YouGov：2024年新西兰金融诈骗频率、应对策略及解决方案分析报告（英文版）（15页）.pdf

1、Frequency,tactics,and solutions for financial scams in New ZealandN ZLiving consumer intelligence| scams in New ZealandNearly$200 million.Thats the staggering amount New Zealanders lost to financial scams in just one year,revealing a pervasive and costly problem lurking beneath the countrys idyllic

2、image.The digital age has ushered in a new era of financial crime,with scammers constantly morphing their tactics to exploit the trust and tech-savviness of New Zealanders.This study is conducted in New Zealand using YouGov Surveys and it delves into the intricate web of financial scams targeting Ki

3、wis,exposing their tactics,vulnerabilities,and potential solutions.https:/ scams in New ZealandHalf(51%)of Kiwis say they receive scam texts,emails,or calls at least once a week,including nearly a quarter(23%)who claim to receive them on a daily basis.The frequency increases along with age group,alm

4、ost 6 in 10 of Kiwis aged 35-49 and 50-64 receive daily/weekly scam calls,text and emails(57%and 56%),whereas less than 4 in 10 of Kiwis aged 18-24 receive daily/weekly scam calls(37%).Frequency of receiving scam calls,text,emailsDailyMonthly/every few months51%34%Financial scams in New Zealand4The

5、statistics reveal a concerning trend in New Zealand,with a staggering 56%of Kiwis admitting to falling victim to scams.Among the most common scams are online shopping/classified frauds(22%),bank/card phishing schemes(20%),and social media phishing scams(15%).The impact is not only widespread but fin

6、ancially detrimental,as half of those affected(51%)admit to losing money due to scams,either personally(20%)or through friends and familymembers(35%).Most common scams that Kiwis have fallen victim to include:22%20%15%10%9%8%7%7%6%4%6%0%5%10%15%20%25%Online shopping/classified scams(fake/inauthentic

7、 goods,items neverBank/Card phishing scams(fake messages toprovide bank/card details and pin numbers)Social Media phishing scams(fake messagesthat,once clicked,lead to accounts beingLottery/Sweepstakes/competition scams(fake rewards or prize money)Dating/romance scams(fake relationshipoffers)Investm

8、ent scams(fake returns on shares,real estate,crypto,or currency trading)Government phishing scams(fake messagesto provide NRIC or passport details)Job and employment scams(fake job offers)Charity scams(fake welfare organizations)Loan scams(fake monetary loans)OthersThis underscores the critical need

9、 for increased awareness,education,and protective measures to safeguard individuals from the diverse array of scams that continue to exploit unsuspecting victims in the digital age.Online shopping/classified scams(fake/inauthentic goods,items never delivered)Bank/Card phishing scams(fake messages to

10、 provide bank/card details and pin numbers)Social Media phishing scams(fake messages that,once clicked,lead to accounts being taken over)Lottery/Sweepstakes/competition scams(fake rewards or prize money)Dating/romance scams(fake relationship offers)Investment scams(fake returns on shares,real estate

11、,crypto,or currency trading)Government phishing scams(fake messages to provide NRIC or passport details)Job and employment scams(fake job offers)Charity scams(fake welfare organizations)Loan scams(fake monetary loans)OthersFinancial scams in New Zealand5Nearly all(96%)Kiwis have taken measures to pr

12、otect themselves from scams.The most common measures include never sharing personal details or financial information with just anyone(67%),followed by ignoring or blocking unknown emails and phone numbers(64%),never transferring money to anyone theyve not met/received a purchase from(59%),and checki

13、ng and verifying suspicious emails/numbers/websites(58%).Measures to protect from scam Interestingly,those who have been victims of scams are less likely than those who have not been victims to take multiple measures,including ignoring/blocking unknown emails and phone numbers(59%compared to 71%),ch

14、ecking and verifying suspicious emails/numbers/websites(53%compared to 66%),and never sharing personal details or financial information with just anyone(61%compared to 74%).Download anti-scam apps/software(e.g.Telstra scam filter)Download antivirus/anti-malware software(e.g.Avast,AVG,Kaspersky,Looko

15、ut,McAfee,Norton360,TrendMicro)Avoid downloading software&mobile apps from unofficial sourcesAvoid shopping online(only shop from physical stores)Only shopping online from official retailers(avoid private resellers on e-commerce platforms)Ignore/Block unknown emails and phone numbersCheck and verify

16、 suspicious emails/numbers/websitesNever transfer money to anyone Ive not met/received purchase from21%46%53%14%46%64%58%67%59%Never share personal details or financial information with just anyonehttps:/ networks used last monthNet:EverNet:Always/most of the timeNet:rarely/occationallyClick on a li

17、nk/download an attachment when you are uncertain of who the sender is44%10%34%Answer a call from a numberyou dont recognise76%21%55%Open an email from anunknown sender66%12%54%Check emails you receive for spelling and grammar mistakes89%59%30%When you are unsure,check the authenticity of emails or m

18、essages you get directly with the sender88%58%31%6Financial scams in New ZealandWhen it comes to online security awareness among Kiwis,around nine in ten say they check emails they receive for spelling and grammar mistakes(89%)and check the authenticity of emails or messages they get directly with t

19、he sender when they are unsure(88%).However,three in four(76%)Kiwis have answered a call from a number they dont recognize,while two-thirds(66%)have opened an email from an unknown sender.Worryingly,over two-fifths(44%)of Kiwis admit that theyve clicked on a link/downloaded an attachment when they a

20、re uncertain of who the sender is,including 4%(or approximately 147k adults)who say they always do this and 6%(or approximately 243k adults)who do this most of the time.Online security awareness7Financial scams in New ZealandOver two-fifths(44%)of Kiwis believe banks should take full responsibility

21、and reimburse the victim,while nearly two-fifths(37%)say banks should share the loss and partially reimburse the victim.Only 6%believe that banks should not share the loss at all,while 13%are unsure.Banks responsibility Banks responsibility44%They should take full responsibility and reimburse the vi

22、ctim37%They should share the loss and partially reimburse the victim6%They should not share the loss at all8Financial scams in New ZealandKiwis also believe that while banks/financial providers(92%)and the Government(88%)should be doingmore to prevent fraudulent transactions on customers/consumersfi

23、nancial accounts.However,consumers also say they should educate themselves to be better equipped to prevent fraudulent transactions on their financial accounts(93%).Opinions on fraud prevention Banks and financial providers should be doing more to prevent fraudulent transactions on their customers a

24、ccounts92892%The Government should be doing more to prevent fraudulent transactions on consumersfinancial accounts881288%93793%Consumers should be doing more to educate themselves to be better equipped to prevent fraudulent transactions on their financial accountsFinancial scams in New Zealand9Respo

25、nsible for financial education 21%30%11%30%11%Educational institutions(schools and colleges/universities)30%Consumers themselves through reading relevant information or seeking out education opportunities21%Government or public sector agencies/organisations30%Banks andfinancial providers34%21%26%12%

26、25%37%20%41%Online courses/webinars/workshopsIn-person courses/seminars/workshopsInteractive apps or toolsBooks and e-booksOne-on-one financial advice/coaching/counsellingWritten content(e.g.articles)online/on socialmediaAudio content(e.g.podcasts)online/on socialmediaVideo content(e.g.YouTube video

27、s)online/on social mediaFinancial scams in New Zealand10When it comes to financial education,New Zealanders are craving engaging and diverse formats,with online offerings and even personalized coaching topping the charts.From bite-sized video tutorials to interactive workshops to personalized coachi

28、ng sessions,financial educators have a unique opportunity to tailor their offerings to meet the diverse needs and learning styles of Kiwis.By embracing this demand for engagement and empowerment,we can weave a stronger safety net for financial well-being,ensuring that every Kiwi has the tools and kn

29、owledge to navigate the ever-evolving world of money.Most common scams that Kiwis have fallen victim toOnline courses/webinars/workshopsIn-person courses/seminars/workshopsInteractive apps or toolsBooks and e-bookOne-on-one financial advice/coaching/counsellingWritten content(e.g.articles)online/on

30、social mediaAudio content(e.g.podcast)online/on social mediaVideo content(e.g.YouTube videos)online/on social media11Financial scams in New ZealandKey insights and conclusion 1.Alarming scam impact:The high prevalence of scams(56%)and the variety of tactics employed by scammers,ranging from online s

31、hopping fraud to phishing schemes,highlight the need for a robust defense against evolving cyber threats.2.Protective measures and knowledge gap:While a significant majority(96%)of Kiwis have taken measures to protect themselves from scams,the data reveals a potential knowledge gap among those who h

32、ave fallen victim to scams.The lower likelihood of victims taking multiple protective measures suggests the importance of enhanced education to empower individuals with a more comprehensive understanding of onlinesecurity practices.3.Diverse learning preferences:The preference for diverse learning f

33、ormats in financial education,with a strong inclination toward online courses,webinars,and workshops(34%),along with a notable interest in personalized coaching(25%),emphasizes the need for engaging and adaptable educational approaches.Recognizing the demand for interactive tools and digital content

34、,including video tutorials(41%)and written content(37%),can guide the development of effective financial literacy programs.4.Call for collaborative responsibility:The majority of Kiwis believe in a shared responsibility for fraud prevention.While banks and financial providers(92%)and the government(

35、88%)are expected to do more to prevent fraudulent transactions,there is also a call for consumers(93%)to actively educate themselves.This shared responsibility approach suggests the importance of collaborative efforts between institutions,educators,and individuals to create a more resilient defense

36、against financial scams.4 Key Insights:4 Key Insights:12Financial scams in New ZealandKey insights and conclusion Increased awareness and education campaigns using engaging formats preferred by Kiwis.Enhanced security measures by banks and financial institutions.Shared responsibility among individua

37、ls,government agencies,and financial providers to prevent and mitigate the impact of scams.By addressing these key insights,New Zealand can build a stronger and more resilient financial ecosystem for its citizens.Financial scams pose a significant threat to New Zealanders,Financial scams pose a sign

38、ificant threat to New Zealanders,requiring a multirequiring a multi-pronged approach to combat them.This includes:pronged approach to combat them.This includes:https:/ scams in New Zealand14MethodologyAll figures,unless otherwise stated,are from YouGov Plc.This study was conducted online between 5th

39、 9th January 2024.The sample comprised of a nationally representative sample of 1,023 New Zealand adults aged 18 years and older.Following the completion of interviewing,the data was weighted by age,gender and region to reflect the latest population estimates.YouGov,2024,all rights reserved.All mate

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