Șase tendințe cheie de fraudă din Regatul Unit la care trebuie să fiți atenți în 2023 (Traci Krepper)

Epidemia de fraudă din Marea Britanie nu arată semne de încetinire. Consumatorii nu au fost niciodată mai vulnerabili la escrocherii și atacuri de fraudă, deoarece infractorii caută să profite și să exploateze informațiile și grijile personale ale oamenilor.

Consumatorii trebuie să fie echipați cu cunoștințele necesare pentru a rămâne vigilenți cu privire la impactul potențial al fraudei în creștere și al noilor amenințări la identitate. Iată șase tendințe pe care ne așteptăm să le vedem să se dezvolte în Marea Britanie pe parcursul anului 2023.

Fraudă autorizată prin plată push (APP).

Frauda cu plată push autorizată (sau APP) este o înșelătorie care implică un fraudator care păcălește victimele pentru a le face de bunăvoie transferuri bancare autorizate.

Research from UK Finance shows that APP fraud was up 30% in the first half of 2022 compared to the same period in 2021. As the cost-of-living crisis persists, we expect to see APP fraud accelerate significantly this year, with fraudsters finding new ways
to defraud their victims with fake emails, websites, and social media posts. Stressed consumers are, of course, more vulnerable with promises of easy return on their “investments” as well.

Within the APP landscape, certain types of fraud are growing especially rapidly. Losses related to romance scams, for example, are up by 31% for the first half of 2022 compared to the same period last year, while ‘purchase scams’ – where consumers are conned
into paying for goods they believe to be genuine – are happening with greater frequency than ever, accounting for 56% of all APP scams.

Înșelătoriile legate de cripto și investiții conduc, de asemenea, la creșteri suplimentare ale fraudei APP, deoarece oamenii caută să acopere o parte din costul prelungit al vieții și caută să folosească surse alternative de venit pentru a achita creditul folosit pentru a reduce decalajul dintre venituri.

As APP fraud is set to boom in 2023, new legislation from the UK’s Payment Systems Regulator seeks to make both paying and receiving banks responsible for related losses. With the risk of higher losses creeping onto banks’ balance sheets, Experian expects
to see major investments in solutions that detect and prevent potentially fraudulent customers and transactions based on rich data and real-time analytics.

Escrocherii cu utilitate

Preocupările consumatorilor cu privire la costurile energiei îi fac deosebit de vulnerabili la escrocherii „utilităților”. Ca rezultat, este probabil să existe o creștere rapidă a acestui tip de fraudă pe tot parcursul anului 2023.

We are seeing fraudsters targeting consumers with fake messages about how they can save money on their bills, encouraging them to make payments and give up their Personally Identifiable Information (PII), which can then be used to take out credit in their
nume.

Pentru a atenua riscul în creștere, este important ca întreprinderile și organizațiile să facă efortul conștient de a educa clienții despre comunicările autentice și despre cum pot identifica tentativele de fraudă.

In addition to these activities, utilities companies continue to invest in data-driven identity solutions that validate new client onboarding requests, and to verify that existing clients are genuine customers. These kinds of technologies help to ensure
that customer transactions are genuine and that no one is accessing utilities or interacting with the organisation under false pretences.

Fraudă în cluster

Fraudsters now have access to a wealth of rich PII about consumers, from social media platforms where people overshare their information without realising it could be used by criminals, to stolen data bought from the dark web. The availability of this information
is now enabling fraudsters to mount multi-dimensional attacks – ‘cluster fraud’ – which sees a victim targeted with a number of different scams all at once.

For example, during this kind of scheme, a fraudster may pose as a professional, personal or romantic contact and use the same set of data to present a victim with a ‘too good to be true’ crypto investment. At the same time, the victim can be targeted with
a dating scam, a utility scam or fake communications from a bank or other financial institution.

Research from Experian shows that losses from the fraud elements of these kinds of schemes are growing rapidly. Losses from scams involving fake trading platforms, for example, have increased by 19% in the last 12 months. At the same time, losses related
to crypto scams are up by around 50%, and this figure is expected to increase by a further 30% to 40% during 2023.

Frauda la prima parte 

Întrucât un număr tot mai mare de consumatori din Regatul Unit se confruntă cu dificultăți financiare din cauza climatului economic, ne așteptăm să vedem o creștere a fraudelor ipotecare, a creditelor și a împrumuturilor în următoarele 1 luni.

Some consumers may be tempted to give a misleading or incomplete view of their financial situation for a number of reasons, whether they need to re-mortgage their home to meet their obligations, wish to consolidate credit card debts with a personal loan,
or to fulfil their ambitions to move into a larger property. 

To protect their businesses and customers, institutions need solutions that support real-time, granular analysis of customers’ income and outgoings to identify material inaccuracies in consumer and business credit applications. These kinds of solutions can
help to reduce the negative impacts of 1st-party fraud.

Capacitatea de a înțelege schimbarea riscurilor de fraudă în portofoliu este o cerință critică pentru companii, astfel încât frauda primară, conturile de mule și alte tipuri de fraudă să poată fi identificate și abordate în mod continuu pentru a minimiza riscurile și pierderile.

Identitate digitală

Guvernul consideră că soluțiile de identificare digitală vor debloca o experiență îmbunătățită a utilizatorilor în lumea digitală, vor crește securitatea și vor stimula creșterea economică. ID-urile digitale vor juca un rol și mai mare în autentificarea online – dar trebuie protejate. 

Under the UK Government’s ‘Trust Framework’, consumers need to demonstrate their eligibility to work, rent and access a wide range of government services. At the same time, the number of online sites and services that require authentication – either for
onboarding or purchasing certain goods and services – continues to increase.

Pentru a satisface nevoia de identitate și autentificare online precise, fără întreruperi, observăm o creștere rapidă a ID-urilor digitale reutilizabile – atât pentru accesarea serviciilor din sectorul privat și public, cât și pentru îndeplinirea cerințelor de due diligence privind eligibilitatea.

But because the process of creating reusable digital identities is still relatively new for consumers, there is still some level of uncertainty around it. Many consumers, for example, will create reusable IDs to demonstrate their eligibility to work or rent
in the UK, possibly without realising that the process was far more than a one-time verification.

We anticipate a growth in creation of digital IDs throughout 2023, across both public and private sectors. However, it’s important ensure that an appropriate cybersecurity framework exists to protect them. If not properly looked after and secured, these
digital identities – which are not directly owned by consumers – could potentially create attack surfaces and vectors that can be exploited by fraudsters.

Emitere instant de credit

Previously, credit card applications typically took days, if not weeks, to approve or reject giving institutions an opportunity to conduct in-depth customer checks. However, a new generation of credit products where customers receive near-instant access
to funds, require real-time decisioning to minimise fraud risks.  

The leading retailers advise consumers to make one or more small purchases with their new credit line before buying expensive items such as phones or tablets. At the same time, retailers and other service providers are implementing data-driven solutions
that can check customers’ identity and credit worthiness in real time, helping them to deliver credit at a faster pace. Providers must ensure their fraud prevention systems are robust enough to deal with this.

A comprehensive and holistic view is needed to ensure compliance and minimise potential risks associated with instant credit issuing. A full view of risk in this context includes an appropriate balance between rapid onboarding processes and appropriate strong
authentication checks and compliance with know your customer (KYC) requirements. These kinds of checks and balances need to be applied across all kinds of ‘instant credit’ products, including BNPL and virtual credit cards.