The rate of bank card fraud, which had decreased significantly thanks to new security measures, stabilized in 2023, with 53 payments subject to fraud for every 100,000 payments made by card, the Banque de France said on Tuesday. As more and more payments are made on the Internet, which is particularly exposed to scams, the total amount of these frauds increased sharply last year (+7% compared to 2022), reaching almost 500 million euros.
The card fraud rate had fallen after 2021 and the introduction of new security protocols that often require consumers to approve their payments on their phone. Card payments on a French site that use this type of security are thus proportionally three times less subject to fraud than those made without, details the Observatory for the Security of Payment Methods (OSMP) of the Banque de France, the source of this data.
Which now forces fraudsters to look for “to manipulate their victims in order to get them to carry out the operations themselves or to validate them, without their knowledge”in particular by “identity theft techniques”explained Denis Beau, president of the OSMP, during a conference in July. Checks, today marginal in the amount of non-cash transactions (1.4%), still represent almost a third of the amounts of payment fraud in France.
Check fraud also persists
Check fraud is mainly carried out through the use of lost or stolen checkbooks, particularly in postal sorting centres, explains the OSMP. The latter has renewed its recommendation to banks not to charge for opposition in the event of checkbook theft, nor to request the sending of a registered letter, which is sometimes still the case.
The value of wire transfer fraud is generally stable in 2023. Companies and administrations, increasingly aware of the risks of identity theft, have divided their rate of fraud during computer transfers by three since 2021.
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