Fifth Annual Card Issuers' Identity Safety Scorecard: Industry Makes Huge Strides in Fraud Detection

Table of Contents

• Overview
• Primary Questions
• Key Findings
• Methodology
• Executive Summary
• Consumer Willingness to Mitigate Fraud
  • Emerging Security Threats
  • Advances in Fraud Detection
• Average Issuer Scores for Major Fraud Mitigation Categories
  • Significant Improvements Shown by Issuers in Prevention and Detection in 2009
  • Recommendations
    • Prevention
    • Detection
    • Resolution
• Overall Best-in-Class Winners
  • Bank of America Earns Javelin Top Safety Scorecard Honors for Third Year in a Row
• Prevention
  • Robust Authentication Must Extend to All Channels
  • Stronger Phone Authentication Prevents “Vishing” Attacks
• Detection
  • Issuers Continue to Advance their Customer Alert Offerings
  • User-Defined Alerts for Higher-Risk Transactions are Lagging Behind
• Resolution
  • Issuers Excel in Resolution
• 2010 and Beyond: What' s Next for Card Issuers?
• Javelin' s Prevention, Detection and Resolution™ Model
• Appendix - Scorecard Data
• Related Research
• Companies Mentioned

Table of Figures:

• Figure 1: Credit Card Issuers Evaluated for Identity Fraud Safety Features
• Figure 2: Average Criteria Met By Issuers
• Figure 3: Overall Category Scores
• Figure 4: Top Eight Rankings - Overall Highest Ranking Issuers
• Figure 5: Overall Identity Fraud Scores for Issuers Ranked Ninth to Twenty-Fifth
• Figure 6: Top Six Rankings - Individual Prevention Scores
• Figure 7: Individual Prevention Scores for Card Issuers Ranked Ninth to Twenty-Fifth
• Figure 8: Percentages of Issuers Meeting Prevention Criteria
• Figure 9: Percentages of Issuers Meeting Prevention Criteria for Security Education and UDLAPs
• Figure 10: Top Five Rankings: Individual Detection Scores
• Figure 11: Individual Detection Scores for Issuers Ranked Eleventh through Twenty-Fifth
• Figure 12: Percentages of Issuers Meeting Detection Criteria
• Figure 13: Percentages of Card Issuers Offering User-Defined Transaction Alerts
• Figure 14: First Place Issuers in Resolution
• Figure 15: Individual Resolution Scores for Issuers Ranked Ten Through Twenty-Five
• Figure 16: Percentages of Card Issuers Meeting Resolution Criteria
• Figure 17: How Prevention, Detection and Resolution™ Mitigate Fraud
• Figure 18: Card Issuers' Scores Based on Customer-Facing Identity Fraud Prevention, Detection and Resolution™ Features and Services
• Figure 19: Card Issuers' Prevention Features and Services
• Figure 20: Card Issuers' Prevention Features and Services:
• Figure 21: Card Issuers' Detection Features and Services: User-defined Transaction Alerts
• Figure 22: Card Issuers' Detection Features and Services
• Figure 23: Card Issuers' Resolution Features and Services