Mobile E-Commerce: Friend or Foe? A Cyber Security Study
|
|
- Tamsin Joseph
- 8 years ago
- Views:
Transcription
1 Research February 2015 Mobile E-Commerce: Friend or Foe? A A J.Gold Associates Research Report Many consumers now interact with the Internet primarily through mobile devices, avoiding traditional PC devices and browsers as not fitting into their always connected, on-the- move lifestyles. For organizations with an on-line presence, this shift has a profound impact, including an impact on website security, loss prevention and fraud. Assessing the impact of this shift on an organization s cyber security is the focus of this research study. Research Sponsored By
2 Contents Executive Summary... 3 Mobile Revenues... 3 The Friend:... 3 The Foe:... 3 Protecting Against Fraud... 3 Averaging the Mobile Losses... 4 Average revenue, mobile revenue, losses, and growth rate indicated by respondents... 4 Are You Investing Enough? Probably Not!... 4 The Study Results... 5 Revenue Channels... 5 Figure 1: Percentage of revenues from Internet channels... 6 Figure 2: Percentage of revenue from a Mobile App... 7 Analysis:... 7 Figure 3: Expected growth of Mobile App revenue in next 5 years... 8 Analysis:... 8 Revenue Loss Due to Fraud... 8 Figure 4: What percentage of revenues were lost to Internet and/or Mobile fraud in past 12 months... 9 Measuring Attitudes and Expectations Figure 5: Internet and Mobile fraud represent a significant risk Analysis: Counting Fraud Incidents Figure 6: How many Internet Fraud incidents in past 12 months Figure 7: What percentage of fraud incidents were Mobile Analysis How Big are the Risks Figure 8: How big a risk is Average of Responses redistribute without the permission of J.Gold Associates, LLC.
3 Analysis Login Requirements for Mobile Users Figure 9: What type of Mobile login credentials Currently required Figure 10: What type of Mobile login credentials required In Future Verifying user account changes Figure 11: Security measures used to verify Internet account changes Figure 12: Security measures used to verify Mobile account changes Use of Advanced Analytical Tools Figure 13: Using Advanced Analytical tools to detect fraud Mobile E-Commerce: Friend or Foe Figure 14: Revenues by Company Size Figure 15: Lost Revenues due to Internet Fraud in past 12 months, by Company Size (Average Percentage) Figure 16: Lost revenues as percentage of total in past 12 months due to Mobile Fraud, by Company size (Average Percentage) Analysis Conclusions redistribute without the permission of J.Gold Associates, LLC.
4 Executive Summary Mobile E-Commerce: Friend or Foe? That s the question many organizations need to ask themselves as they attempt to take advantage of the dramatic growth in users with mobile devices. Indeed, many consumers now interact with the Internet primarily through mobile devices, avoiding traditional PC devices and browsers as not fitting into their always connected, on-the-move lifestyles. For organizations with an on-line presence, this shift has a profound impact, including an impact on website security, loss prevention and fraud. Assessing the impact of this shift on an organization s cyber security is the focus of this research study. We conducted a web-based based survey of 250 organizations to find out whether Mobile E-commerce is a friend or a foe. Mobile Revenues The Friend: The average revenue of the organizations responding was $2.54B. Fully one third of organizations indicated they generated erated revenues from the Internet in the 26%-50% range. Further, 25% indicated that 11%-25% of that revenue came from a mobile app. These figures indicate the importance of Internet and Mobile revenue generation. Further, more than 50% of organizations believe that mobile revenues will grow 11%-50% over the next 3 years, and 30% believe it will grow 51%-100%.This 100%.This expected growth in mobile app revenues reflects both the market reality of more mobile users, as well as the realization that to remain competitive, e, companies must offer mobile apps on smartphones and tablets despite a significant security risk in potential fraud. The Foe: But there is also a dark side to this reliance on mobile revenues. Only 8% of companies indicated that they had no losses due to fraudulent activity in the past 12 months. And 34% indicated they had lost as much as 5% of revenues, 14% indicated they lost as much as 10% of revenues, and 15% indicated they lost as much as 25% of revenues. This is a staggering level of fraud induced losses. It also indicates that a very serious problem exists, one which is not being adequately addressed by current systems and processes. Protecting Against Fraud Mobile E-Commerce: Friend or Foe? TREND: In the next 2-3 years, we expect e- commerce interactions attributable to mobile devices and mobile apps to surpass those from standard browsers. As a result, companies not properly securing their mobile transactions face a significant risk of fraud incidents overwhelming their businesses J.Gold Associates LLC. About 2/3 of respondents believe that they can quickly detect and remediate Internet and Mobile fraud on their sites. Yet a large number of fraud incidents causing significant revenue losses are occurring. It seems clear that while many companies believe they are adequately protected, their level of security is lacking. We expect the growth of mobile interactions to significantly increase the percentage of mobile incidents, with 19% of companies already indicating that 25%-49% of their fraud incidents are due to mobile. We expect these rates to at least double over the next 2-3 years as mobile revenue contributions increase, unless significant remedial actions are implemented quickly. 3
5 Averaging the Mobile Losses Mobile E-Commerce: Friend or Foe? The average mobile loss across all the organizations responding was $92.3M per year. On average, organizations indicated that losses of approximately 3% of total revenues occur each year due to mobile fraud. Further they expect an average 47% growth of mobile transactions over the next five years (which we believe to be too conservative). Assuming loss ratios remain the same, the losses attributable to mobile will also increase by at least 47% over the same time period. Average revenue, mobile revenue, losses, and growth rate indicated by respondents Average Total Revenue $2.54B 4.53% Average % of Total Revenue Due to Mobile Average % of Total Rev Lost Due to Mobile 3.04% $92.3M Average $ Loss per year due to Mobile Average 5 Year Mobile Growth Rate 47% The total losses present a large amount of potential revenue if fraud were eliminated. It indicates that although many companies believe they are spending sufficiently on security, given the losses they are reporting, it s clear that most aren t. Companies must increase the level of expenditure on remediation of these losses. Investing an amount equal to as little as 10%-20% of the yearly losses in enhanced security systems would provide a significant boost to an organization s ability to limit or eliminate the losses resulting from fraud. Are You Investing Enough? Probably Not! All organizations with a mobile presence are experiencing loss due to inadequate security. It is imperative that organizations of Conclusion: Companies all sizes invest in technology solutions that limit and/or eliminate not making the required Mobile induced fraud if the company is to thrive in an investment now in enhanced mobile increasingly competitive marketplace. Mobile security has a security will have huge potential payback, likely returning times or more of sharply reduced revenue, the investment. Clearly security is a long term challenge that as well as much higher needs continuous intervention. But it must be on every costs of operations, and organization s high priority list for the next 1-2 years as the need a dissatisfied customer to get a handle on this challenge will only grow in the future with base that may be increased reliance on mobile commerce. Waiting until the exposed to fraudulent problem is aggravated by increased numbers of users and activities which will higher losses are not in the best interest of the organization and drive them to other more will make remediation even more difficult. Companies not secure sites. making the required investment now in enhanced mobile security will have sharply reduced revenue, as well as much higher costs of operations, and a dissatisfied customer base that may be exposed to fraudulent activities which will drive them to other more secure sites. 4
6 The Study Results Mobile E-Commerce: Friend or Foe? That s the question many on-line organizations need to ask themselves as they attempt to take advantage of the dramatic growth in users with mobile devices. Indeed, many consumers now interact with the Internet primarily through mobile devices, avoiding traditional PC devices and browsers as not fitting into their always connected, on-the-move lifestyles. For organizations with an on-line presence, this shift has a profound impact, including an impact on website security, loss prevention and fraud. Assessing the impact of this shift on an organization s cyber security is the focus of this research study. To discover the impact of mobile commerce we created a survey that was completed by 250 organizations in North America. The average organizational revenue of the respondents was $2.54B. The survey was intended to study attitudes and the economic impact of fraud on web-based based Internet and mobile applications for companies engaged in interactions with consumers and business customers through PC and/or mobile application based E- commerce. The questions focused on obtaining the companies views on threats, recent breaches, economic impacts, and solutions to securing web and mobile based customer interactions. For this study, users were considered mobile if they interacted with web sites through either a smartphone or tablet device. For each section below, we ll define what questions we asked, and then furnish an analysis of the results obtained. Revenue Channels Mobile E-Commerce: Friend or Foe? We asked the respondents to identify the amount of revenues generated from various Internet channels (e.g., PC browser, mobile) and also to estimate the amount of revenues expected to be generated in the future. The intent was to discover the amount of revenues coming from the Mobile channel, and then be able to identify the risks associated with that revenue stream. 5
7 Figure 1: Percentage of revenues from Internet channels Percent of Revenues from Internet Don t know 0.8% 76%-100% 4.8% 51%-75% 24.4% 26%-50% 33.2% 11%-25% 27.2% 1%-10% 9.2% 0% 0.4% 6
8 Figure 2: Percentage of revenue from a Mobile App What Percentage of Revenue comes from Mobile App We don t have a mobile app 4.4% Don t know 1.6% 76%-100% 4.8% 51%-75% 26%-50% 11%-25% 22.8% 23.6% 24.4% 0%-10% 18.4% Analysis: Fully one third of those responding indicated their organization generated Internet revenues in the 26%-50% range. Further, 25% indicated that 11%-25% of that revenue came from a mobile app. These figures are higher than we expected, but clearly it indicates the importance of Internet and Mobile revenue generation which constitutes a major revenue stream. At such a high percentage, companies must find ways to protect those revenues from fraud. And we expect these revenues to continue to grow making it even more imperative to secure these transactions. 7
9 Figure 3: Expected growth of Mobile App revenue in next 5 years How much do you expect Mobile App Revenue to grow over next 5 years Don t know Greater than 200% 151%-200% 101%-150% 2.4% 1.6% 0.8% 4.0% 76%-100% 11.2% 51%-75% 17.2% 26%-50% 30.4% 11%-25% 21.2% 6%-10% 9.6% 0%-5% 1.6% Analysis: More than 50% of respondents believe that mobile revenues will grow 11%-50% over the next 3 years, and 30% believe it will grow 51%-100%. 100%.This expected significant growth in mobile app revenues reflects market reality of more mobile users, as well as the realization that to remain competitive, companies must continue to invest in their mobile capabilities. However, this represents a significant security risk in potential fraud, as we shall see. More than 50% of respondents believe mobile revenues will grow 11%-50% over next 3 years, 30% believe it will grow 51%-100%. Revenue Loss Due to Fraud Most companies expect mobile interactions to increase dramatically and generate significant revenues. However, there is also a significant potential for increased fraudulent activity from mobile devices, as they may be harder to protect and secure than traditional PC devices. 8
10 Figure 4: What percentage of revenues were lost to Internet and/or Mobile fraud in past 12 months Revenue lost due to Internet and Mobile Fraud in past 12 months Don t know 2.8% 66%-100% 51%-65% 0.0% 0.0% 36%-50% 11.6% 26%-35% 11%-25% 6%-10% 14.4% 13.6% 15.2% 1%-5% 34.0% 0% 8.4% Analysis: Only 8% of companies indicated that they had no fraudulent activity associated losses over the past 12 months. And There is a staggering 34% indicated they had lost as much as 5% of revenues, 14% level of fraudulent activity losses. It indicated they lost as much as 10% of revenues, and 15% indicated indicates a very serious they lost as much as 25% of revenues. Many respondents indicated problem exists that is not even greater losses, although the higher amounts may be being adequately overestimations. Nevertheless, this is a staggering level of addressed by today s fraudulent activity losses and explains why many organizations have systems and processes. been cautious about moving to a greater presence in E-commerce. It also indicates that a very serious problem exists that is not being adequately addressed by today s systems and processes. Improvements in loss prevention must be implemented quickly to stem these losses. 9
11 Measuring Attitudes and Expectations Mobile E-Commerce: Friend or Foe? We asked a series of questions to gauge the attitudes and expectations on threats that are posed to their organizations. We asked them to answer on a scale of 1 to 5, with 1 being strongly disagree and 5 being strongly agree, how they feel about the following statements. Figure 5 shows the average level of agreement and priorities for each statement. Figure 5: Internet and Mobile fraud represent a significant risk Severity of Fraud - Average of responses 1=Strongly Disagree, 5=Strongly Agree Fraud on our web site is quickly detected and remediated Have sufficient systems/processes for fraud detection on mobile platform Fraud on our Mobile App is quickly detected and remediated Company security budget is sufficient for minimizing Internet/Mobile fraud We are able to eliminate Internet and/or Mobile fraud Internet and Mobile fraud represent a significant risk The frequency and severity of fraud is on the rise We have not seen any Mobile App fraud on on E-commerce offering We have not seen any Fraud on our Internet E-Commerce offerings Analysis: While most respondents say they have experienced significant losses from fraud, the majority also claim they have About 2/3 of sufficient systems and processes in place to minimize such respondents believe that fraud. This seems to be a clear disconnect between reality and they can quickly detect perception. Further, while most believe the incidents of fraud are and remediate Internet on the rise, they likewise believe they have significant budgets and Mobile fraud on and systems in place to deal with them. About 2/3 of their sites. Yet a large respondents believe that they can quickly detect and remediate number of fraud Internet and Mobile fraud on their sites. Yet a large number of incidents causing significant revenue fraud incidents causing significant revenue losses are losses are nevertheless nevertheless occurring. On average, organizations indicated occurring. they lost $92M per year in mobile fraud related incidents. It seems clear that while many of the respondents believe they are adequately protected, the level of security for both Internet and Mobile app interactions is lacking. The level of fraud and the average losses per organization indicate that few organizations have invested enough to keep their losses to an acceptable level. What is needed is a realistic assessment of the level of fraud losses which must drive the level of investment made in security systems to remediate those losses. For most companies it is 10
12 imperative that the level of investment in security systems and processes be increased significantly. Counting Fraud Incidents We asked how many fraud incidents they have had in the past year and how many were as a result of using a Mobile app accessing their E-commerce sites. Figure 6: How many Internet Fraud incidents in past 12 months How many Internet Fraud incidents in past 12 months Don't Know 10, Total 11% 30% 16% % 7% 7% 6% 5% 4% 1% 10,000 + Don't Know 0% 0% 11
13 Figure 7: What percentage of fraud incidents were Mobile Percentage of Fraud Incidents Due to Mobile 75%-100% 2% 50%-74% 7% 25%-49% 19% 10%-24% 29% 1-9% 28% 0% 14% Analysis: 48% of respondents indicated they experienced between 1-24 overall fraud incidents in the past year, while 25% indicated 48% indicated they they experienced between incidents. The small number of experienced between 1- incidents reported either indicates organizations that have a small 24 fraud incidents in the scale presence on the web, or more likely ones that are somewhat past year, while 25% indicated between 25- oblivious to what is actually happening. Interestingly 28% of 250 incidents. 19% of respondents indicated that 1%-9% of the total fraud incidents were companies indicated mobile based, while 29% indicated that mobile caused 10%-24% of that 25%-49% of their fraud incidents. We expect the growth of mobile interactions to fraud incidents are due significantly increase the percentage of incidents caused by the to the mobile channel. mobile channels, with 19% of companies already indicating that Clearly mobile is a 25%-49% of their fraud incidents are due to the mobile channel. growing risk that s not Even if the number of incidents is underreported, the amount of being adequately loss as we shall see is quite high. Much more work needs to take addressed place in securing mobile interactions and mobile applications before organizations can feel confident that mobile fraud is being controlled, or will not spin out of control with the expected growth in interactions. Clearly mobile is a growing risk that s not being adequately addressed. 12
14 How Big are the Risks We asked about the risk that various technologies and processes pose by having respondents indicate on a scale of 1-5, with 1 being strongly disagree and 5 being strongly agree, what they thought of a particular risk. Figure 8 indicates the average score for each risk, and reflects what users thought were the most serious threats. Malware, as is to be expected, ranked quite high on the overall list. But increasingly, App Store Fraud (i.e., unauthorized or illegitimate app stores) and Fake Mobile Apps (i.e., apps masquerading as something else or embedded with malware), are increasingly being recognized. Figure 8: How big a risk is Average of Responses How Big a Risk is: (Average of Responses) Mobile E-Commerce: Friend or Foe? PC/Web Browser Malware Mobile Device Malware E-Wallet Fraud App Store Fraud Fake Mobile Apps Account Takeover Password Guessing Analysis: There was a fairly even distribution of what the respondents thought were risk factors, with no one risk vector being dramatically more than the others. However, PC/Web Browser Malware, followed by Mobile Device Malware are the most visible and likely easiest to identify. This is likely a legacy of past experiences with PC-based systems, extended into the mobile realm. Yet these are very real risks, and it would make sense to exert reasonable efforts in protecting against these two security threats through updated practices and technology solutions (e.g., two factor authentication, malware protection, encrypted storage, secured vaults ). There is also a realization that mobile apps, via a fake app store or via malicious code embedded in an app, represent a growing risk that t must be dealt with. 13
15 Login Requirements for Mobile Users Mobile E-Commerce: Friend or Foe? Login methods for mobile users are migrating from traditional user name and password to more advanced biometrics and multi-factor authentication. This will be enabled by more devices enhanced with advanced technology as well as a proliferation of easier to use systems allowing more secure ID methods. We expect the majority of the transition to be completed in the next 3-4 years, with some aggressive organizations deploying systems in the next 1-2 years. We also expect the mobile channel to lead in this transition. What s shocking is the percentage of companies that fail to enforce basic credentials we have all grown accustomed to (e.g., 23% don t require user name and password to log in). Figure 9: What type of Mobile login credentials Currently required What type of log in authentication required from Mobile users Currently? Yes No We expect a major transition in mobile authentication to take place over the next 3-4 years, with aggressive organizations doing so in 1-2 years. User name and password 76.8% 23.2% Device ID Challenge based questions IP Recorgnition Phone based authentication (SMS & voice) Soft tokens Biometrics Not applicable None of above 3.2% 1.6% 51.6% 44.0% 40.8% 28.0% 19.6% 17.2% 48.4% 56.0% 59.2% 72.0% 80.4% 82.8% 96.8% 98.4% Don't know 0.4% 99.6% 14
16 Figure 10: What type of Mobile login credentials required In Future What type of log in authentication required from Mobile users in the Future? Yes No Biometrics Phone based authentication (SMS and Voice) Soft Tokens IP Recognition Challenge based questions Device ID User name and password Don't know Not applicable None of above 47.2% 38.4% 32.0% 30.4% 26.4% 25.6% 9.6% 5.6% 4.0% 2.4% 52.8% 61.6% 68.0% 69.6% 73.6% 74.4% 90.4% 94.4% 96.0% 97.6% Analysis: : There will be a significant shift in required Mobile login credentials taking place over the next 2-3 years as the primary focus shifts from user name and password to more advanced mechanisms like biometric, phone based authentication and soft tokens for two factor authentication. This upgrading of login techniques will improve the security of transactions by more positively determining who and what device is being used, and should significantly reduce the threat levels and consequent fraud on mobile transactions. There will be a significant shift in required Mobile login credentials over the next 2-3 years as focus shifts from name and password to advanced mechanisms like biometric, phone based authentication and soft tokens for two factor authentication. 15
17 Verifying user account changes We asked which types of verification techniques are employed to confirm that account changes are being made by the designated account owner, both for Internet connections and Mobile connections. Figure 11: Security measures used to verify Internet account changes Security measures used to verify account changes for Internet users Yes No Mobile E-Commerce: Friend or Foe? Challenge based questions 74.4% 25.6% verification 63.2% 36.8% Phone based authentication 36.8% 63.2% Nothing beyond user name and password 5.2% 94.8% Don't know 2.0% 98.0% 16
18 Figure 12: Security measures used to verify Mobile account changes Security measures used to verify account changes for Mobile users Yes No verification 54.4% 45.6% Phone based authentication 46.4% 53.6% Challenge based questions 44.8% 55.2% Nothing beyond user name and password 11.6% 88.4% Don't know 3.6% 96.4% Analysis: : The disparity between primary methods for Internet users (challenge based questions) versus Mobile used ( verification) is primarily one of perception, assuming that mobile devices are harder r to use for data entry and will therefore being more difficult to require challenge-based question inputs. This is generally no longer the case with larger and higher definition screens, and better, faster connections. We expect to see higher levels of authentication required in the near future for mobile users, a least on a par with those of Internet users who are accustomed to multi-factor authentications and multi-step logins/confirmations. It s no longer the case that mobile logins present more of a challenge than on Internet browsers. The result is higher levels of authentication for mobile users. Use of Advanced Analytical Tools We asked if they used any advanced analytics tools such as behavior tracking and analysis, to implement a more secure interaction by detecting likely fraudulent activity. 17
19 Figure 13: Using Advanced Analytical tools to detect fraud Use of Advanced Analytical Tools to detect Web and Mobile Fraud Yes No Don't know Future 73.6% 19.2% 7.2% Currently 56.8% 39.6% 3.6% Analysis: The use of advanced analytical tools will increase by approximately 50% in the next few years as companies search for We expect an increase of compelling ways to fight the increasing level of fraud. Our at least 50% in use of respondents indicated that the use of advanced analytics tools to analytical prediction tools over the next 2-3 track behavior and mitigate fraud will grow by nearly 50%. This is years for Internet and a direct result of the maturity of these tools and the ability to make Mobile fraud detection. use of them with less required resources, including through cloud based service offerings, as well as the reduced cost of employing the technology. We expect that this trend will continue to gain momentum over the next 2-3 years. Mobile E-Commerce: Friend or Foe Mobile interactions have both a positive and negative effect. On the positive side they allow users to access websites more often when they are truly mobile. Indeed, most of the respondents indicated a significant expected increase in revenues by allowing mobile interactions with their sales or service on-line presence. But mobile also has a negative effect. Most respondents expect mobile to represent a significant portion of fraudulent interactions and provide significant loss of revenue. 18
20 Below is an evaluation of the potential losses from Internet and Mobile Fraud. Figure 14 shows the average revenues generated by organizations ations of various sizes, based on the survey data provided by the respondents, indicating Internet revenues were 26%-50% of total revenue. The company sizes were Very Small ($100M), Small ($100M-$500M), Medium ($500M-$1B) $1B) and Large ($1B+). Figure 14: Revenues by Company Size Total Revenues Internet Revenues Very Small <$100M $26M-$50M Small Medium Large $100M-$499M $500M-$999M $1B-$20B+ $26M-$250M $125M-$500M $250M-$10B Figure 14 is a compilation of the average amount of loss in the past 12 months due to Internet fraud based on the responses obtained from various size companies. Figure 15: Lost Revenues due to Internet Fraud in past 12 months, by Company Size (Average Percentage) Very Small Small Medium Large % 6%-10% 6%-10% 11%-20% 6%-10% $ $1.5M-$5M $1.5M-$25M $13M-$100M $150M-$1B Figure 15 represents losses incurred within the past 12 months that organizations indicated were due to Mobile fraud (as part of overall Internet related fraudulent losses). Figure 16: Lost revenues as percentage of total in past 12 months due to Mobile Fraud, by Company size (Average Percentage) Very Small Small Medium Large % 1%-9% 10%-24% 10%-24% 10%-24% $ $150K-$450K $150K-$6M $1.3M-$24M $15M-$240M$240M Analysis: : The above figures show the average amount of revenue organizations indicated they lost due to Internet and Mobile channel fraud over the past 12 months. It s apparent that taking additional steps to reduce the amount of fraud in the on-line channel has a potentially huge payback, particularly for larger organizations that obtain significant revenues from e- 19
21 commerce and mobile app solutions. Losses of $15M - $240M in fraudulent interactions are compelling reasons to invest in Taking additional steps better fraud reduction systems. Further, it s important to to reduce the amount of understand that the losses above are within a 12 month period fraud on-line has a potentially huge and therefore available to recover annually. This makes it even payback, particularly for more imperative that companies invest in better security for larger organizations their mobile applications and transactions. We also expect the that obtain significant amount of Internet revenues generated, and hence the amount revenues from e- of Fraudulent losses, to increase over the next 2-3 years. It is commerce and mobile therefore imperative that organizations of all sizes invest in app solutions. reducing and as much as possible in eliminating all Internet and Mobile induced fraud if the company is to thrive in an increasingly competitive marketplace. Conclusions As can be seen from the results of this study, many companies are relying on the Internet as a major contributor to their Those companies that do revenues. Further, the role of Mobile interactions is increasing, not make the required both through mobile web and mobile apps. Yet there seems to investment in enhanced be a major disconnect between the contributions from mobile e- mobile security will have sharply reduced revenue, commerce, and the steps being taken to protect those as well as much higher interactions. Despite many companies indicating they believe costs of operations, and they are protected, it is clear that the current level of investment a dissatisfied customer in mobile security is not up to the task. It is imperative that base. organizations reassess ess their mobile strategies in light of the growth in fraudulent transactions and the resulting loss of revenues. Mobile security has a huge potential payback, likely returning times or more of the investment. It must be on every organization s high priority list for the coming 1-2 years to get things started now, and then continuously updated and enhanced for the foreseeable future. Those companies that do not make the required investment in enhanced mobile security will have sharply reduced revenue, as well as much higher costs of operations, and a dissatisfied customer base. The research contained in this study has been licensed to RSA and TeleSign. No other parties are authorized to copy, post and/or redistribute this research without the express written permission of the copyright holder, J.Gold Associates, LLC. 20
22 About J.Gold Associates J.Gold Associates provides insightful, meaningful and actionable analysis of trends and opportunities in the computer and technology industries. We offer a broad based knowledge of the technology landscape, and bring that expertise to bear in our work. J.Gold Associates provides strategic consulting, syndicated research and advisory services, and in-context analysis to help its clients make important technology choices and to enable improved product deployment decisions and go to market strategies. J.Gold Associates, LLC 6 Valentine Road Northborough, MA USA
Enterprise Class SSD: A Business Benefit Analysis
Research January 2014 Enterprise Class SSD: A J.Gold Associates Research Report Intel Corporation recently announced a new enterprise-class Solid State Drive for mobile devices with improved performance,
More informationSecurity in an Increasingly Threatened World. SMS: A better way of doing Two Factor Authentication (2FA)
Security in an Increasingly Threatened World SMS: A better way of doing Two Factor Authentication (2FA) January 2015 The Proliferation of The App World The revolution of the smart phone forever affected
More informationBusiness Banking Customer Login Experience for Enhanced Login Security
Business Banking Customer Login Experience for Enhanced Login Security User credentials uniquely identify each person who uses the banking platform. The intent of authentication is unequivocal verification
More informationSound Business Practices for Businesses to Mitigate Corporate Account Takeover
Sound Business Practices for Businesses to Mitigate Corporate Account Takeover This white paper provides sound business practices for companies to implement to safeguard against Corporate Account Takeover.
More informationNational Cyber Security Month 2015: Daily Security Awareness Tips
National Cyber Security Month 2015: Daily Security Awareness Tips October 1 New Threats Are Constantly Being Developed. Protect Your Home Computer and Personal Devices by Automatically Installing OS Updates.
More informationBeyond passwords: Protect the mobile enterprise with smarter security solutions
IBM Software Thought Leadership White Paper September 2013 Beyond passwords: Protect the mobile enterprise with smarter security solutions Prevent fraud and improve the user experience with an adaptive
More informationElectronic Fraud Awareness Advisory
Electronic Fraud Awareness Advisory Indiana Bankers Association Fraud Awareness Task Force February, 2012 Electronic Fraud Awareness Advisory Purpose/Summary The Indiana Bankers Association (IBA) was involved
More informationExecutive Summary P 1. ActivIdentity
WHITE PAPER WP Converging Access of IT and Building Resources P 1 Executive Summary To get business done, users must have quick, simple access to the resources they need, when they need them, whether they
More informationImproving Online Security with Strong, Personalized User Authentication
Improving Online Security with Strong, Personalized User Authentication July 2014 Secure and simplify your digital life. Table of Contents Online Security -- Safe or Easy, But Not Both?... 3 The Traitware
More informationecommerce Stages of Authentication Dynamic Factor Authentication
ecommerce Stages of Authentication Dynamic Factor Authentication Card Data, name & Password MagnePrint Score card swipe Password Name Hardware authentication Mutual device authentication Single factor
More informationHow To Protect Your Online Banking From Fraud
DETECT MONITORING SERVICES AND DETECT SAFE BROWSING: Empowering Tools to Prevent Account Takeovers SUMMARY The Federal Financial Institutions Examination Council (FFIEC) is planning to update online transaction
More informationMANAGING RISK: SECURING DIGITAL IDENTITIES Striking the balance between user experience and security
MANAGING RISK: SECURING DIGITAL IDENTITIES Striking the balance between user experience and security You re more connected, but more at risk too Enterprises are increasingly engaging with partners, contractors
More informationexpanding web single sign-on to cloud and mobile environments agility made possible
expanding web single sign-on to cloud and mobile environments agility made possible the world of online business is rapidly evolving In years past, customers once tiptoed cautiously into the realm of online
More informationFFIEC CONSUMER GUIDANCE
FFIEC CONSUMER GUIDANCE Important Facts About Your Account Authentication Online Banking & Multi-factor authentication and layered security are helping assure safe Internet transactions for banks and their
More informationSECURING IDENTITIES IN CONSUMER PORTALS
SECURING IDENTITIES IN CONSUMER PORTALS Solution Brief THE CHALLENGE IN SECURING CONSUMER PORTALS TODAY The Bilateral Pull between Security and User Experience As the world becomes increasingly digital,
More informationCyber Threat Intelligence Move to an intelligencedriven cybersecurity model
Cyber Threat Intelligence Move to an intelligencedriven cybersecurity model Stéphane Hurtaud Partner Governance Risk & Compliance Deloitte Laurent De La Vaissière Director Governance Risk & Compliance
More informationA strategic approach to fraud
A strategic approach to fraud A continuous cycle of fraud risk management The risk of fraud is rising at an unprecedented rate. Today s tough economic climate is driving a surge in first party fraud for
More informationPrivilege Gone Wild: The State of Privileged Account Management in 2015
Privilege Gone Wild: The State of Privileged Account Management in 2015 March 2015 1 Table of Contents... 4 Survey Results... 5 1. Risk is Recognized, and Control is Viewed as a Cross-Functional Need...
More informationWhat the Future of Online Banking Authentication Could Be
Universal Banking Solution System Integration Consulting Business Process Outsourcing Banking on Internet and mobile is gaining popularity The Pew Internet & American Life Project Tracking survey of December
More informationPrivilege Gone Wild: The State of Privileged Account Management in 2015
Privilege Gone Wild: The State of Privileged Account Management in 2015 March 2015 1 Table of Contents... 4 Survey Results... 5 1. Risk is Recognized, and Control is Viewed as a Cross-Functional Need...
More informationGoogle Identity Services for work
INTRODUCING Google Identity Services for work One account. All of Google Enter your email Next Online safety made easy We all care about keeping our data safe and private. Google Identity brings a new
More informationHere are two informational brochures that disclose ways that we protect your accounts and tips you can use to be safer online.
Here are two informational brochures that disclose ways that we protect your accounts and tips you can use to be safer online. FFIEC BUSINESS ACCOUNT GUIDANCE New financial standards will assist credit
More informationCyber Security. An Executive Imperative for Business Owners. 77 Westport Plaza, St. Louis, MO 63416 p 314.439.4700 f 314.439.4799
Cyber Security An Executive Imperative for Business Owners SSE Network Services www.ssenetwork.com 77 Westport Plaza, St. Louis, MO 63416 p 314.439.4700 f 314.439.4799 Pretecht SM by SSE predicts and remedies
More informationWHITEPAPER. Fraud Protection for Native Mobile Applications Benefits for Business Owners and End Users
Fraud Protection for Native Mobile Applications Benefits for Business Owners and End Users Table of Contents How TrustDefender Mobile Works 4 Unique Capabilities and Technologies 5 Host Application Integrity
More informationREGULATIONS FOR THE SECURITY OF INTERNET BANKING
REGULATIONS FOR THE SECURITY OF INTERNET BANKING PAYMENT SYSTEMS DEPARTMENT STATE BANK OF PAKISTAN Table of Contents PREFACE... 3 DEFINITIONS... 4 1. SCOPE OF THE REGULATIONS... 6 2. INTERNET BANKING SECURITY
More informationHow To Deal With A Converged Threat From A Cloud And Mobile Device To A Business Or A Customer'S Computer Or Network To A Cloud Device
Ten Tips for Managing Risks on Convergent Networks The Risk Management Group April 2012 Sponsored by: Lavastorm Analytics is a global business performance analytics company that enables companies to analyze,
More informationInternet Banking Authentication Guidance is Out
Brace Yourself: Updated d FFIEC Internet Banking Authentication Guidance is Out October 13, 2011 Paul Rainbow, Manager David Dyk, Manager 1 The material appearing in this presentation is for informational
More informationChoosing an Email System for the Mid- Sized Business: A Comparison
Whitepaper November 2010 Choosing an Email System for the Mid- Sized Business: A Comparison A J.Gold Associates White Paper Selecting a full featured, cost effective and secure email solution to enable
More information1. For each of the 25 questions, multiply each question response risk value (1-5) by the number of times it was chosen by the survey takers.
Employee Security Awareness Survey Trenton Bond trent.bond@gmail.com Admin - Version 1.3 Security Awareness One of the most significant security risks that organizations and corporations face today is
More informationCUSTOMERS & CRIMINALS: USE WEB SESSION INTELLIGENCE TO DETECT WHO IS WHO ONLINE
CUSTOMERS & CRIMINALS: USE WEB SESSION INTELLIGENCE TO DETECT WHO IS WHO ONLINE Jason Sloderbeck Silver Tail Systems, Part of RSA Session ID: SPO1-W22 Session Classification: General Track Question Do
More informationSecurity aspects of e-tailing. Chapter 7
Security aspects of e-tailing Chapter 7 1 Learning Objectives Understand the general concerns of customers concerning security Understand what e-tailers can do to address these concerns 2 Players in e-tailing
More informationCONTINUOUS DIAGNOSTICS BEGINS WITH REDSEAL
CONTINUOUS DIAGNOSTICS BEGINS WITH REDSEAL WHAT IS CDM? The continuous stream of high profile cybersecurity breaches demonstrates the need to move beyond purely periodic, compliance-based approaches to
More informationTop 10 Anti-fraud Tips: The Cybersecurity Breach Aftermath
ebook Top 10 Anti-fraud Tips: The Cybersecurity Breach Aftermath Protecting against downstream fraud attacks in the wake of large-scale security breaches. Digital companies can no longer trust static login
More informationTwo-Factor Authentication over Mobile: Simplifying Security and Authentication
SAP Thought Leadership Paper SAP Mobile Services Two-Factor Authentication over Mobile: Simplifying Security and Authentication Controlling Fraud and Validating End Users Easily and Cost-Effectively Table
More informationFFIEC BUSINESS ACCOUNT GUIDANCE
FFIEC BUSINESS ACCOUNT GUIDANCE New financial standards will assist credit unions and business account holders to make online banking safer and more secure from account hijacking and unauthorized funds
More informationFIVE KEY CONSIDERATIONS FOR ENABLING PRIVACY IN HEALTH INFORMATION EXCHANGES
FIVE KEY CONSIDERATIONS FOR ENABLING PRIVACY IN HEALTH INFORMATION EXCHANGES The implications for privacy and security in the emergence of HIEs The emergence of health information exchanges (HIE) is widely
More informationMODERN THREATS DRIVE DEMAND FOR NEW GENERATION MULTI-FACTOR AUTHENTICATION
Whitepaper MODERN THREATS DRIVE DEMAND FOR NEW GENERATION MULTI-FACTOR AUTHENTICATION A SURVEY SHOWS THAT 90% OF ALL COMPANIES HAD BEEN BREACHED IN THE LAST 12 MONTHS. THIS PAIRED WITH THE FACT THAT THREATS
More informationVoice biometrics. Advait Deshpande. 2002-2013 Nuance Communications, Inc. All rights reserved. Page 1
Voice biometrics Advait Deshpande 2002-2013 Nuance Communications, Inc. All rights reserved. Page 1 Imagine a world without PINS/Passwords 2002-2013 Nuance Communications, Inc. All rights reserved. Page
More informationAuthentication Solutions. Versatile And Innovative Authentication Solutions To Secure And Enable Your Business
Authentication Solutions Versatile And Innovative Authentication Solutions To Secure And Enable Your Business SafeNet Strong Authentication and Transaction Verification Solutions The Upward Spiral of Cybercrime
More informationWHITE PAPER Usher Mobile Identity Platform
WHITE PAPER Usher Mobile Identity Platform Security Architecture For more information, visit Usher.com info@usher.com Toll Free (US ONLY): 1 888.656.4464 Direct Dial: 703.848.8710 Table of contents Introduction
More informationThe EMEA Encryption and Authentication Markets
The EMEA Encryption and Authentication Markets Current Trends in the Channel whitepaper Evolving, increasingly advanced threats, the increased adoption of cloud services, mobile device proliferation, and
More informationSecurity and Compliance challenges in Mobile environment
Security and Compliance challenges in Mobile environment Emerging Technologies November 19, 2013 Bob Bastani Introductions Bob Bastani, Security & Compliance Program Manager, IBM, 301-803-6078, bbastani@us.ibm.com
More informationIDRBT Working Paper No. 11 Authentication factors for Internet banking
IDRBT Working Paper No. 11 Authentication factors for Internet banking M V N K Prasad and S Ganesh Kumar ABSTRACT The all pervasive and continued growth being provided by technology coupled with the increased
More informationAuthentication Strategy: Balancing Security and Convenience
Authentication Strategy: Balancing Security and Convenience Today s Identity and Access Security Strategies Are Being Driven by Two Critical Imperatives: Enable business growth by: Quickly deploying new
More information2015 CENTRI Data Breach Report:
INDUSTRY REPORT 2015 CENTRI Data Breach Report: An Analysis of Enterprise Data Breaches & How to Mitigate Their Impact P r o t e c t y o u r d a t a Introduction This industry report attempts to answer
More informationSecurity for Financial Services: Addressing the Perception Gaps in a Dynamic Landscape
White Paper Security for Financial Services: Addressing the Perception Gaps in a Dynamic Landscape Financial services organizations have a unique relationship with technology: electronic data and transactions
More informationYes MAM: How Mobile Device Management Plus Mobile Application Management Protects and Addresses BYOD
STRATEGY ANALYTICS INSIGHT October 2012 Yes MAM: How Mobile Device Management Plus Mobile Application Management Protects and Addresses BYOD By Mark Levitt, Analyst/Director at Strategy Analytics BYOD
More informationUsing Real Time Interactive Notifications to Effectively Fight Fraud, Accelerate Resolution and Increase Customer Loyalty
Using Real Time Interactive Notifications to Effectively Fight Fraud, Accelerate Resolution and Increase Customer Loyalty Conducted by Javelin Strategy & Research June 2010 All Rights Reserved Rising Fraud
More informationState of Security Survey GLOBAL FINDINGS
2011 State of Security Survey GLOBAL FINDINGS CONTENTS Introduction... 4 Methodology... 6 Finding 1: Cybersecurity is important to business... 8 Finding 2: The drivers of security are changing... 10 Finding
More informationStrengthen security with intelligent identity and access management
Strengthen security with intelligent identity and access management IBM Security solutions help safeguard user access, boost compliance and mitigate insider threats Highlights Enable business managers
More informationPreparing for a Cyber Attack PROTECT YOUR PEOPLE AND INFORMATION WITH SYMANTEC SECURITY SOLUTIONS
Preparing for a Cyber Attack PROTECT YOUR PEOPLE AND INFORMATION WITH SYMANTEC SECURITY SOLUTIONS CONTENTS PAGE RECONNAISSANCE STAGE 4 INCURSION STAGE 5 DISCOVERY STAGE 6 CAPTURE STAGE 7 EXFILTRATION STAGE
More informationWhite Paper. FFIEC Authentication Compliance Using SecureAuth IdP
White Paper FFIEC Authentication Compliance Using SecureAuth IdP September 2015 Introduction Financial institutions today face an important challenge: They need to comply with guidelines established by
More informationLongmai Mobile PKI Solution
Longmai Mobile PKI Solution A quick Solution to External and Internal fraud in Insurance Industry Putting the client at the center of modernization Contents 1. INTRODUCTION... 3 1.1 Challenges... 3 1.2
More informationFFIEC Supplemental Guidance to Authentication in an Internet Banking Environment. Robert Farmer Senior Technology Compliance Manager
FFIEC Supplemental Guidance to Authentication in an Robert Farmer Senior Technology Compliance Manager 1 888 250 4400 Effective Date The FFIEC Supplement to Authentication in an was issued on June 28,
More informationMobile Identity: Improved Cybersecurity, Easier to Use and Manage than Passwords. Mika Devonshire Associate Product Manager
Mobile Identity: Improved Cybersecurity, Easier to Use and Manage than Passwords Mika Devonshire Associate Product Manager 1 Agenda 2 What is Cybersecurity? Quick overview of the core concepts 3 Cybercrime
More informationXYPRO Technology Brief: Stronger User Security with Device-centric Authentication
Ken Scudder Senior Director Business Development & Strategic Alliances XYPRO Technology Talbot A. Harty CEO DeviceAuthority XYPRO Technology Brief: Stronger User Security with Device-centric Authentication
More informationHow to reduce the cost and complexity of two factor authentication
WHITEPAPER How to reduce the cost and complexity of two factor authentication Published September 2012 48% of small and medium sized businesses consistently cite technical complexity and cost of ownership
More information2012 NCSA / Symantec. National Small Business Study
2012 NCSA / Symantec National Small Business Study National Cyber Security Alliance Symantec JZ Analytics October 2012 Methodology and Sample Characteristics JZ Analytics was commissioned by the National
More informationState of Network Security 2014
State of Network Security 2014 An AlgoSec Survey Copyright 2014. AlgoSec, Inc. All rights reserved. Executive Summary A survey of 142 information security and network operations professionals and application
More informationMicrosoft Exchange Vs BlackBerry Professional - Which is Better For Small Business?
Whitepaper August 2008 Wireless Push Email for the Smaller Business: A Comparison A J.Gold Associates White Paper Microsoft s newest version of Exchange provides push email capability as a standard feature.
More informationAdvanced Biometric Technology
INC Internet Biometric Security Systems Internet Biometric Security System,Inc.White Papers Advanced Biometric Technology THE SIMPLE SOLUTION FOR IMPROVING ONLINE SECURITY Biometric Superiority Over Traditional
More informationINTELLIGENCE DRIVEN FRAUD PREVENTION
INTELLIGENCE DRIVEN FRAUD PREVENTION OVERVIEW If you were in business 15 years ago, the term cybercrime was just hitting the mainstream and cyber criminals were transitioning from showing off technical
More informationHow To Manage Security On A Networked Computer System
Unified Security Reduce the Cost of Compliance Introduction In an effort to achieve a consistent and reliable security program, many organizations have adopted the standard as a key compliance strategy
More informationBEST SECURITY PRACTICES IN ONLINE BANKING PLATFORMS
BEST SECURITY PRACTICES IN ONLINE BANKING PLATFORMS TABLE OF CONTENTS BEST SECURITY PRACTICES Home banking platforms have been implemented as an ever more efficient 1 channel through for banking transactions.
More information4 Steps to Effective Mobile Application Security
Mobile Application Security Whitepaper 4 Steps to Effective Mobile Application Security Table of Contents Executive Summary 3 Mobile Security Risks in Enterprise Environments 4 The Shortcomings of Traditional
More informationHow Do I Log Into Mobile Banking?
1 How Do I Log Into Mobile Banking? In order to use any of Connex Mobile Banking service, you must register for Online Banking via a computer and browser. This is necessary to set-up all security settings
More informationAnalytics, Big Data, & Threat Intelligence: How Security is Transforming
Analytics, Big Data, & Threat Intelligence: How Security is Transforming Jason Sloderbeck Director, Product Management RSA Web Threat Detection 1 Presentation Overview The Largest Threat How Can Big Data
More informationCYBERCRIME AND THE HEALTHCARE INDUSTRY
CYBERCRIME AND THE HEALTHCARE INDUSTRY Access to data and information is fast becoming a target of scrutiny and risk. Healthcare professionals are in a tight spot. As administrative technologies like electronic
More information10 best practice suggestions for common smartphone threats
10 best practice suggestions for common smartphone threats Jeff R Fawcett Dell SecureWorks Security Practice Executive M Brandon Swain Dell SecureWorks Security Practice Executive When using your Bluetooth
More informationInternet threats: steps to security for your small business
Internet threats: 7 steps to security for your small business Proactive solutions for small businesses A restaurant offers free WiFi to its patrons. The controller of an accounting firm receives a confidential
More informationSANS Survey on Mobility/BYOD Security Policies and Practices
Sponsored by RSA SANS Survey on Mobility/BYOD Security Policies and Practices October 2012 A SANS Whitepaper Written by: Kevin Johnson and Tony DeLaGrange Advisor: Barbara Filkins Survey Participants Page
More informationTHE 2014 THREAT DETECTION CHECKLIST. Six ways to tell a criminal from a customer.
THE 2014 THREAT DETECTION CHECKLIST Six ways to tell a criminal from a customer. Telling criminals from customers online isn t getting any easier. Attackers target the entire online user lifecycle from
More informationSYSPRO App Store: Registration Guide
SYSPRO App Store: Registration Guide SYSPRO App Store Registration Guide 2 Table of Contents What is the SYSPRO App Store?... 3 The SYSPRO App Store URL... 3 Who can use it?... 3 Register as a customer...
More informationDigital Consumer s Online Trends and Risks
Digital Consumer s Online Trends and Risks Modern consumers live a full-scale digital life. Their virtual assets like personal photos and videos, work documents, passwords to access social networking and
More informationMOBILE SECURITY: DON T FENCE ME IN
MOBILE SECURITY: DON T FENCE ME IN Apart from the known and the unknown, what else is there? 18 Harold Pinter, Nobel Prize-winning playwright, screenwriter, director, actor 32 INTRODUCTION AND METHODOLOGY
More informationOutlook 2011: Survey Report
Web Analytics Association Outlook 2011: Survey Report page 1 Web Analytics Association Outlook 2011: Survey Report Prepared by the Web Analytics Association February 2011 All Rights Reserved Web Analytics
More informationMulti-Factor Authentication of Online Transactions
Multi-Factor Authentication of Online Transactions Shelli Wobken-Plagge May 7, 2009 Agenda How are economic and fraud trends evolving? What tools are available to secure online transactions? What are best
More informationSecuring end-user mobile devices in the enterprise
IBM Global Technology Services Thought Leadership White Paper January 2012 Securing end-user mobile devices in the enterprise Develop an enforceable mobile security policy and practices for safer corporate
More informationCybersecurity: A View from the Boardroom
An Executive Brief from Cisco Cybersecurity: A View from the Boardroom In the modern economy, every company runs on IT. That makes security the business of every person in the organization, from the chief
More informationSupplement to Authentication in an Internet Banking Environment
Federal Financial Institutions Examination Council 3501 Fairfax Drive Room B7081a Arlington, VA 22226-3550 (703) 516-5588 FAX (703) 562-6446 http://www.ffiec.gov Purpose Supplement to Authentication in
More informationAuthentication Solutions VERSATILE AND INNOVATIVE AUTHENTICATION SOLUTIONS TO SECURE AND ENABLE YOUR BUSINESS
Authentication Solutions VERSATILE AND INNOVATIVE AUTHENTICATION SOLUTIONS TO SECURE AND ENABLE YOUR BUSINESS SafeNet Strong Authentication and Transaction Verification Solutions The Upward Spiral of Cybercrime
More informationAPI-Security Gateway Dirk Krafzig
API-Security Gateway Dirk Krafzig Intro Digital transformation accelerates application integration needs Dramatically increasing number of integration points Speed Security Industrial robustness Increasing
More informationProtecting your business from fraud
Protecting your business from fraud KEY TAKEAWAYS > Understand the most common types of fraud and how to identify them. > What to do if you uncover fraudulent activity or suspect you are a victim of fraud.
More informationCompliance Doesn t Mean Security Achieving Security and Compliance with the latest Regulations and Standards
Compliance Doesn t Mean Security Achieving Security and Compliance with the latest Regulations and Standards Paul de Graaff Chief Strategy Officer Vanguard Integrity Professionals March 11, 2014 Session
More informationBest Practices in Account Takeover
WHITEPAPER Best Practices in Account Takeover July 2013 2 Table of Contents Introduction 3 Account Takeover is Painful 4 Differences between Account Takeover and Account Compromise 4 Why Account Compromise
More informationKey Authentication Considerations for Your Mobile Strategy
Key Authentication Considerations for Your Mobile Strategy The Need for Mobile Authentication Reaches Critical Mass According to an old adage, consumers speak through their pocketbooks. While that saying
More informationThe Benefits of an Integrated Approach to Security in the Cloud
The Benefits of an Integrated Approach to Security in the Cloud Judith Hurwitz President and CEO Marcia Kaufman COO and Principal Analyst Daniel Kirsch Senior Analyst Sponsored by IBM Introduction The
More informationDeveloping Secure Software in the Age of Advanced Persistent Threats
Developing Secure Software in the Age of Advanced Persistent Threats ERIC BAIZE EMC Corporation DAVE MARTIN EMC Corporation Session ID: ASEC-201 Session Classification: Intermediate Our Job: Keep our Employer
More informationAssessment & Monitoring
Cloud Services Shadow IT Risk Assessment Report Assessment & Monitoring Shadow IT Analytics & Business Readiness Ratings with Elastica CloudSOC & Audit November, 204 Based on all data sources from October,
More informationBioCatch Fraud Detection CHECKLIST. 6 Use Cases Solved with Behavioral Biometrics Technology
BioCatch Fraud Detection CHECKLIST 6 Use Cases Solved with Behavioral Biometrics Technology 1 2 MAN-IN-THE- BROWSER MALWARE ATTACK DETECTION (E.G. DYRE, NEVERQUEST) REMOTE ACCESS (RAT) DETECTION Challenge:
More informationASSUMING A STATE OF COMPROMISE: EFFECTIVE DETECTION OF SECURITY BREACHES
ASSUMING A STATE OF COMPROMISE: EFFECTIVE DETECTION OF SECURITY BREACHES Leonard Levy PricewaterhouseCoopers LLP Session ID: SEC-W03 Session Classification: Intermediate Agenda The opportunity Assuming
More informationONLINE AND MOBILE BANKING, YOUR RISKS COVERED
ONLINE AND MOBILE BANKING, YOUR RISKS COVERED WITH KASPERSKY FRAUD PREVENTION ONLINE AND MOBILE BANKING, YOUR RISKS COVERED WITH KASPERSKY FRAUD PREVENTION Financial fraud is a serious risk with damaging
More informationTHE COMPLETE GUIDE TO GOOGLE APPS SECURITY. Building a comprehensive Google Apps security plan
THE COMPLETE GUIDE TO GOOGLE APPS SECURITY Building a comprehensive Google Apps security plan Contents Introduction................................ 3 1. Secure the core.............................4 Google
More informationThe Importance of Cyber Threat Intelligence to a Strong Security Posture
The Importance of Cyber Threat Intelligence to a Strong Security Posture Sponsored by Webroot Independently conducted by Ponemon Institute LLC Publication Date: March 2015 Ponemon Institute Research Report
More informationnext generation privilege identity management
next generation privilege identity management Nowadays enterprise IT teams are focused on adopting and supporting newer devices, applications and platforms to address business needs and keep up pace with
More informationGlobal IT Security Risks: 2012
Global IT Security Risks: 2012 Kaspersky Lab is a leading developer of secure content and threat management solutions and was recently named a Leader in the Gartner Magic Quadrant for Endpoint Protection
More informationCyber Security. Securing Your Mobile and Online Banking Transactions
Cyber Security Securing Your Mobile and Online Banking Transactions For additional copies or to download this document, please visit: http://msisac.cisecurity.org/resources/guides 2014 Center for Internet
More informationWHITEPAPER. SECUREAUTH 2-FACTOR AS A SERVICE 2FaaS
WHITEPAPER SECUREAUTH 2-FACTOR AS A SERVICE 2FaaS EXECUTIVE OVERVIEW 2-Factor as a Service (2FaaS) is a 100% cloud-hosted authentication solution that offers flexible security without compromising user
More informationTable of Contents. Application Vulnerability Trends Report 2013. Introduction. 99% of Tested Applications Have Vulnerabilities
Application Vulnerability Trends Report : 2013 Table of Contents 3 4 5 6 7 8 8 9 10 10 Introduction 99% of Tested Applications Have Vulnerabilities Cross Site Scripting Tops a Long List of Vulnerabilities
More informationOnline Banking Fraud Prevention Recommendations and Best Practices
Online Banking Fraud Prevention Recommendations and Best Practices This document provides you with fraud prevention best practices that every employee at Continental National Bank of Miami needs to know
More information