1、Survey2024 Scams Impact Survey:SpainInvestigating the impact of authorized push payment (APP)fraud/scamsFICO Proprietary ResearchConducted July 2024,published October 20242As real-time payments(RTP)grow in Spain,can you effectively balance protection and customer experience?In Spain,real-time paymen

2、ts(RTP)services continue to impact the payments landscape.Most Spanish consumers have used RTP,and many have formed opinions about its utility and security.Additionally,more are experiencing scams and reporting losses than a year ago.A vast majority of Spanish consumers have sent and received RTP,an

3、d they are experiencing scams and losses as their usage increases.Perceptions about RTP security are changing,with more consumers feeling they are comparably safe to credit cards,yet an increasing number of individuals are reporting scam losses to their banks.A majority of Spanish consumers say the

4、top two ways their banks can protect them better from scams are through improved fraud detection and more notifications about known or emerging scams.Read this report for a deeper look at how Spanish consumers are using RTP,experiencing scams and losses,and changing their opinions about RTP and scam

5、 defense.An important note about the comparative data in this e-book.The data referenced throughout this e-book derives from two surveys FICO conducted in 2023 and 2024.Each survey asked more than 12,000 consumers across 14 countries their opinions and experiences regarding RTP usage,scams,and their

6、 banks scam management capabilities.When year-over-year comparisons are made,they are referring to a comparison of these two surveys that asked the same question in each year the survey was conducted.3RTP:Changing the payments landscape The majority of consumers in Spain say they have sent RTP(93%)o