On February 5, 2024, the reporter learned that China UnionPay released the "2023 Mobile Payment Security Survey Report", and in 2023, the payment security awareness and behavior of mobile payment users showed some characteristics and changes:
1. Payment security is the first demand of users, and more than seventy percent of users choose to set up payment verification. Nearly half of users who are willing to use passwordless payments prefer low passwordless limits.
Among the respondents, nearly 72% of users said that they would use passwords, SMS verification codes, and biometric methods (fingerprint, facial recognition) to improve the verification strength when making payments, so as to further ensure the security of account funds. Nearly 50% of users who are willing to use the "small amount password-free" payment method can accept a password-free payment limit of 100 yuan or less.
2. Payment apps and bank apps are frequently used payment methods by users, and bank apps are the primary choice for users to transfer large amounts.
Payment apps and banking apps are currently the mainstream mobile payment methods. In terms of usage frequency, 78% of users use the above apps more than 10 times a week. There is still a significant gap between live streaming and travel platform payments compared with the above-mentioned payment methods. In small-amount convenient consumption scenarios such as vegetable market supermarkets, public payment, and phone bill recharge, the respondents frequently use payment apps; In the case of large-value transfers, respondents are more likely to use bank apps.
3. The integrated e-commerce scenario is still the most mainstream online consumption scenario, with life service platforms such as takeaway and fresh food favored by young users, online live shopping becoming a new scenario recognized by the public, and the construction of suitable for the elderly to help mobile payment benefit more older groups.
The online payment scenario for the convenience of the people is active, and the integrated e-commerce platform is still the most mainstream online consumption scenario. Under the age of 35 and unmarried groups are the main force of consumption on life service platforms such as takeaway and fresh food. Live streaming shopping is on the rise, with 43% of respondents saying they spend regularly in this scenario. Thanks to the effectiveness of the construction of various platforms for the elderly, e-commerce platforms, online live broadcasts, catering supermarkets, vegetable market vendors, buses and subways, public payment and other scenarios have become popular mobile payment scenarios for the elderly.
Fourth, users' awareness of payment security has improved, and the payment security awareness index is higher than last year.
This year's Payment Security Awareness Index is 819 points, an increase of 2 from last yearA score of 8 reflects the increased awareness of payment security among the respondents. In addition, the payment security awareness of users who have suffered losses from wire fraud is only 64A score of 8, which is significantly lower than the overall average, which shows that improving payment security awareness can effectively avoid property damage.
Fifth, the threat of wire fraud is still severe, but the per capita loss of wire fraud has declined, false shopping, rebate fraud and other major wire fraud methods that cause user losses, **SMS and other traditional channels are still the main wire fraud information**.
There are still 874% of the surveyed users reported that they had received all kinds of fraudulent information, among which SMS, email, etc. are still the preferred channels for criminals to disseminate fraudulent information, and deepen the penetration into social and short platforms. The proportion of users who suffered property losses due to wire fraud increased from 33 last year6% down to 139%, the average loss amount decreased from 2,759 yuan last year to 2,130 yuan, indicating that anti-fraud publicity and education have gradually taken root in the hearts of the people, and users' anti-fraud and anti-fraud measures have achieved remarkable results. Fake shopping and rebates are the main methods of electronic fraud that cause user losses.
Sixth, the method of electronic fraud is highly integrated with the characteristics of the crowd, and the key groups of "one old and one young" are worthy of attention.
Criminals carry out targeted fraud according to the characteristics of different groups of people, such as the fraud of receiving game equipment for free is mainly aimed at minors; Fake shopping and rebate scams are more concentrated among college students; Fake online investment and wealth management scams are concentrated in the elderly group; Business frauds such as returns without refunds and annual inspection fraud of individual industrial and commercial households are concentrated in small and micro self-employed households; Impersonation of the public procuratorate and false credit investigation fraud are concentrated in the agriculture, forestry, animal husbandry and fishery industries.
The majority of minors who have been subjected to wire fraud are primary school students, accounting for 663%。The proportion of high school students who suffered large losses after suffering from electric fraud was higher, with the proportion of losses of more than 5,000 yuan reaching 417%。In addition, 757% of college students have received a scam message.
77.7% of older adults have received a scam message. Fraudsters carry out fraudulent shopping methods, fake online investment and financial management, and rebates for swiping orders, and the proportion of these three types of fraud among the older group is7% and 211%, which is significantly higher than other fraud methods.
7. Anti-fraud weapons are deeply rooted in the hearts of the people and effectively protect the safety of users' property. The public's awareness of consumer protection has been enhanced, and Xin** has become the most popular safety publicity channel.
The "Seven Anti-Fraud Tools" such as the National Anti-Fraud Center App and UnionPay "One-click Card Check" have a high degree of public awareness, and have become an important way to help users fight fraud and prevent fraud. The number of "anti-fraud weapons" known to users who have been injured by wire fraud is lower than the average level of the entire sample, which reflects that understanding and mastering "anti-fraud weapons" is an effective way for the public to prevent the occurrence of wire fraud cases and reduce property losses.
In this survey, more than ninety percent of mobile payment users reported that they had suffered various degrees of infringement, and users were most disgusted by the excessive collection or leakage of personal information. In terms of preference for safety propaganda, 559% of the surveyed users said that new channels such as Weibo, WeChat*** account, and live broadcast had the best anti-fraud propaganda effect; On the other hand, college students, parents of minors, and older groups prefer face-to-face publicity on campus and in the community.
Suggestions for mobile payment risk prevention.
China UnionPay experts advise consumers to strengthen prevention and response to protect their property
Develop the habit of payment security behavior, protect personal sensitive information, properly manage bank cards and accounts, and understand the "seven anti-fraud tools". Learn about common fraud schemes, such as rebate fraud, fake investment fraud, online game transaction fraud, etc. Keep in mind that pie will not fall from the sky, and raise awareness of telecom fraud prevention. In case of capital loss, you need to calm down, take measures to stop losses in time, seek help from account managers such as the opening bank as soon as possible, freeze or report the loss of the account, and call 110 or report the case to the nearby police station. Care for and remind relatives and friends at home, help the "old and young" group enhance their awareness of prevention, and enhance their anti-fraud capabilities. (Reporter Wang Dianjia).
*: CCTV news client.