Online purchase scams as share of total scams worldwide 2015-2023

The COVID-19 outbreak saw a surge in e-commerce, but it also exposed a darker side. In 2020, over 38 percent of all scams worldwide were attributed to online purchases. However, as the pandemic waned, incidents of online shopping scams decreased, accounting for three in ten e-commerce transactions between January and June 2022. In 2023, the figure increased again to 41.9 percent.Rising costs and prevention effortsAs online fraud continues to escalate, so do the financial losses and prevention efforts. E-commerce losses to online payment fraud were estimated at 41 billion U.S. dollars globally in 2022, with projections reaching 48 billion U.S. dollars by 2023. In response, the e-commerce fraud detection and prevention market is expected to grow significantly, potentially surpassing 100 billion U.S. dollars by 2027. [1273177, 1273278]AI in fraud managementMerchants are adapting their strategies to combat the rising tide of online fraud. In 2024, 45 percent of e-merchants prioritized preventing fraud and chargebacks in their fraud management strategy, up from 40 percent in 2021. Additionally, approximately two-thirds of online merchants reported using or planning to use generative AI in e-commerce fraud management within the next 12 months to safeguard online transactions.

COVID-19疫情的爆发催生了电子商务的迅猛增长，然而，这也揭露了其阴暗面。2020年，全球范围内高达38%的诈骗案件归因于在线购物。然而，随着疫情的逐渐消退，网络购物诈骗事件有所减少，在2022年1月至6月间，这类事件占到了电子商务交易总量的十分之三。到了2023年，这一比例再次上升至41.9%。随着网络欺诈的持续加剧，财务损失和预防措施也在增加。2022年，全球因在线支付欺诈导致的电子商务损失估计达到410亿美元，预计到2023年将达到480亿美元。对此，电子商务欺诈检测与预防市场的增长预期将显著提升，预计到2027年可能超过1000亿美元。在欺诈管理方面，人工智能的应用日益凸显。商家正在调整其策略以应对日益严重的网络欺诈问题。到2024年，45%的电子商家在其欺诈管理策略中将预防欺诈和欺诈退款放在首位，这一比例相较于2021年的40%有所上升。此外，大约三分之二的在线商家表示，他们正在使用或计划在未来12个月内使用生成式AI来管理电子商务欺诈，以保障在线交易的安全。