views of latin american consumers on electronic fraud 2012
TRANSCRIPT
VIEWS OF LATIN AMERICAN CONSUMERSON ELECTRONIC FRAUD – 2012
USE, AWARENESS, AND ATTITUDES OF CUSTOMERS WITH RESPECT TO ELECTRONIC FRAUD AND PROTECTION METHODS.
Summary For three years running, Easy Solutions has conducted a research study with consumers all over Latin America, to find out their perceptions and behavior with regards to electronic fraud, security methods, and educational campaigns related to those topics.
The findings of this study provide a reference point for the financial institutions and electronic service providers in the region, particularly for the implementation of security and communications technology aimed at users of online banking and other electronic channels.
TABLE OF CONTENTS
About the Study
Inhibiting Factors in the Use of Internet for Transactions and Purchases
Electronic Channel Usage and Preferences
Knowledge and Concerns about Electronic Threats
Responsibility for Anti-Fraud Measures
Security Methods
Conclusions
Easy Solutions Multi-Layer Total Fraud Protection® Strategy
About Easy Solutions
1
2
3
4
w w w . e a s y s o l . n e t
5
6
7
8
9
2
10
Educational Awareness Campaigns about Fraud in Financial Institutions
w w w . e a s y s o l . n e t3
1
As the leading company focused on electronic fraud prevention and detection, Easy Solutions is at the
forefront of research regarding constantly evolving electronic threats. Easy Solutions’ ongoing
research is not just technical; it also takes the dynamic needs of the market into account, including
financial institutions, electronic service providers, and end users, who are often the weakest link of
the security chain and thus play a key role in preventing fraud.
For the third straight year, Easy Solutions conducted the study “Views of Latin American Consumers
on Electronic Fraud”, based on consumer research with users from Mexico, Central America and the
Caribbean, the Andean Region, Brazil, and the Southern Cone. These results are one of the
information sources that help to shape the products and services of the Total Fraud Protection®
strategy and offer a reference point for the electronic security strategies and educational campaigns
of financial institutions in the region.
ABOUTTHE STUDY
Target Population Over 20 years of age and complete online transactions at least once a month.
Regions Central America and the Caribbean (Costa Rica, Dominican Republic, and Panama), Andean Region (Colombia, Venezuela, and Ecuador), Southern Cone (Chile and Argentina), Mexico, and Brazil.
Weighted Average Data was not weighed.
Margin of Error +/- 5% overall, +/- 11% by region, 95% confidence level, n=440
Study Period Phone interviews conducted June-August 2012
Provider Mystery Shopper
TECHNICAL PROFILE
w w w . e a s y s o l . n e t4
2
29% of contacted people over the age of 20 do not use the Internet as a means for making
transactions or purchases. The main reason they don't is fear of electronic fraud.
As a preliminary step in the analysis of the views held by electronic banking users, it is also important to take a
look at those users who do not use the Internet for banking transactions. 29% of those contacted don't use the
Internet for banking, and the main reason why is fear of electronic fraud.
Therefore, fighting against electronic fraud is not only critical in preventing economic losses and protecting the
reputation of financial institutions; it is also essential for the growth of online banking and new transactional
channels, since these alternatives are operationally less expensive and more convenient for users than physical
bank offices.
INHIBITING FACTORS IN THE USE OF INTERNETFOR TRANSACTIONS AND PURCHASES
Frequency of Internet Use for Banking Transactions, Payments, or Purchases
How often do you use the Internet to make banking transactions, check your account balance, pay for services, pay taxes, or make any other payment or purchase?
Why don't you use/more frequently use the Internet for banking operations, payments, or purchases?
- Fear of electronic theft or fraud/ It doesn't seem safe 47%- Doesn't trust that the transaction was recorded correctly 14%
- The bank doesn't have an internet portal for transactions 2%
- Doesn't have a bank account 14%- Doesn't have access to a computer or the Internet 13%- Prefers to do the transaction in a bank/in person/It's
unnecessary 10%- Doesn't know how to use a computer or the Internet 9%- Doesn't have a credit card 3%
At least once a month
19%
13%
16%
9%
18%
25%
At least once every two weeks
Everyday
Less than once a month At least once a week
Don't use it
29%
w w w . e a s y s o l . n e t5
3
For online banking users, the Internet is their preferred channel for making transactions, while their
use of and preference for bank offices has decreased.
In Latin America, users are increasingly turning to the Internet and other electronic channels to complete their
transactions, payments, and purchases. In line with global trends, and due to growth in the availability of
Internet in the region, these channels continue to replace bank offices and ATM machines for making
transactions.
For online banking users, the Internet is the most frequently-used channel – 3.8 times a month, with 67% of
users saying they use it at least once a week.
Although the total number of mobile banking users in the region is still low, mobile users' frequency of use
increased over the last year to become one of the highest among payment channels, with a rate of 3.6 times per
month.
ELECTRONIC CHANNEL USAGEAND PREFERENCES
Use of Payment Channels
What payment methods do you use to make banking transactions, check your account balance, pay for services, pay taxes, or make any other payment or purchase? And how often do you use…..?
2011
2012 3.63.43.8 3.6 3.1 3.3
Answers per person: 2.0
91%89%
Internet from a personal
computer or laptop
61%54%
Bank offices or branches
ATM machines
53% 51%
Internet from a cell phone or mobile device
with a data plan
23% 22%
Audio response systems by
phone
19% 18%
Credit card or electronic payment terminal
19%26%
2010 2011
3.32.63.7 3.0 2.3 2.8
2012
97%
35%29%
15%11% 11%
Monthly Frequency of Use
w w w . e a s y s o l . n e t6
3
The preference for bank offices is very low compared to their level of use, creating an opportunity for financial institutions to continue moving users to the Internet and other more profitable electronic channels.
Generally speaking, what is your preferred method for carrying out bank transactions or payments?
2010 2011 2012
Preferred Channel for Banking Transactions or Payments in General
59%
71%
Internet from a personal
computer or laptop
28%
16%
Bank offices or branches
ATM machines
11%7%
Internet from a cell phone or mobile device
with a data plan
2% 3%
Audio response systems by telephone
1%
Credit card or electronic payment terminal
1% 2%
76%
8% 10%4%
1%1% 1%
ELECTRONIC CHANNEL USAGEAND PREFERENCES
w w w . e a s y s o l . n e t7
4EDUCATIONAL AWARENESS CAMPAIGNS ABOUTFRAUD IN FINANCIAL INSTITUTIONS
Educational campaigns should be reinforced so that users are aware of their responsibility for fraud
prevention and learn to protect themselves.
Although the majority of users know that their bank conducts educational campaigns about electronic fraud
prevention, a third of users in the region are not familiar with these kinds of initiatives.
Awareness of educational campaigns decreased compared to last year, especially in the regions of Brazil and
Central America, which reflects a lower level of knowledge about electronic threats and a drop in personal
measures taken to protect against those threats, as you will see shortly.
It is essential that financial institutions reinforce and remain steadfast in their educational strategies to
decrease the amount of fraud victims and improve the perception of security surrounding online banking and
other electronic channels.
Awareness of Educational Campaigns about Electronic Fraud Conducted by Banks
Does your bank conduct educational campaigns to warn about and teach usersto protect themselves against electronic fraud?
Total Andean Central America Southern Cone Mexico Brazil
71%64%
12%16%
16% 20%
81%74%
95%
73%
53%
71% 69%64%
59%
29%
12%20%
5%
13%
16%
21% 25%
23%
3%
1%
7% 6%13%
31%
8% 5%13%
39%
69%
NoYes Don't know
2011 2012 2011 2012 2011 2012 2011 2012 2011 2012 2011 2012
w w w . e a s y s o l . n e t8
4
With regard to the content of the campaigns, users mainly remember that the messages recommended
frequent password changes and dealt with phishing prevention.
Types of Educational Campaigns Conducted by Banks
What were the topics of the bank campaigns?
50Frequent changing of passwords
50Not giving user data or credit card numbers by e-mail
49Not going to a bank portal through a link that arrives
by e-mail
49Not giving user data or passwords to strangers
49Not losing sight of a credit or debit card
35Keeping antivirus software up-to-date
31Not making transactions on public computers
10Instructions about basic security norms
1Don't know/don’t remember
PhishingPrevention
EDUCATIONAL AWARENESS CAMPAIGNS ABOUTFRAUD IN FINANCIAL INSTITUTIONS
w w w . e a s y s o l . n e t9
5KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
Knowledge levels about electronic threats are low in the region, and decreased over the last year as a
consequence of lower awareness of bank educational campaigns.
Among Latin American users, there is still a widespread lack of knowledge about threats other than computer
viruses and Trojans, with 40% of users unaware of phishing through e-mail and 57% who don't know what
pharming is. More advanced and highly dangerous threats like man-in-the-middle (MITM) attacks and man-in-
the-browser (MITB) attacks are only known by less than a third of users.
It's also alarming that the level of protection is even lower than threat awareness, since not all users who know
about a threat have protected themselves against it. The gap between knowledge and protection is highest in
the cases of MITM, MITB, pharming and phishing.
Knowledge about Electronic Threats
Now, I'm going to read some of the threats that you could be exposed to when you make an internet bank transaction. Please tell me if you know or have heard about any of them.
2010 2011 2012
Virus
95%97%
91%
Trojans
67%
81%73%
ComputerWorms
63%
70%65%
Spyware
55%
73%
59%
Malware
34%
61%
51%
Phishing viatext messaging
31%
56%
48%
Phishingby phone
28%
55%
44%
Phishin via e-mail
36%
67%60%
Keyloggers
24%
51%
38%
Pharming
26%
53%
43%
Pharming
30%
* Manin the
Middle
26%
* Manin the
Browser
44%
* Socialengineering
* New threats included as of 2012
w w w . e a s y s o l . n e t10
5
These figures indicate that there is a great need to educate users about how to protect themselves against
different forms of electronic fraud, putting greater emphasis on those that are less known and therefore
potentially more dangerous.
Threat Awareness vs. Protection
Now I am going to read you some threats that you could be exposed to when making a banking transaction, payment, or purchase on the Internet. Please tell me if you are aware of or have heard about any of them, and if you have protection against them....
2010
2011
AwareGap between awareness and protection
Virus Trojans ComputerWorms
Spyware MalwarePhishingvia e-mail
Pharming Keyloggers
2012
8%
8%
11%
9%
12%
21%
13%
24%
21%
13%
15%
20%
27%
32%
40%
13%
31%
29%
28%
31%
38%
24%
20%
17% 47% 45%
Mainin the
Middle
Mainin the
Browser
91%
81%73%
58%65%
51%59%
47%
60%
37%
51%42% 43%
26%
38%
27%30%
16%
26%
14%
Has protection on their computer
KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
w w w . e a s y s o l . n e t11
5
Security perceptions on the Internet
Only a third of users believe that security for transactions or purchases on the Internet has improved
in the last year. As seen previously, fear of fraud is the chief factor inhibiting use of the Internet as a
transaction channel, and therefore it is necessary to teach users to stay alert, as well as how to protect
themselves from computer threats.
Perceptions of the Evolution of Security on the Internet during the Last Year
Do you believe that making transactions or purchases on the internet is now safer, less safe, or the same as a year ago?
Less safeThe sameDon't know Safer
3
15
47
48
8
3545
Brazil
2011 2012
3 2 1 4 4 3 1 9 4 3
30
18
3527
15
2923 25
4031
11
35 2824
2941
29
31
27
29
35
36
31 28
2133
37
39 44
9
208
3849
3743
51
3043 44
3727
48
27 25
67
51 51
0%
20%
40%
60%
80%
100%
Andean Central America Southern Cone MexicoTotal
2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010 2011 2012 2010
KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
w w w . e a s y s o l . n e t12
5
Personal Protective Measures
Another consequence of the low awareness of educational campaigns is a drop in the personal
protective actions of users. Among the most commonly used personal protection measures were
only visiting familiar websites (77%), only making purchases on the websites of well-known
companies (64%), and checking if a website has a security certificate (45%).
It is interesting that 37% of those interviewed say they have installed a protection program apart from
an antivirus program on their computer, because someone they know recommended it or through
their own initiative. This shows that users are interested and willing to install programs that protect
against malware and other threats.
Personal Protective Measures
Some people have taken certain measures to protect themselves from fraud or robbery on the Internet. Have you taken one of the following actions?
Answers per person: 3.5*Option included in 2012
2010 2011 2012
Before making any purchase,
checking to see if the
website has a security
certificate
61%
42%
27%23% 22%
13% 13% 11% 10%
82%78%
68%
33%
22%
13%
4%
39%
15%
77%
64%
45%36%
19% 21%
5%
34%
17%
37%
Only visiting familiar
websites
Only making
purchases at well-known
websites
Decreased or stopped
making online purchases
Stopped making banking
transactions on the
Internet
Using the internet less
often
Haven't taken any measures
Using PayPal as an alternative to
making payments on the
internet
Changed banks
Installed a protection program
apart from antivirus*
KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
w w w . e a s y s o l . n e t13
5
Banks and financial institutions have the opportunity to take a more proactive role in recommending or giving
their users solutions against malware that can effectively protect them from threats like pharming, phishing,
and MITM and MITB attacks.
Nevertheless, the majority of users don't know how useful the program they installed is, and therefore can fall
victim to deceptive programs that not only don't offer any protection but on the contrary end up being a form of
malicious software themselves.
Who gave you the recommendation for the protection program that you installed on your computer?
Person Who Recommended the Program
Base: 178
Do you know which threats the program you installed on your computer protects against?
5
11
12
17
20
35
Doesn't know/doesn't remember
Their bank
Other
An Internet company
The interviewee
Friend/Relative
7Other
Pharming
Phishing
Robbery of banking information/credentials
Electronic fraud
Redirection to fraudulent websites
Malware/malicious programs
Doesn't know
26
26
27
29
29
39
41
Threats the Program Protects Against
KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
w w w . e a s y s o l . n e t14
5
Another possible personal action that can be taken against fraud is to check bank and credit card statements.
About 40% of users don't have the habit of revising their statements, which is an important method for
detecting fraud. This is another issue that could be improved with more education.
Checking statements
Are you in the habit of checking the reported transactions on your bank or credit card statements in detail?
AlwaysRarely Sometimes
3 315
4 5 1 3 5 18 8
7
99
8 15 35
95
1426
1623
13
36
1725
1623
7462 63 65
77
51
67 69
95
69 71
Andean Central America Southern Cone Mexico BrazilTotal
2011 2012 2011 2012 2011 2012 2011 2012 20112011 2012
Never
12
33
55
0%
20%
40%
60%
80%
100%
2012
KNOWLEDGE AND CONCERNS ABOUTELECTRONIC THREATS
w w w . e a s y s o l . n e t15
6RESPONSIBILITY FORANTI-FRAUD MEASURES
For Latin American users, the main party responsible for electronic security is the banks.
41% of online banking users think that banks should assume the most responsibility for the security of
electronic transactions. The users themselves are in second place for accepting responsibility with 34%,
followed by computer and software manufacturers.
Responsibility for Anti-Fraud Measures
When considering electronic fraud, who do you think is primarily responsible for ensuring that electronic transactions are secure?
Computer/software manufacturers
The government/Monitoring institutions
Internet service providers
The user
Banks or businesses that own portals
Credit card companies
124 3
5 2 4
5 11 84 1 3
2010 2011 2012
30
25
34
43
58
41
w w w . e a s y s o l . n e t16
6
On a related note, Latin American users think their banks should implement stronger security measures. 88% believe that their bank should strengthen authentication methods and 82% expect that their transactions will be monitored to detect suspicious activity. Considering that 44% of users say that these measures would increase their willingness to use the internet as a transactional channel, the impact of the implementation of stronger security methods would be extremely positive.
Users who expect stronger authentication and transaction monitoring
How would the implementation of new website security methods, in addition to a user name and
password, impact your willingness to interact, make transactions or purchases, or enter confidential information on these sites?
Wouldn't change
I would be alittle less willing
I would be muchless willing
I would be muchmore willing
I would be a littlemore willing
19%
25%
18%
9%16%
88
82
5
15
6
3
Do you think that banks should strengthen authentication methods?
Do you expect your bank to monitor your transactions and detect suspicious activity?
Yes No Don't know/No preference
Impact of New Security Measures on the Use of Web Sites
RESPONSIBILITY FORANTI-FRAUD MEASURES
w w w . e a s y s o l . n e t17
7SECURITYMETHODS
The use of strong authentication methods other than a second password is lower than 50%.
In Latin America, the use of strong authentication methods is still low. The most widespread method is a second password, with a 50% usage rate, followed by challenge questions and a security image.
Nevertheless, not all users of strong authentication methods trust that they work, and this is shown by 54% of those who use challenge questions having doubts about the reliability of that solution. It is necessary to accompany the delivery of security tools with educational materials that can explain to consumers how to use the solutions correctly and effectively, so that they will have a positive impact on trust and perceptions of security.
Gap between trust and use
Awareness, Use, and Trust in Security Methods
Which of the following security methods used to access electronic transactions are you aware of?Which security methods do you use regularly?
Which are the two methods you trust the most?
28%38% 32%45%54% 32%
2011
2012
Knows Uses
78%
50%
31%
77%
32%
15%
72%
16%
61%
23%
15%
59%
22%
15%
53%
13% 10%
Second password Security image Passwords sentby text message
Grid cardsChallenge question Authenticationtoken
29%
Trusts
56%45% 16%54%29% 23%
w w w . e a s y s o l . n e t18
7
Willingness to use additional security methods
There is a lot of interest in using new security methods, but many users are not willing to pay for access to these services.
Almost all users are willing to use the additional security methods offered by their banks, which demonstrates that users prefer to sacrifice convenience in favor of greater security.
However, almost half of those interviewed are not willing to pay for access to these services, with some regional differences. Brazil shows the lowest willingness to pay for additional security methods (43%); conversely, the Southern Cone region registers the highest level of willingness to pay for better security methods (64%).
Willingness to use and pay for additional security methods
If your bank decides to implement an optional, stronger security method (in addition to a user name and password),how willing are you to use this new method?
Are you willing to pay an additional charge to use this new, stronger security method from your bank?
69%73% 72% 72%
67%
60%
52%49%
59%64%
48%43%
Total Andean Central America Southern Cone Mexico Brazil
Very willing to use Very willing to use and pay for
SECURITYMETHODS
w w w . e a s y s o l . n e t19
8CONCLUSIONS
The results of the study show that electronic fraud is the biggest factor inhibiting the use of online banking and shopping on the Internet. Nonetheless, it is possible to change the perception of the security of electronic channels by providing additional security methods and education.
For users of online banking, this is their preferred and most commonly used channel for making transactions, while the use of bank offices and ATM machines continues to decrease.
While mobile banking still has a limited base of users, it shows a relatively high frequency of use.
Many users have no awareness of threats like phishing, pharming, and malware, and don't have any protection against them.
A third of those interviewed are not aware of their bank's campaigns against electronic fraud. Memories of these campaigns declined compared to the year before, which is reflected in a lower awareness of electronic threats and less personal measures taken for protection.
The use of strong authentication methods is still low, and should be accompanied by educational campaigns to improve the effectiveness of solutions and increase the perception of security and usage of online banking.
There is willingness on the part of users to utilize additional security methods and install protection programs on their computers, different from antivirus programs. Banks can have a more proactive role in incentivizing the use of this kind of technology against malware at the end user level, in order to prevent phishing, pharming, man-in-the-middle, and man-in-the-browser attacks, which are becoming increasingly more common in the region.
Latin Americans see banks as the main parties responsible for the security of electronic transactions. Users expect that their bank will offer strong authentication methods and transaction monitoring to detect suspicious activity.
w w w . e a s y s o l . n e t20
9EASY SOLUTIONS MULTI-LEVELTOTAL FRAUD PROTECTION® STRATEGY
“The best policy for dealing with the threats of today and tomorrow is multi-level fraud prevention.” – 1Gartner
The vision that sets Easy Solutions apart when it comes to fraud prevention is based on a comprehensive approach that addresses the different stages in the life cycle of an electronic attack: from attack planning, to stealing account credentials, and all the way up to withdrawing money from accounts.
This approach doesn't just allow for fraud to be prevented in a truly proactive way, before attacks are even launched and therefore minimizing the crime's impact and losses; it has also proven to be the most effective way to prevent fraud, because there is no one-size-fits-all solution to the various and constantly evolving forms of electronic fraud.
Gartner highly recommends the multi-level prevention approach as the best strategy for effectively preventing present and future threats: “The best policy for today and tomorrow's threats is multi-level fraud prevention…no single layer of fraud prevention or authentication is enough to keep determined fraudsters out of enterprise systems. Multiple layers must be employed to defend against today's attacks and those that have
1yet to appear.”
The Easy Solutions Total Fraud Protection® Strategy, in addition to covering all of the different stages of an attack, also includes protection for multiple transaction channels and authentication factors, making it truly “total” and complete.
In addition to the effectiveness of the Easy Solutions approach, the different products and services of the Total Fraud Protection® Strategy are designed to be easily integrated and implemented in stages, depending on the company's security plans and strategies. The products and services also help institutions comply with various regulations.
At a minimum, a layered security program should be designed to detect strange or unusual behavior when the customer logs into the system and when carrying out electronic transfers to third parties. Enhanced security is necessary for business accounts.
On the next page, we will describe the various levels of the Easy Solutions Total Fraud Protection® Strategy, which not only provide the best proactive protection against different kinds of electronic fraud, but also help to comply with local and international laws and regulations.
Easy Solutions Multiple Levels of Protection
1 The Five Layers of Fraud Prevention and Using Them to Beat Malware, 21 April 2011. Avivah Litan, Gartner. ID G00212587
w w w . e a s y s o l . n e t21
9
LAYER 1: Detect Monitoring Services – Proactive Protection against Phishing
Detect Monitoring Services monitors and classifies every user connection to a financial institution's website in real time. This layer of security proactively detects website visits from phishers as well as malicious activity on the website such as copying or altering original material. Any fraudulent websites that target the institution's customers are quickly deactivated.
LAYER 2: Detect Safe Browsing – Protection against Phishing, Pharming, Malware, and Man-in-the-Middle and Man-in-the-Browser attacks at the end-user level
Detect Safe Browsing is a tool that blocks online banking sessions from computers infected with malware or a poisoned hosts file. This security layer works by scanning a computer when it attempts to connect to a protected website. If DSB detects hosts file poisoning or malicious processes, the user is advised not to carry out the online banking session.
LAYER 3: Complex Device Authentication
DetectID® is a sophisticated strong authentication solution that permits the flexible integration of different authentication factors on the same platform: second password, security image, challenge questions, tokens, grid cards, and device authentication. The “true” authentication of devices done by DetectID creates a complex digital fingerprint based on the hardware information of the device.
EASY SOLUTIONS MULTI-LEVELTOTAL FRAUD PROTECTION® STRATEGY
D t e ct TAD te ct
w w w . e a s y s o l . n e t22
9
LAYER 4: DetectTA® - Real-Time Risk Qualification
Detect TA® authorizes or denies every electronic transaction of a customer in real time. This layer of security compares the individual transaction with the user's transaction history and/or any established rules. These enhanced controls include transaction value thresholds, a limit on transactions allowed per day, and allowable payment windows (e.g. day and time), among others.
LAYER 5: Detect Professional Services
Easy Solutions maximizes the return on investment in security through its Direct Professional Services, designed to increase the speed of implementation and get the desired results in terms of authentication and security detection from day one. From the initial analysis to the implementation and training, including consultations about security services, the Detect Professional Services Portfolio is the best choice to ensure the rapid achievement of your business objectives.
EASY SOLUTIONS MULTI-LEVELTOTAL FRAUD PROTECTION® STRATEGY
ABOUT
EASY SOLUTIONS
10
w w w . e a s y s o l . n e t23
Copyright ©2012 Easy Solutions, Inc. All rights reserved worldwide. Easy Solutions, the Easy Solutions logo, DetectID, DetectID in the Cloud, DetectID in the Cloud for SugarCRM , DetecTA, DetectCA, DetectID Web Authenticator, Total Fraud Protection, Detect Safe Browsing, Detect ATM, Detect Monitoring Service, Detect Vulnerability Scanning Service, Detect Social Engineering Assessment, Protect Your Business and Detect Professional Services are either registered trademarks or trademarks of Easy Solutions, Inc. All other trademarks are property of their respective owners. Specifications and content in this document are subject to change without notice.
Headquarters:
Latin America:
Contact Us
1401 Sawgrass Corporate Parkway, Sunrise, FL 33323 – Tel. +1-866-5244782
Cra. 13A No. 98 – 21 Of. 401 Bogotá, Colombia – Tel. +57 1- 7425570
Andean Region: +57 1- 7425570 Ext. 108Central America: + (503) 2279 3485Southern Cone: +56 (2) 431 5312Brazil: + 55 (11) 3521-7124US: +1-866-5244782 Ext. [email protected]
www.easysol.net
Easy Solutions, Inc is the only company worldwide to focus exclusively on the comprehensive prevention and detection of electronic fraud, offering products to protect against phishing, pharming, malware, man-in-the-middle attacks, man-in-the-browser attacks, multi-factor authentication and transaction anomaly detection.
Easy Solutions delivers a comprehensive and proactive approach to fraud prevention and works in alliance with industry leaders in other security disciplines supporting a wide range of diverse platforms.
Easy Solutions is a certified Quality Service Assesor (QSA) by the Payment Card Industry (PCI), and is a member of the Anti-Phishing Working Group (APWG) and banking associations such as the American Bankers Association (ABA) and the Florida Bankers Association (FBA).
Our proprietary technologies and methodologies, along with our constant research, allow us to rapidly react and adapt to new threats.