英文_律商风险_2025北美零售与电商行业欺诈真实成本研究报告（美国-加拿大版）（英文版）_44页_8mb

LexisNexis True Cost of Fraud Study Summary

Introduction

The report analyzes fraud in North American retail and ecommerce, emphasizing evolving risks. It surveyed 590 executives in US and Canada, highlighting identity-based fraud, synthetic identities, and digital threats. Key themes include balancing security with customer experience to foster growth.

Key Findings

1. Customer Friction and Churn: Over 70% report increased churn from fraud controls, with payment restrictions and user experience issues leading to abandonment (e.g., pricing confusion at ~40%).
2. Escalating Fraud: Digital transactions dominate targets, accounting for ~30% of fraud costs. Synthetic identity fraud and bot attacks grow, with fraud losses rising to $4.61 per dollar for US merchants.
3. Financial and Operational Impact: Fraud extends beyond direct losses, affecting operations, customer retention, and compliance. Balance between security and usability is critical.
4. Identity Verification Challenges: Gaps in verification (e.g., email/device checks) persist across segments, with synthetic fraud especially prevalent in new account creation (~30% in US ecommerce).
5. Adoption of Solutions: AI/ML tools are underutilized; ~40% reliance on manual methods limits scalability. Varied by region and channel—Canada leads in AI, US focuses on layered strategies.

Recommendations

1. Balance Security and Experience: Use passive risk assessment (e.g., behavioral biometrics) to reduce friction.
2. Strengthen Identity Verification: Incorporate digital and behavioral intelligence at key touchpoints.
3. Enhance Automation and AI: Deploy real-time monitoring for fraud detection, combining AI with human oversight.
4. Adopt Multi-Layered Strategies: Layer tools like geolocation, device IDs, and third-party data to detect anomalies across the customer journey.
5. Invest in Data Sharing: Break down silos for richer insights and better fraud analysis.

Insights and Trends

• Synthetic identity fraud blends real/fake data, sc -:ing for ~29-32% of losses in new account creation.
• Fraud peaks in purchase transactions (~45-49%), driven by payment vulnerabilities and high transaction volumes.
• Canada shows faster AI adoption in ecommerce, while bot attacks increase in frequency despite lower shares.
• Fraud costs per dollar lost rose from ~$2.10 in 2022 to $4.61 for US merchants, signaling greater impact.

This summary captures the study's focus on protecting businesses while maintaining customer trust through strategic, technology-driven fraud prevention.