2008 Identity Fraud Forecast

OVERVIEW
Right on the heels of the recently released 2008 Identifty Fraud Survey Report, the 2008 Javelin Identity Fraud Forecast predicts how identity fraud trends will change over the next five years, projecting overall measures of impact, fraud types, and targeted channels of misuse through 2013. Leveraging longitudinal consumer data, based on a combined total of over 19,000 respondents surveyed over the past four years, the forecast builds upon the nation's most comprehensive, nationally representative study of identity fraud.

Primary Questions
• How many consumers will become victims of identity fraud through 2013, and how will incidence rates change over the next five years?
•How will fraud average amounts, consumer costs, and resolution hours vary from 2008 to 2013?
• What channels will be increasingly targeted by fraudsters, and how must financial institutions plan defenses accordingly?
• What future trends can be expected for existing card fraud, specifically credit and debit?
• Which consumer attitudes most significantly affect online payment choice?npcomments-->

Audience
Financial institutions, identity fraud protection vendors, consumer advocacy organizations, government agencies

contactless strategy and forecast

OVERVIEW Credit card networks and issuers continue to push for the evolution to contactless as the de facto technology for physical world card transactons, with the eventual goal of convergence with mobile payments. The value proposition has yet to be made with two primary constituents--merchants and wireless carriers--who will need to make sizeable efforts and investments to bring contactless mobile payments to fruition. This Javelin research report provides an adoption forecast for contactless through 2013, analyzes consumer data and qualitative information gathered through interviews with industry participants, provides hyphotheses on what will drive merchant adoption and carrier interest, and recommends specific action for card networks and issuers.

Primary Questions
• What is the contactless value proposition for different constituents?
•What will drive merchant and wireless carrier interest in contactless?
• Which alternatives to NFC for mobile payments must card networks and issuers concern themselves with most readily?
• What will consumer adoption of contactless be through 2013?


Audience: Card networks, card issuers, financial institutions, merchants, payments industry infrastructure providers, alternative payment solutions, contactless technology vendors

2008 Card issuers' Identity safety scorecard

OVERVIEW
The Javelin Card Issuers' Identity Safety Scorecard benchmarks 25 of the nation's top credit card issuers on their identity fraud protection features that involve customers. Each year, Javelin incorporates the laatest results of i annual surveys on identity fraud and consumer preferences, so that the Preference, Detection, and Resolution criteria reflect card features that address the most recent trends on how to most effectively battle identity fraud in the card portfolio. The objective of the scorecard is to assess how well issuers are doing the following: 1) addressing consumer perceptions and knowledge of identity fraud through effective education and outreach; 2) creating strong partnerships with customers to mitigate fraud and reduce losses; and 3) providing flexible and comprehensive fraud prevention and detection features to their customers.

Primary Questions
• Which card issuers are security leaders in consumer-facing identity fraud Prevention, Detection, and Resolution capabilities?
• Which customer-facing card features should issuers have in place to combat the latest indentity fraud threats?
•How can issuers increase fraud protection for their customers, improve fraud loss percentages, and strengthen customer loyalty?
•What security services and features are the trends of the future?

Audience: Credit card issuers, payment networks, security technology vendors