Abstract
Overview
Javelin' s 2008 Banking Identity Safety Scorecard ranks banks and credit unions
on their customer-facing identity fraud Prevention, Detection and
Resolution™ capabilities. Leveraging the nation' s most comprehensive
study on identity fraud, Javelin updates the Prevention, Detection and
Resolution™ criteria each year to show specific ways that individual
financial institutions (FIs) can increase customer safety and loyalty by
partnering with account holders to fight identity fraud criminals. Using a
combination of mystery-shopper (averaging 5.8 calls per institution) and Web
site research to score 25 leading U.S. providers against relevant Prevention,
Detection, and Resolution™ criteria, collectively this study represents
50% of the U.S. market in 2008 by dollar value of deposits, according to the
FDIC.
Primary Questions
- How can banks and credit unions benchmark their efforts in the battle
against a $45B U.S. identity fraud problem?
- Which financial institutions rank highest against Javelin' s
customer-facing Prevention, Detection and Resolution™ criteria?
- What type of account protection capabilities should banks and credit
unions implement now to increase customer safety through Prevention, Detection
and Resolution™?
- Within the U.S. banking industry, where is banking safety strongest and
where is it most vulnerable?
- Which customer safety features will most differentiate financial
institutions in the future?
Methodology
Using a combination of mystery-shopper and Web site research to score leading
U.S. providers against relevant Prevention, Detection, and Resolution™
criteria, 25 institutions are included in this study, collectively
representing approximately 50% of the U.S. consumer DDA market by deposits.
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