Outseer Fraud

& Payments Report

Q1, 2021

Digital transaction insights from the

Outseer Global Data NetworkTM
 Contents
Executive Summary 03

Part 1: Fraud Attack Trends: Overview 04 Added Bonus: CNP Trends 13

Fraud Attack Type Distribution 05 EMV 3DS v2.x Mobile App Transaction Trend 14

Top Phishing Target Countries 06 Global 3DS v2.x Transaction Volumes Trend 15

Top Phishing Hosting Countries 07 Feature Article 16

Overview 16

Part 2: Consumer Fraud Trends 08 2020: The Year of Brand Abuse 17

Transaction and Fraud Transaction Distribution by Channel 09

Average Credit Card Transaction and Fraud Transaction Values 10

Device Age vs. Account Age 11

Compromised Credit Cards Discovered/Recovered by Outseer 12

Outseer Fraud & Payments Report: Q1 2021 2

 Outseer-Observed Fraud Attack and Consumer Trends
Throughout 2020 Outseer observed several global fraud trends
across attack vectors and digital channels. The highlights include:

Executive Summary
• In 2020 Outseer identified over 195,000 global cyber attacks
• Cybercriminals exploiting the pandemic made Brand Abuse attacks the
The Outseer
fastest growingFraud & Payments
attack vector this Report presents
year, almost an analysis
doubling from 14%ofinfraud
2019
to 27% of
attack allconsumer
and attacks in 2020
fraud(See
dataFeature Article:
collected 2020
by the - The Year
Outseer teamof in
Brand
the
Abuse)
course of work identifying threats for Outseer customers. As such, it
• Phishingaattacks
provides glimpsecontinued
into theto be the
cyber predominant
fraud attack
landscape for vector, representing
consumer-facing
42% of all attacks;
organizations of all sizes and types.
• South Africa experienced the highest attack rate increase of phishing
attacks in 2020 (35%)
• The United States was the top hosting country for phishing attacks, with 74%
of attacks originating there

Executive Summary
The Outseer Fraud & Payments Report presents an analysis of fraud attack
and consumer fraud data collected by the Outseer team in the course
of work identifying threats for Outseer customers. As such, it provides a
glimpse into the cyber fraud landscape for consumer-facing organizations
of all sizes and types.
• The volume of 3DS eCommerce transactions analyzed by Outseer increased
by 73% in 2020 from the previous year
• The number of fraudulent payment transactions increased by 8%; the value
of fraudulent chargeback transactions increased by 94% YTY
• The portion of mobile vs web transactions increased by 43% in Q4 compared
to the same quarter last year
• The share of 3DS 2.x transactions increased dramatically across all
geographies, especially in Americas where it grew from 1% in Q1 to 26% in
Q4. Support for mobile apps in 3DS 2.x is fueling increased adoption of the
protocol to authenticate transactions in this fast-growing area.

Outseer Fraud & Payments Report: Q1 2021 3

 Part 1 Fraud Attack Trends: Overview
Phishing and malware-based attacks are the most prolific online fraud
tactics developed over the past decade. Phishing attacks not only enable
online financial fraud, but these sneaky threats also chip away at our sense
of security as they get better at mimicking legitimate links, messages,
accounts, individuals and websites. Similarly, Brand Abuse attacks and
rogue mobile apps are designed to deceive by mimicking legitimate branded
websites and apps. Automated fraud comes in the form of the various active
banking Trojan horse malware families in the wild today; these malicious
programs do their work quietly and often without detection until it is too late.
By tracking and reporting the volume and regional distribution of these
fraud threats, Outseer hopes to contribute to the ongoing work of making
consumers and organizations more aware of the current state of cybercrime
and fueling the conveOutseertion about combating it more effectively.

Outseer Fraud & Payments Report: Q1 2021 4

Fraud Attack Trends: Overview
Fraud Attack Type Distribution
Outseer identified over 195 thousand attacks worldwide in 2020.
Phishing attacks continued to represent the highest percentage
of these attacks (42%). For the first time since Outseer started
publishing this report in 2017, Brand Abuse attacks nearly doubled,
spiking to 27% of all attacks. As detailed in this report’s feature
article, this is a direct result of the increased use of digital platforms
like social media sites, web and cloud-based collaboration tools
utilized by organizations during the pandemic – all fertile hunting
ground for fraudsters. As digital transformation continues to
accelerate, Brand Abuse will likely grow in tandem. In fact, nearly 18
Fraud Attack Glossary
thousand Brand Abuse attacks were identified in Q4 2020, the highest Brand Abuse
number of any quarter since 2017. Rogue mobile apps followed, at 23% of Online content, such as social media, that misuses an organization’s
all attacks identified. Although the number of rogue mobile apps in 2020 brand with the purpose of misleading users.
represents a decrease from the previous year, it is important to note that
they represented a third of all attacks in the latter quarters of the year, as Phishing
use of mobile apps also spiked. At 8%, Trojan attacks dropped from 12% Cyber attacks attempting to steal personal information from
in 2019, as criminals clearly shifted strategies to Brand Abuse. unwitting end-users under false pretenses either by email, phone call
(vishing) or SMS text (smishing).
Rogue Mobile Apps
Mobile applications using an organization’s brand without
permission.

Trojan Horse
Stealthy malware installed under false pretenses, attempting to
stealth personal user information.

27% 23%
Brand Abuse Rogue Mobile
Apps

51,762
BRAND ABUSE ATTACKS
8% WERE DETECTED IN 2020,
Trojan Horse 40% INCREASE THAN 2019
42%
Phishing

Outseer Fraud & Payments Report: Q1 2021 5

Fraud Attack Trends: Overview
Top Phishing Target Countries
Serbia
NETHERLANDS Romania

5% Slovakia
Sweden
Finland

Iceland
Denmark
CANADA
62% United Kingdom
Russian Federation

EMEA
IRELAND
1% TURKEY

NORTH
Poland

Belgium
Germany 1%
AMERICA
Luxembourg Ukraine
France Kazakhstan
SPAIN Switzerland

5%
APAC
INDIA Republic of Korea
CHINA
5% 2%
Gibraltar Lebanon
UNITED STATES Italy Greece Israel

7%
Czech Republic
Bermuda Qatar Japan
Austria
Macau
Cyprus
Haiti Taiwan
Saudia Hong Kong
MEXICO Dominican Republic Slovenia Arabia Myanmar
Puerto Rico
PHILIPPINES
1% Jamaica Barbados
Trinidad and Tobago

Venezuela Nigeria
Kuwait Bangladesh
Vietnam
Philippines
3%
ALL OTHERS United Arab Emirates Thailand Brunei Darussalam

1%
Colombia
Singapore

LATAM
PERU Brazil Pacific Ocean
1%
Indonesia
Peru Mozambique

Bolivia Atlantic Ocean

Pacific Ocean AUSTRALIA Australia
CHILE 1%
Phishing Targets 1% Chile

Argentina SOUTH AFRICA

Although representing only 5% of phishing attacks, at 35% year-to-year
5%
New Zealand

growth, South Africa had the highest increase of phishing attacks, with
the highest number in Q4. This increase may well be related to the large
breach announced by Experian in August 2020, affecting 24 million South
Africans and almost 800 local businesses.1 At 7%, the United States was
second in line in 2020, replacing Spain. Spain, Netherlands, India and
South Africa each had 5% of all phishing attacks in 2020. Chile, Australia,
Peru and Ireland joined the list in 2020.

Outseer Fraud & Payments Report: Q1 2021 6

Fraud Attack Trends: Overview
Top Phishing Hosting Countries

Hosting Countries

1 United States 6 Malaysia

2 China 7 Canada

3 Germany 8 France

4 India 9 Hong Kong

5 Russia 10 United Kingdom

Phishing Hosts
As it has since 2017, when Outseer started publishing this report, the United States continues to be the top hosting country for phishing
attacks, accounting for 74% of ISPs hosting these types of attacks. This is largely attributable to a handful of large-scale hosting
authorities, whose sheer magnitude makes it easy for fraudulent activity to go undetected. China, consistently hosting under 2% of
phishing attacks since 2017, increased to 7% in 2020. For most of the other countries in the top ten, the percentage for hosting phishing
attacks is in the low single digits.

Outseer Fraud & Payments Report: Q1 2021 7

 Part 2 Consumer Fraud Trends
The Outseer team analyzes consumer fraud data
and informs the security and risk management
decisions for major organizations while serving
the public interest by identifying, preventing
and reducing financial cyber fraud attacks on
consumers. Observing consumer fraud trends
over time can support decision-makers on how
to build or refine their digital risk management
strategy across customer-facing digital channels.
These data points are intended to broadly
frame the current consumer fraud atmosphere
and identify relevant trends by tracking broad
indicators of online fraud across both financial and
e-commerce focus areas.

Outseer Fraud & Payments Report: Q1 2021 8

Consumer Fraud Trends: 2020 in Review
Transaction Distribution by Channel Fraud Transaction Distribution by Channel
36% 39% 40% 37% 21%
34% 34% 35% 34% 34% 35% 34% 15% 28% 28% 29% 30% 68% 29% 16% 18% 13% 26% 26% 43% 44%

27% 20%
59% 46% 43%
21% 21% 21% 21% 22% 21% 21% 35% 32% 26%
25% 26% 27% 33% 24% 13%
31% 36% 49% 43%

45% 45% 44% 45% 44% 44% 45% 50% 47% 45% 44% 37%
8%
32% 35% 29% 27% 30%
28% 57% 62% 28% 28% 31% 33% 43%
24%

2017 2018 2018 2018 2018 2019 2019 2019 2019 2020 2020 2020 2020 2017 2018 2018 2018 2018 2019 2019 2019 2019 2020 2020 2020 2020
Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Web Mobile Browser Mobile App Web Mobile Browser Mobile App

Source: Outseer, Q4 2017 - Q4 2020

Source: Outseer, Q4 2017 - Q4 2020

Transaction Method Fraud Transaction Method

2020 saw several changes in transaction behaviors as the pandemic forced many to work from home and
altered the way businesses and users interact. Continuing the upward trend observed throughout the year,
in the fourth quarter mobile browsers and mobile applications accounted for 76% of overall transactions
observed by Outseer, reflecting a 21% increase from the previous quarter. Clearly the pandemic drove
wider deployment of mobile applications and growth in mobile transactions.*
The share of fraud originating in the mobile channel continued to decrease in Q4 2020. The distribution
of fraud within the mobile channel, however, shifted throughout 2020. For example, in Q4 the portion of
fraud from mobile apps more than tripled relative to the same quarter in 2019. This shift corresponds
with wider deployment and use of mobile apps – and the response from fraudsters who quickly adapt
and follow the money.*

44 % of fraud occurred in mobile apps

The distribution of fraud from the mobile channel shifted; the
portion of fraud in mobile apps increased to 44% in Q4 from 13%
in the same quarter the previous year.
*Outseer modified its data collection process in Q4; future reports will closely monitor results to understand the impact
on previous results as well as trends going forward.

*Outseer modified its data collection process in Q4; future reports will closely monitor results to understand the impact
on previous results as well as trends going forward.
Outseer Fraud & Payments Report: Q1 2021 9
Consumer Fraud Trends: Q4 2020
Average Credit Card Transaction and Fraud Transaction Values
(E-Commerce, by Region)

$385

In Q4 2020 the greatest average fraud transaction value was $385

$277 (Australia/New Zealand), which is 39% higher than the next nearest
amount of $277 (EU) and more than double the smallest average fraud
transaction value of $185 (Americas).
$185 $187

$163 Americas had the smallest difference between the value of genuine and fraudulent
credit-card transactions. The average fraud transaction value was slightly over 2x that
of genuine transactions in EU; it was 2.6 times in Australia/New Zealand. It is worth
$149 noting that although genuine transaction values overall did not change significantly
$141
$135 over the year in any of the geographies, the average fraud transaction value was more
than double the value of genuine transaction in EU and Australia during all of 2020.

The average value of fraudulent payment transactions in the mobile channel increased
significantly throughout 2020; in fact, in 4Q 2020 it was over 4x the average value in 4Q
2019, increasing from $480
to $1,981.

EUROPEAN AMERICAS UK AUSTRALIA/

UNION NEW ZEALAND

Transaction Value Fraud Transaction Value

Source: Outseer, October 2020-December 2020

Outseer Fraud & Payments Report: Q1 2021 10

Consumer Fraud Trends: Q4 2020
Device Age vs. Account Age
Analysis

“Device Age” refers to how long the Outseer Fraud Platform has “known”
E-COMMERCE PAYMENT ONLINE BANKING LOGIN ONLINE BANKING PAYMENT
or “trusted” a given device (laptop, smartphone, etc.). “Account Age” refers
to how long the Outseer Fraud Platform has “known” or “trusted” a given
account (login, etc.). This data demonstrates the importance of accurate
device identification to minimize false positives and customer friction
during a login or transaction event.
67.2%
37.0
64.9% 65.6%
E-Commerce
56.7%
In Q4 2020 67% of fraud transaction value originated from a new device but 49.5% 12.0
49.2%
trusted account. After a 10% increase in Q3, this reflects a small but upward
change from the previous quarter, continuing the trend of account takeover 35.7%
activity being a preferred attack vector.

Online Banking: Login

Fraud from logins from new devices or new accounts was down 3.8
14%
significantly in 4Q; this was a reveOutseerl from all other quarters 19.5
11.7% 11.4%
4.1
12.6%

throughout the year when it accounted for 27 – 33% of fraudulent 10.7%

transaction values. While 11% of logins were accessed from a combination 4.7%
4.8
of a new device but trusted account in Q4, they resulted in 66% of fraud 2.5
1.5% .3% 32.0
0.4% .6% 0.4% 32.0
.1% 1.4%
transaction values, a sharp increase from previous quarters. While this
New Account/ Trusted Account/ Trusted Account/ New Account/ Trusted Account/ Trusted Account/ New Account/ Trusted Account/ Trusted Account/
could be a result of increased account takeover, these deviations will be New Device Trusted Device New Device New Device Trusted Device New Device New Device Trusted Device New Device
tracked in future reports to validate possible trends and causes.

Online Banking: Payment % of transaction volume % of fraud value

Total payment transactions from trusted devices with trusted accounts
NEW ACCOUNT: Account Age < 1D NEW DEVICE: Account-Device Age < 1D
decreased to 57% in Q4, a 33% drop from all previous quarters in 2020. TRUSTED ACCOUNT: Account Age >= 90D TRUSTED DEVICE: Account-Device Age >= 90D
However, the corresponding percentage of fraud volume more than doubled
in Q4. Payment transaction volume from new devices on trusted accounts
Source: Outseer, October 2020-December 2020
more than tripled in Q4; and the percentage of fraud volume also rose, but
at a smaller 40% rate. While this could be a result of increased account
takeover, these deviations will be tracked in future reports to validate
possible trends and causes.

Outseer Fraud & Payments Report: Q1 2021 11

Consumer Fraud Trends: Q4 2020
Compromised
5,000,000 Credit Cards Discovered/Recovered by Outseer

4,000,000
Analysis
In 2020 Outseer recovered over 23 million unique
compromised cards and card previews from
3,000,000 online credit card stores and fraud communication
channels, with 4,341,559 in 4Q alone. Outseer™
FraudAction service collects CVV2-related
data, which is card data compromised through
cyber attacks targeting online transactions or
2,000,000
e-commerce. This type of compromised card
1,843,693 data can be used for a variety of fraudulent
1,601,044 activities, including “carding,” which refers to using
compromised cards to buy goods both in physical
1,000,000 stores and on e-commerce websites.

896,822

0
OCTOBER NOVEMBER DECEMBER

Source: Outseer FraudAction, October 2020-December 2020

Outseer Fraud & Payments Report: Q1 2021 12

 Added CNP Trends

Bonus As an added bonus for this quarterly report, this

section includes trends in 3DS Card Not Present
(CNP) transactions as observed by the Outseer Team.
Adoption of EMV 3DS v2.x by merchants and card
issuers can help increase transaction approval rates
while keeping fraud losses and chargebacks low.

Outseer Fraud & Payments Report: Q1 2021 13

3DS CNP Trends
EMV 3DS v2.x Mobile App Transaction Trend
The disruptions of global pandemic drove adoption of mobile apps, as the benefits of customer
convenience and engagement became apparent to businesses and consumers alike. Share of 3DS
transactions made though mobile apps are clearly following this trend and are expected to continue
to grow throughout the new year.

Transaction Volume per Device – EMV 3DS v2.x

Browsers App

94% 94%
100%
82%
80%

75%

50%

20% 18%
25%
6% 7%

0%
March 2020 September 2020 January 2021 February 2021

Source: Outseer, March 2020-February 2021

Outseer Fraud & Payments Report: Q1 2021 14

3DS CNP Trends
Global 3DS v2.x Transaction Volumes
Trend
With the added support for mobile apps in the 3DS 2.x standard, EMV 3DS v2.x by Geo (% of Total 3DS Transactions)
organizations increasingly leverage these capabilities to confront
fraudsters’ interest in the growing mobile app channel. This is 30%
evident by the increasingly larger portion of transactions that are
26%
3DS 2.x transactions detected by Outseer across all geographies. A
doubling of transactions in Europe, with regulation and enforcement 25%
deadlines for PSD2 and SCA, was expected. However 3DS adoption
in the Americas, which had lagged, grew from less than 1% in Q1 to
26% in Q4!
20%
16%

14%
15%

26
10%

%
9%
10%
7%
6%
4%
of Americas’ 3DS 4%
5%
3%
transactions were 3DS v2.x
transactions in Q4, up from 1% 0%
1% in Q1. 0%

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Americas ANZ EUR

Source: Outseer, January 2020-December 2020

Outseer Fraud & Payments Report: Q1 2021 15

Feature Article
2020: The Year of Brand Abuse
Overview
2020 will be remembered as the year when how we do nearly
everything changed; from the way we work, educate, exercise and
socialize to how we shop, what we buy and even where we bank. In
fact, total eCommerce sales in 2020 jumped 32% over the previous
year2. Businesses also transformed throughout 2020, accelerating
their digital transformations through broader use of digital platforms
such as social media, web and cloud-based collaboration tools to
better engage with employees, customers, and partners alike. Always
looking to exploit new attack vectors and vulnerabilities, fraudsters
also adapted their targets and methods throughout the year. They
embraced the same digital platforms to attack businesses, their VIPs,
and their customers – as well as to collaborate and trade amongst
Outseer Fraud & Payments Report: Q1 2021
themselves. In fact, 2020 might also be remembered as the year Hovering at 14-16% of total
that Brand Abuse became a major attack vector. Fraudsters flocked
to perpetrating Brand Abuse on the web, in mobile channels, on attacks since 2017, Brand
social media platforms and via email, voicemail and text messages
at unprecedented rates. A prominent example of Brand Abuse
Abuse detected by Outseer
nearly doubled
involved cybercriminals hacking into a verified Twitter account and
made to look like Elon Musk’s account. The tweet encouraged users
to deposit bitcoin to a fraudulent account. Within hours of being
posted, the bogus tweet led to the collection of more than $150,000
worth of bitcoin.3 in 2020 as it exceeded more than a quarter
of all attacks.
16
What is Brand Abuse
Brand Abuse refers to the phony/misleading websites and
social media accounts that cybercriminals set up to mimic a
legitimate company’s brand in order to trick consumers into
authorizing money transfers or share account credentials
and other data. It also refers to impersonating top executives
at any organization for fraudulent purposes.

Brand Abuse % Business Email Compromise cost organizations over

$1.7 billion
30%

27%
25%

20%
16% 16%
in 2019 alone4, with senior executive impersonations
15%

14%
at 150 companies in just 5 months5.
10%

5%

The negative impact and cost of Brand Abuse can be very high. Damage to company reputations can
0%
2017 2018 2019 2020 destroy customer trust, which can negatively impact performance. It takes years to build brand value
and customer loyalty, which can be lost in a matter of days. In addition, the disruptions of managing a
brand crisis can overwhelm legal, communications, marketing and support functions.

Another type of Brand Abuse is VIP impersonation which often leads to Business Email Compromise
(BEC), where fraudsters impersonate a VIP’s email credentials to trick a victim into sending money.
In many of these cases, criminals create fake email server domains and social media profiles to
convince victims of the validity of the request.

Hovering at 14-16% of total attacks since 2017, Brand Abuse detected

by Outseer nearly doubled in 2020, exceeding more than a quarter of all
attacks.

Outseer Fraud & Payments Report: Q1 2021 17

Traditional Brand Abuse Attack Vectors
Criminals continue to use innovative phishing techniques including smishing, vishing and reverse
vishing to target customers, employees and partners – and often use this technique to gather
critical data for use in subsequent attacks. Outseer took down over
80 thousand phishing attacks in 2020.
Recommendations for Brand Abuse Protection:
Closely Monitor Social Media
a. Social media is used profusely by criminals to impersonate organizations as well as their
VIPs. Monitor social media platforms for accounts that are improperly or fraudelently using
your company’s brand or impersonating your VIPs. Use automated tools as well as human
intelligence to properly cover this large surface area.

b. Social media is also used to sell stolen credentials, IP, PII as well as other assets such
as stolen credit cards. Keep an eye on fraud forums to ensure your company’s data isn’t
Phishing Atttacks 2020 compromised.

c. Employees can inadvertently put your brand at risk. Monitor employee use of social media
27,054 to make sure employees’ posts aren’t creating legal, reputation or compliance risks for your
organization.
20,373 20,089
Monitor Authorized and Unauthorized Mobile App Stores
14,672 4%
a. Fake apps masquerading in your company’s brand can swindle your customers and steal
credentials and personal information. Monitor authorized and unauthorized app stores
and work with app stores to ensure your organization is part of their vetting process when
onboarding new apps involving your brand.
Q1 Q2 Q3 Q4

b. Be on the lookout for apps from 3rd party stores, where app validation processes may be
lacking.

c. It is important to quickly identify false or copied apps, as well as those infected with
malware. Use automated tools or services to detect any apps using your name.

Rogue and Fake Mobile Apps and Impact on Your Brand

Rogue Mobile Apps, which can also be used to tarnish an organization’s brand, have represented
1/4 – 1/3 of all attacks in the last 2 years. They are used to gain access to user credentials, credit
card data stored in the user’s mobile device, as well as to compromise and hijack legitimate apps.
They can also be used to impersonate an organization and communicate with its customers
to swindle them into purchasing fake products and gain personal information – resulting in a
customer satisfaction nightmare.

Outseer Fraud & Payments Report: Q1 2021 18

3. D
 on’t let up on traditional phishing and website spoofing detection and Conclusion
takedown
Online Brand Abuse nearly doubled in 2020 as organizations significantly
a. Criminals continue to use innovate phishing techniques including smishing, vishing and
reverse vishing to target customers, employees and partners – and often use this technique increased their online presence, and fraudsters followed. The financial impact
to gather critical data to enable other more sophisticated attacks. Outseer took down over of Brand Abuse, which includes brand and VIP impersonation as well as rogue
80 thousand phishing attacks in 2020, confirming that phishing in all its forms continues to mobile apps, is high. It can tarnish an organization’s reputation causing loss of
be a major attack vector. Evaluate your current phishing detection and takedown capabilities
customer loyalty and lost revenue. In addition, resources required to mitigate
and continue to keep up with the new phishing methods used by criminals.
a brand crisis and the disruptions imposed on all business functions can be
b. Request alerts from registrars and DNS services about domain or subdomain registrations
exorbitant and overwhelming. Fraud, risk, and security leaders must extend
similar
to yours; this is a clear warning about potential spoofing. their security and fraud strategies to account for threats targeting their likeness,
further protecting the business from reputation, revenue, fraud and compliance
4. Be prepared to quickly take down any fraudulent activity risk. The scope of these attack surfaces include deep and dark web, social media,
a. To mitigate the impact on your organization’s brand and bottom line, initiate takedown of mobile app stores, and email.
fraudulent
activity as soon as you detect and verify it.

b. Develop and test takedown processes so they are ready to deploy when needed. Consider
partnering with a proven takedown service that has established processes and partnerships
to swiftly take down
the malicious apps.

Outseer Fraud & Payments Report: Q1 2021 19

About Outseer
Outseer empowers the digital economy to grow by authenticating billions
of transactions annually. Our payment and account monitoring solutions
increase revenue and reduce customer friction for card issuing banks,
payment processors, and merchants worldwide. Leveraging 20 billion annual
transactions from 6,000 global institutions contributing to the Outseer
Global Data Network, our identity-based science delivers the highest fraud
detection rates and lowest customer intervention in the industry. outseer.com/
fraudprevention

1 South African Risk Business Center (SABRIC)
2 https://www.businessinsider.com/ecommerce-helped-retail-2020-consumers-adopted-online-shopping-2021-2
3 https://qz.com/1451226/a-twitter-account-impersonating-elon-musk-collected-over-150000/)
4 The Federal Bureau of Investigation (FBI) has released the Internet Crime Complaint Center (IC3) “2019 Internet Crime Report.”
5 BEC gone Wild”, Forbes, September 2020
©2021 RSA Security LLC or its affiliates. All rights reserved. RSA and the RSA logo are registered
trademarks or trademarks of RSA Security LLC or its affiliates in the United States and other
countries. All other trademarks are the property of their respective owners. RSA believes the
information in this document is accurate. The information is subject to change without notice.
Published in the USA. 3/21 W444280

20