消费者对欺诈的态度和东南亚移动运营商的机会（英）

Consumer Attitudes Toward Fraud and Opportunities for Mobile Network Operators in SEA November 2024 Consumer Attitudes Toward Fraud and Opportunities for Mobile Network Operators in SEA In today’s rapidly evolving digital landscape, financial fraud is a major concern for consumers, financial institutions, and digital commerce providers. Southeast Asia (SEA) is a region where mobile usage, digital transactions, and fintech adoption are growing rapidly, making security and fraud prevention crucial topics of interest for both consumers and businesses. This report focuses on consumer attitudes towards fraud across five SEA markets (Thailand, Singapore, Malaysia, Indonesia, and the Philippines) and explores the opportunities for mobile network operators (MNOs) to develop and implement APIs that can assist fintech and digital commerce providers in addressing these security concerns. The study draws on data from a consumer survey on perceptions, preferences, and concerns related to key API features and use cases that have been developed to be made available with the GSMA OpenGateway project. The initial findings indicate that consumers across these markets share a growing concern about fraud, especially in financial transactions, and there are clear opportunities for MNOs to step in as key players in providing secure mobile services through API-driven solutions. 1. Consumer Attitudes Toward Fraud in Southeast Asia 1.1 Overview of Consumer Concerns Fraud, particularly in financial transactions, has emerged as one of the foremost concerns among consumers in Southeast Asia. The data indicates a clear trend of increasing anxiety about security risks, with more than half of the respondents across all markets expressing concern about the rising likelihood of fraud and hacking. These concerns are particularly pronounced in Indonesia and Malaysia, where nearly 43% and 34% of respondents, respectively, said they were “very worried” about becoming a victim of fraud. Furthermore, financial fraud, such as account hacking, SIM-swap attacks, and stolen credit card information, has been a common experience in several markets. Singapore and Malaysia report the highest levels of direct fraud experience, with over 30% of respondents having encountered financial fraud at least once. In contrast, Thailand and Indonesia report lower but still significant levels of fraud experiences, with around 20-26% of respondents indicating that they have been affected. Consumers are acutely aware that the increasing digitisation of financial services comes with greater security risks. This growing perception of vulnerability is shared across the region, with 50-57% of respondents in most markets stating that they believe account security risks are “going up,” and 14-20% of respondents noting that they believe these risks are “increasing rapidly.” 1.2 Key Fraud Concerns Consumers’ concerns about fraud in SEA tend to focus on a few key areas, such as: SIM-Swap Attacks: This t