2025年东盟数字欺诈报告（英）

DRAFT ASEAN Consumer Scam Report 2025: Victims Rising, Defences Under Strain The GSMA is a global organisation unifying the mobile ecosystem to discover, develop and deliver innovation foundational to positive business environments and societal change. Our vision is to unlock the full power of connectivity so that people, industry and society thrive. Representing mobile operators and organisations across the mobile ecosystem and adjacent industries, the GSMA delivers for its members across three broad pillars: Connectivity for Good, Industry Services and Solutions and Outreach. This activity includes advancing policy, tackling today’s biggest societal challenges, underpinning the technology and interoperability that make mobile work and providing the world’s largest platform to convene the mobile ecosystem at the MWC and M360 series of events. We invite you to find out more at www.gsma.com Follow the GSMA on X: @GSMA Authors Leslie Falvey & Tyson Hackwood are the Founders of Armidale and founding members of CROSEC. Together they bring board-level experience across telecoms, technology, payments and retail, with deep specialisation in fraud prevention, growth, and strategy execution. They translate research into practical playbooks that cut losses, improve recovery, and build trust. Acknowledgements We thank Julian Gorman, Head of Asia Pacific at GSMA, for his input and guidance for this report, and the GSMA APAC team for their support in outreach and platform visibility. We are also grateful to the survey partners, Milieu Insight and respondents across ASEAN, whose participation made these insights possible. Data sources: This report draws on Armidale’s 2024 and 2025 consumer fraud surveys (n≈500 per market; VN baseline added in 2025) and associated qualitative insights gathered during analysis and industry consultations. Contact the authors: contact@armidale.c GSMA ASEAN Consumer Scams Report 2025: Victims Rising, Defences Under Strain 2 Executive Summary Scams are rising across ASEAN, and they are getting closer to people’s everyday channels. The equal-weighted share of consumers who say they have ever been scammed climbed from 31% to 45%. Involvement is overwhelmingly mobile and multi-channel: victims most often cite OTT messaging, voice calls, and social platforms, with SMS and email still present. The mix differs by country (for example, social/SMS are more prominent in the Philippines; voice/OTT in Thailand, Singapore, Indonesia), which means countermeasures must be tailored to where scams actually land. The harm is real, and people are reporting it. In 2025, 68% of victims said they lost money, with 11% of people saying they lost a large sum of money, and ~76% reported the incident somewhere. Reporting is split across banks/fintechs, police, and platforms, so no single institution sees the full case, slowing recovery and weakening deterrence. Privacy concerns remain near-universal at ~97%, and demands for broad disclosures h