Experian-2019年亚太地区身份和欺诈报告（英文）

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1、IntroductionExperianconductedresearchamongmorethan10,000consumersand1,000businessesacross21countries,globally.Thefindingswerepublishedinthe2019GlobalIdentity&FraudReportearlierintheyear.GiventhattheAsia-Pacificrepresentssuchadiversesetofmarkets,wehaveconductedaseparateanalysisanddedicatedareportto

2、theregion.Asia-Pacificisauniqueplaceintheglobalfinancial,consumeranddigitaltechnologylandscape.Withinthisvastregion,isawiderangeofmarketsthatvaryinsizeandeconomicmaturity.Ithaslittleinthewayoflegacythatholdsitbackfromfullyembracingavailabletechnologiestocreatemoremeaningfulrelationshipsbetweencons

3、umersandbusinessesonline.AdoptionfordigitalbankingandcommerceishighestintheworldamongsomecountriesinAsia-Pacificandgrowingrapidlyinothers.Nearly90percentofconsumerssurveyedwhohaveaccesstoaninternet-enableddevicereportedpersonalbankingasoneoftheirtoponlineactivities.Thisisonlysurpassedbyonlineshopp

4、ingforgoodsandservices,anactivitythatconsumersinemerginganddevelopedcountriesalikerankastheirnumberoneactivityonline.Forthemostpart,businessesaredoingagoodjobofdeliveringtheirproductsandservicesviathedigitalchannelbutnowisthetimetolookathowbusinessesandconsumerstrusttheonlinechannelsandhowcantheyc

5、reategreatervalue.Buildingtrustbetweenconsumersandbusinessesonlineisdifficult.Unlikein-personoroverthephoneinteractions,digitalinteractionslackvisualandaudiblecuesthatinstiltrust.Customersliketoberecognisedandexpecttobemetwithapersonalisedexperienceateveryinteraction.Thetoptwoonlineactivitiesforco

6、nsumersintheAsia-Pacificregionareshoppingfollowedbybankingandtheyexpectbothindustriestodeliverrelevant,convenientandsafeexperiences.Yetbusinessesstruggletodeliveronthoseexpectationsbecausetheydonotrecognisetheircustomers.Whentheinformationtheyholdisnotaptlyutilisedtoidentifythecustomer–eithertopr

7、otectthemorcreatepersonalisedoffers–thiscancreatedistrust.Furthermore,distrustbetweenconsumersandbusinessescanleadtoincreasedcustomerabandonmentpertransaction,orworse,adamagingbrandreputation.Eighty-ninepercentof