2007 Banking Identity Safety Scorecard: The Wave of the Future is Multi-Channel Security

Table of Contents

• Overview
• Primary Questions
• Key Findings
• Executive Summary
• Top Rankings for 2007 Banking Safety Scorecard Show Marked Improvement
• Recommendations
  • Prevention
  • Detection
  • Resolution
• Prevention, Detection and Resolution™ Model Provides a Framework for Empowering Consumers
  • Prevention
    • Multi-factor authentication in all channels
    • User-defined Limits and Prohibitions
    • Social Security Number prohibition and security education
  • Detection
    • Credit monitoring services
    • One-way and two-way alerts
  • Resolution
    • Next-day availability of funds
    • Next-day replacement of debit cards
    • Data breach resolution plans
• 2008 and Beyond: What' s on the Horizon
• Methodology
  • Comparing the 2007 Scorecard and previous methodologies
• Related Research
• Appendices: Full Rankings for Institutions Reviewed

Table of Figures

• Figure 1 Year-to-Year Scores for Prevention, Detection and Resolution™, 2005-2007
• Figure 2: 2007 Overall Highest Rated Financial Institutions
• Figure 3 Overall Highest Rankings 8 to 10
• Figure 4 Prevention, Detection and Resolution™ Framework
• Figure 5 Prevention: Top Performers
• Figure 6 Prevention Rankings 8 to 25
• Figure 7 Percentage of Financial Institutions Meeting Prevention Criteria
• Figure 8 Detection: Top Performers
• Figure 9 Detection rankings 8 to 24
• Figure 10 Percentage of Financial Institutions Meeting Detection Criteria
• Figure 11 Detection Features Offered by FIs Reviewed
• Figure 12 Resolution: Top Performers
• Figure 13 Resolution Rankings 9 to 24
• Figure 14 Percentage of Financial Institutions Meeting Resolution Criteria
• Figure 15 All Financial Institutions: Total Score
• Figure 16 All Financial Institutions: Prevention Score
• Figure 17 All Financial Institutions: Detection Score
• Figure 18 All Financial Institutions: Resolution Score