thrown bank statements or ATM receipt in the trash 45% 25% 36% 23%
Used online banking or Internet shopping without security
22% 6% 20% 13%
software or on a public computer
Responded to emails or calls asking for bank details 8% 3% 7% 6%
Not used the auto lock feature on my mobile phone 21% 11% 17% 18%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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25. Global comparisons to prior year…
• No improvements in risky behavior:
– 12% indicated making a note of their PIN and carrying it with them
or with their card in 2012 maintaining the same 12% rate who did
so in 2011
– 16% shopped on the Internet or used online banking without
security software or on a public computer in 2012, the same rate
in 2011
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26. Research Key Takeaways
1. Financial institutions risk losing customers who
experience fraud
2. Consumers fear of identity theft is increasing
3. Some consumers continue to exhibit risky behaviors
which could lead to fraud
4. Consumers have a strong desire to partner with
financial institutions for fraud prevention
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27. Consumer preference concerning alerts
Q. If you were to receive an alert or notification about fraud
United
activity from your financial institution, which action would you Brazil Canada Mexico
States
prefer (n=1,224)
Bank does not allow any transactions until I respond to alert 85% 75% 89% 63%
Bank continues to allow transactions consistent with my past 11% 22% 8% 32%
history
Bank allows all activity unless I notify them otherwise 4% 3% 3% 5%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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29. Fraud education – the Americas
Q. Has your financial institution provided any guidance or United
Brazil Canada Mexico
tips for anti-fraud? (n=1,224) States
Yes, I've received emails from them with anti-fraud
15% 15% 14% 19%
information
Yes, I've received mail from them with anti-fraud
15% 13% 5% 22%
information
Yes, I've seen this on my financial institution's website 25% 17% 14% 13%
Don't recall receiving any anti-fraud information from my
42% 52% 65% 43%
financial institution
Not applicable 3% 3% 2% 3%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
Confidential 29
30. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
30
31. Recommendations for financial
institutions
• Provide fast, easy recovery processes. Simplify and make fraud
resolution process simple and easy - it may curtail fraud-related
attrition.
• Share your fraud policy. Make consumers aware of how you work
with them after a fraud incident - consumers care about fraud
resolution.
• Reassure your customers. Instilling confidence in your process will
minimize risk of non-use of replacement cards or using cash
alternatives.
• Educate consumers about fraud. The messages are still not being
heard. In most countries, a large % of consumers do not recall ever
having their institution providing information related to fraud.
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32. Recommendations for financial
institutions
• Telephone and text. By a large majority, customers indicate they
prefer to be contacted about a fraud alert via their mobile phone by a
call or text message or via their home phone.
• Regularly update customer data. Institutions should update their
records of consumers’ email addresses and mobile numbers to
facilitate communication. A simple process will encourage customers
to participate.
• Enlist consumers in combating fraud. There is a willingness for
active participation when fraud is detected . Engage them in the fight.
• Proactively prevent fraud. Consumers know fraud schemes are
pervasive. Customer satisfaction rates with FI’s are highest when the
company detects fraud and notifies the consumer of it.
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33. Agenda
• About the Speakers
• Research Approach
• Overview of 2012 Research Results
• Key Takeaways
• Recommendations
• Questions & Answers
33
36. Satisfaction levels and attrition -
EMEA
Q. How happy were you with the treatment from your card provider after
experiencing fraud, and did you change providers?
(n=519)
57%
45%
37%
27% 26% 28% 26%
21% 20%
15% 13% 12% 13%
9% 10% 9%
Italy The U.A.E. Germany S. Africa The U.K. France Sweden
Netherlands
Were unhappy with treatment from card provider
Changed fraud providers after experiencing fraud
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37. Satisfaction level factors - EMEA
Q. What is the
main factor that Speed with
How easy it I was happy I was not at
influenced how which FI Speed with Speed with
was to notify with all all happy
happy you were identified the which FI which FI
my FI of the aspects of with the
with your fraud and reimbursed replaced
issue and get treatment treatment
financial brought it to my money my card
reimbursed from my FI from my FI
institution? my attention
(n=533)
France 32% 18% 13% 17% 13% 7%
Germany 24% 13% 29% 10% 16% 8%
Italy 32% 23% 11% 9% 3% 22%
The Netherlands 31%t 26% 9% 11% 14% 9%
South Africa 19% 20% 8% 17% 27% 9%
Sweden 30% 22% 11% 16% 16% 5%
The U.A.E. 27% 21% 17% 11% 8% 16%
United Kingdom 37% 30% 9% 10% 13% 1%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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38. Back of wallet behavior - EMEA
Q. After you experienced fraud, did you Used cash instead
Yes, in all Yes, in some
use cash or an alternate payment method No of debit card, but
situations situations
rather than your card? (n=533) not credit card
France 13% 25% 60% 2%
Germany 18% 32% 45% 5%
Italy 15% 35% 44% 6%
The Netherlands 3% 14% 83% 0%
South Africa 15% 36% 45% 4%
Sweden 5% 33% 62%. 0%
The U.A.E. 12% 45% 41% 2%
United Kingdom 9% 30% 58% 3%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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39. Replacement cards - EMEA
Q. As a result of the data breach or fraud, did you use the replacement
Yes No
card less than the original card? (n=322)
France 25% 75%
Germany 36% 64%
Italy 34% 66%
The Netherlands 33% 67%
South Africa 51% 49%
Sweden 26% 74%
The U.A.E. 40% 60%
United Kingdom 38% 62%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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40. Risky consumer behaviors – EMEA
Q. Which of the following have The
South Swe- The
you done in the past 5 years? France Germany Italy Nether U.K.
Africa den U.A.E.
(n=2,442) -lands
Made a note of PIN and
carried it with you or kept it 3% 10% 17% 2% 12% 9% 14% 12%
with your card
Thrown bank statements or
33% 15% 32% 14% 58% 43% 41% 16%
ATM receipt in the trash
Used online banking or
Internet shopping without
10% 14% 19% 3% 17% 14% 24% 8%
security software or on a
public computer
Responded to emails or calls
4% 5% 4% 3% 5% 4% 12% 3%
asking for bank details
Not used the auto lock feature
13% 16% 19% 16% 27% 25% 24% 23%
on my mobile phone.
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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42. Fraud education - EMEA
Q. Has your financial
The
institution provided any South Swe- The
France Germany Italy Nether- U.K.
guidance or tips for anti- Africa den U.A.E.
lands
fraud? (n=2,442)
Yes, I've received email from
them with anti-fraud 11% 11% 14% 17% 43% 6% 47% 18%
information
Yes, I've received mail from
them with anti-fraud 12% 20% 13% 14% 7% 6% 10% 20%
information
Yes, I've seen this on my
financial institution's 19% 19% 16% 30% 30% 40% 19% 21%
website
Don't recall receiving any
anti-fraud information from 53% 39% 54% 31% 19% 43% 22% 38%
my financial institution
Not applicable 5% 11% 3% 8% 1% 5% 2% 3%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
Confidential 42
43. Satisfaction levels and attrition -
APAC
Q. How happy were you with the treatment from your card provider after
experiencing fraud, and did you change providers?
(n=445)
63% 60%
55%
50%
45% 45%
41% 40%
14%
3%
Indonesia India Singapore China Australia
Unhappy with treatment from card provider Changed card providers after experiencing fraud
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44. Satisfaction level factors - APAC
Q. What is
the main
Speed with
factor that I was not
which FI Speed How easy it I was happy
influenced Speed with at all
identified with was to notify with all
how happy which FI happy
the fraud which FI my FI of the aspects of
you were reimbursed with the
and brought replaced issue and get treatment
with your my money treatment
it to my my card reimbursed from my FI
financial from my FI
attention
institution?
(n=445)
Australia 29% 19% 9% 15% 25% 3%
China 25% 17% 12% 27% 8% 11%
India 31% 19% 26% 3% 8% 13%
Indonesia 34% 12% 12% 26% 14% 2%
Singapore 29% 35% 8% 9% 9% 10%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
Confidential 44
45. Back of wallet behavior - APAC
Used cash
Q. After you experienced fraud, did you use
Yes, in all Yes, in some instead of debit
cash or an alternate payment method rather No
situations situations card, but not
than your card? (n=445)
credit card
Australia 6% 34% 58% 2%
China 16% 50% 27% 7%
India 25% 52% 17% 6%
Indonesia 12% 68% 14% 6%
Singapore 8% 45% 45% 2%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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46. Replacement cards - APAC
Q. As a result of the data breach or fraud, did you use the
Yes No
replacement card less than the original card? (n=259)
Australia 37% 63%
China 73% 27%
India 73% 27%
Indonesia 78% 22%
Singapore 51% 49%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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47. Risky consumer behaviors - APAC
Q. Which of the following have you done in the
Australia China India Indonesia Singapore
past 5 years? (n=1,557)
Made a note of PIN and carried it with me or
6% 21% 26% 17% 11%
kept it with my card
Thrown bank statements or ATM receipt in the
28% 51% 45% 39% 50%
trash
Used online banking or Internet shopping
without security software or on a public 10% 30% 32% 20% 22%
computer
Responded to emails or calls asking for bank
4% 13% 23% 16% 13%
details
Not used the auto lock feature on my mobile
19% 26% 24% 23% 23%
phone
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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49. Fraud education - APAC
Q. Has your financial institution provided any
Australia China India Indonesia Singapore
guidance or tips for anti-fraud? (n=1,557)
Yes, via email 14% 17% 51% 22% 23%
Yes, via mail 29% 10% 11% 16% 18%
Yes, via their website 17% 26% 13% 19% 16%
Don't recall receiving any anti-fraud
39% 39% 18% 36% 38%
information from my financial institution.
Not applicable 1% 8% 7% 7% 5%
Source: Aite Group, ACI Worldwide study of 5,223 consumers in 17 countries, Q3 2012
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