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25. November 2014

FICO Survey Finds Consumers Want to Play a Bigger Part in Protecting their Payment Cards From Fraud

25. November 2014

Time to fix problems created by fraud is a bigger worry than financial losses

SAN JOSE, Calif.—November 25, 2014 —Heading into the busiest shopping season of the year, a large majority of consumers are concerned enough about fraudulent use of their credit cards and debit cards that they want to take a more proactive role in their own security. A survey conducted in the US, Canada and the UK by FICO (NYSE:FICO), a leading predictive analytics and decision management software company, shows that fraud is top-of-mind for consumers in the wake of high-profile data breaches.

Respondents' primary concern about payment fraud wasn't financial loss, it was the time required to fix the problems created by fraud. This was the top concern for 68 percent of respondents in the US, 60 percent in Canada and 51 percent in the UK.

In the survey, 70 percent of respondents in the US said they were concerned about fraudulent use of their payment cards. In Canada, 75 percent of respondents were concerned about fraud and in the UK, 66 percent of those polled expressed concern about fraud.

Survey respondents said they were interested in tools they could use to dynamically manage their own payment security. In all three countries, more than 50 percent of consumers said they wanted to use a mobile app to control the types of transactions for which their cards could be used (e.g., in-store, online, mail order), and the maximum dollar amount for allowable transactions.

"The steady drumbeat of news about massive security breakdowns has eroded public confidence in institutional data security," said Anant Nambiar, FICO's general manager for fraud and protection, who presented on consumer fraud controls today at FICO World 2014, with FICO's vice president for Consumer Product Management, Colin McKee. "Consumers around the world clearly have an appetite for stronger payment card security, and they are eager to work with their card issuers to protect themselves."

American Consumers More Interested in Real-Time Alerts
US consumers were more interested in real-time notifications than consumers in the other two countries. Among US respondents, 63 percent said they would use a service that sends email or text messages when suspicious activity is observed on their payment cards. In Canada, 51 percent of respondents said they would use such a service, while 46 percent of respondents in the UK were interested in that type of service.

The online survey was conducted by FICO in Canada, the UK and the US during October 2014, with 1265 consumers participating.

Über FICO
FICO (NYSE: FICO) ist ein führender Anbieter von Predictive Analytics und Softwarelösungen für Entscheidungsmanagement, das Unternehmen in über 90 Ländern dabei unterstützt, bessere Entscheidungen zu treffen, um Wachstum, Profitabilität und Kundenzufriedenheit zu steigern. Der zukunftsweisende Einsatz von Big Data und mathematischen Algorithmen zur Erstellung von Prognosen zum Kundenverhalten hat ganze Branchen grundlegend gewandelt. Die Analytics-Softwarelösungen und -Tools von FICO werden in den verschiedensten Branchen verwendet, um Risiken und Betrugsfälle zu verringern, profitablere Kundenbeziehungen aufzubauen, Abläufe zu optimieren und strenge regulatorische Vorgaben zu erfüllen. Many of our products reach industry-wide adoption. These include the FICO® Score, the standard measure of consumer credit risk in the United States. FICO-Lösungen integrieren Open-Source-Standards und Cloud Computing, um so maximale Flexibilität und schnelle Bereitstellung zu ermöglichen und Kosten zu reduzieren. Das Unternehmen hilft Millionen von Menschen dabei, ihren persönlichen Kreditstatus zu verwalten.

FICO: Make every decision count™. Learn more at www.fico.com.

FICO and "Make every decision count" are trademarks or registered trademarks of Fair Isaac Corporation in the United States and in other countries.

For FICO news and media resources, visit www.fico.com/news.

Newsroom-Kontakte

Greg Jawski
Amerika

greg.jawski@porternovelli.com
+1 212-601-8248

Darcy Sullivan
Europa, Naher Osten und Afrika

dsullivan@fico.com
+44 (0) 209-940-8719

Saxon Shirley
Asien-Pazifik

saxonshirley@fico.com
+65 6422-7795

Marisa Arribas
Lateinamerika

marisaarribas@fico.com
+1 786 482 7231

Milla Delfino
América Latina

milladelfino@fico.com
+55 11 97673-6583