500,000
Total transactions
7,500
Fraud cases detected
1.50%
Overall fraud rate
$72.6M
Total transaction value
$1.09M
Total fraud value
89,644
Unique customers
8,999
Unique merchants
$145.10
Avg fraud transaction
Key finding: Fraud is perfectly channel-agnostic — ATM, Online and POS all register exactly 1.50%. This indicates a sophisticated, distributed attack operating across all channels simultaneously rather than exploiting a single vulnerability.
Monthly fraud trend — count & rate (Jan 2024 – Sep 2025)
Monthly fraud countFraud rate %
Quarterly fraud volume — 2024 Q1 to 2025 Q3
Fraud vs legitimate transaction value
Fraud ($1.09M — 1.5%)Legitimate ($71.5M — 98.5%)
Germany
Highest fraud rate — 1.596%
Canada
Lowest fraud rate — 1.416%
12.7%
Relative gap — Germany vs Canada
Germany Platinum
Highest risk combo — 1.712%
Fraud rate by country (%)
Total fraud cases by country
Fraud value by country ($)
Top 10 riskiest country + card type combinations
05:00
Peak fraud hour — 1.674%
Wednesday
Highest fraud day — 1.557%
2.04%
Fraud rate — $1,000+ transactions
Monday
Lowest fraud day — 1.435%
Fraud rate heatmap by hour of day — 24-hour view
Midnight06:00Noon18:0023:00
Lower risk
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Higher risk
Fraud rate by day of week (%)
Fraud rate by transaction amount bucket
Counter-intuitive finding: Chip + PIN transactions show a 1.588% fraud rate — the highest of all security combinations, higher than no chip/no PIN at 1.505%. This strongly suggests card-present skimming at chip terminals, not card-not-present fraud. A critical finding for fraud prevention strategy.
1.588%
Chip + PIN fraud rate
Counterintuitively the highest security combo
1.505%
No chip + no PIN rate
Most common — 56% of all transactions
1.531%
Terminal device rate
Highest across all device types
1.440%
Web device rate
Lowest across all device types
1.530%
Credit card rate
Highest across card types
1.311%
20km+ distance rate
Further from home = lower fraud rate
Fraud rate by security feature combination (%)
Fraud rate by device type (%)
Fraud rate by card type (%)
Fraud rate by transaction type
Fraud rate by distance from home
Travel
Highest fraud rate category — 1.558%
Clothing
Lowest fraud rate category — 1.434%
9.84%
Top single merchant fraud rate
Groceries ATM
Highest category + channel — 1.747%
Fraud rate by merchant category (%)
Total fraud value by merchant category ($)
Category x transaction type fraud rate heatmap — colour intensity = risk level