欧洲央行-2024年支付欺诈报告（英）

2024 REPORT ON PAYMENT FRAUD Page 2 of 35 Contents List of charts and tables 3 Abbreviations 4 Executive Summary 5 1.Introduction 7 2.Levels of payment fraud 10 3.Main fraud types 13 4.The role of strong customer authentication (SCA) 17 5.Losses due to fraud 25 6.The geographical dimension of fraud 27 7.A country-by-country and regional perspective on fraud 29 Annex: Reporting Methodology 33 Page 3 of 35 List of charts and tables Chart 1a: Absolute and relative levels of fraud by type of payment instrument (in values) ................ 10 Chart 1b: Absolute and relative levels of fraud by type of payment instrument (in volumes) ............ 11 Chart 2: Average value of a transaction and a fraudulent transaction by payment instrument .......... 12 Chart 3: Value shares of non-remotely versus remotely initiated payment transactions and fraud ... 13 Chart 4: Volume shares of non-remotely versus remotely initiated payment transactions and fraud 14 Chart 5: Composition of the value of fraud by main types of fraud ..................................................... 15 Chart 6: Composition of the volume of fraud by main fraud types ...................................................... 15 Chart 7: Composition of the value and volume of card fraud by initiation channel and fraud type (H1 2023)...................................................................................................................................................... 16 Chart 8: Share of SCA vs. non-SCA transactions for credit transfers, card and e-money payments (in values) ................................................................................................................................................... 17 Chart 9: Share of SCA vs. non-SCA transactions for credit transfers, card and e-money payments (in volumes) ................................................................................................................................................ 18 Chart 10: Fraud rates for SCA vs. non-SCA authenticated transactions by payment instrument and geography (in values) ............................................................................................................................ 19 Chart 11: Fraud rates for SCA vs. non-SCA authenticated transactions by payment instrument and geography (in volumes) ......................................................................................................................... 19 Chart 12: Composition of the volume of electronic credit transfers without SCA by exemption type 21 Chart 13: Fraud rates of credit transfers without SCA by exemption type (in values) ......................... 21 Chart 14: Composition of the volume of electronic card payments without SCA by reason for not applying SCA .......................................................................................................................................... 22 Chart 15: Composition of the volume of e-money transacti