06/11/2024
🕵️ 何謂新帳戶詐騙(NAF)?如何制定應對策略?
新帳戶詐騙(NAF)技術對傳統的身分驗證系統構成嚴重威脅,不僅能夠輕易獲取和偽造個人身分資訊,還能突破雙重身分驗證(2FA),開設新帳戶進行非法活動,可能為各行各業帶來經濟損失和信任危機,根據 AARP 的報告,2023 年新帳戶詐騙造成的損失超過 53 億美元,遠高於 2022 年的 39 億美元。
本文將帶你深入了解什麼是新帳戶詐騙:
- 新帳戶詐騙(NAF)簡介 : NAF 是詐騙者利用虛假身份開設新帳戶以謀取利益的手段,並隨著 ProKYC 深偽工具的出現變得更隱蔽。
- NAF 對各產業的衝擊 : NAF 的詐騙四階段,對銀行、金融、電商、電信、保險及共享經濟等產業造成重大影響。
- 如何防範 NAF 詐騙攻擊?:使用多因素驗證、AI/ML 技術、NFC 驗證、行為生物識別、數據分析及系統修補,能有效防範 NAF 攻擊並提升數位安全。
NAF 對數位化程度高的產業尤其影響嚴重:銀行與金融服務業首當其衝,詐騙者利用偽造身分申請貸款和信用卡,進行洗錢活動,對金融機構的資產和聲譽造成嚴重損害;電商與線上支付平台也面臨著不當消費和優惠活動濫用的風險,詐騙者利用虛假帳戶進行非法交易,導致經濟損失和市場混亂。
↳ Authme 提供身分驗證解決方案,為企業與用戶提供堅實的數位防護
面對日益嚴峻的新帳戶詐騙(NAF)威脅,各行業在數位安全上更需強化身分驗證。Authme 提供的一站式身分驗證解決方案,專為防禦 NAF 設計,有效降低偽造身分及非法開設帳戶的風險。我們採用 NFC 晶片驗證技術,確保證件真偽,避免偽造文件帶來的安全隱憂。Authme 的 SDK 能夠直接取得手機相機的權限,避免使用者手動上傳身分證件,簡化流程並確保資料安全。
▶︎ 閱讀完整文章:https://authme.ai/6ngy2m
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🕵️ What is New Account Fraud (NAF)? How to Prevent NAF Attacks?
New Account Fraud (NAF) is a significant threat to traditional identity verification systems. Fraudsters can easily obtain and falsify personal information, bypass two-factor authentication (2FA), and open new accounts for illegal activities. According to AARP’s report, losses from new account fraud exceeded $5.3 billion in 2023, up from $3.9 billion in 2022.
This article will guide you through Understanding New Account Fraud (NAF):
- What is NAF? : Fraudsters use fake identities to open new accounts, with ProKYC deepfake tools making it harder to detect.
- NAF’s Impact on Industries : NAF’s four-stage fraud cycle greatly affects banking, finance, e-commerce, telecom, insurance, and the sharing economy.
- Preventing NAF : Multi-factor authentication, AI/ML, NFC verification, behavioral biometrics, data analysis, and regular system updates are key defenses against NAF.
NAF leads to economic losses and trust crises, especially in highly digital industries. The banking and financial services sector is particularly vulnerable, with fraudsters applying for loans and credit cards using fake identities for money laundering. E-commerce and online payment platforms also face risks of unauthorized purchases and misuse of promotions.
↳ Authme Provides Identity Verification Solutions, Offering Robust Digital Protection for Businesses and Users
To combat the rising threat of New Account Fraud (NAF), industries must strengthen identity verification to enhance digital security. Authme offers an all-in-one identity verification solution, reducing risks of identity forgery and unauthorized accounts. Our NFC chip technology ensures document authenticity, and our SDK enables direct camera access to simplify the process and enhance data security.
▶︎ Read the full article:https://authme.ai/6ngxz6
#數位身分 #防詐 #金融科技 #身分認證