New Zealand
New Zealand New Zealand
Consumers make most of their payments by internet banking
  • 74%
  • 70.5%
  • 54.5%
  • 46.5%
  • 39.6%
  • 40.7%
  • A higher percentage make payments via internet banking to banks and insurance companies, telcos, and retailers, respectively, compared to the regional average
  • Impact: Anti-fraud capabilities critical to the increased digital transaction frequency and customers’ trust in banks
Australia Australia
Consumers are most satisfied with the post-fraud service of banks and insurances companies
  • More than 70% satisfaction rate compared to 59.7% on average
  • Impact: Increased trust in BFSIs
Indonesia Indonesia
Consumers that encountered most fraud incidents in the past 12 months

AP Average

  • 49.8% have experienced fraud at least once compared to 34.7% on average
  • Impact: Overall anti-fraud capabilities need improvement
Singapore Singapore
Consumers have the highest trust towards government
AP Average
  • 75.5% choose government agencies, compared with 51.7% on average
  • Impact: Trust of personal data protection is centered around government agencies
Vietnam Vietnam
Consumers encountered most fraud incidents in retail and telco during the past 12 months
  • 55%
  • 54.5%
  • 32.8%
  • 35.2%
  • 55% and 54.5% have experienced fraud at least once in retail and telco, respectively, compared to 32.8% and 35.2% on average
  • Impact: Overall anti-fraud capabilities need improvement
Thailand Thailand
Most Thai consumers believe speed and resolution are severely lacking (response/ detection speed toward fraud incidents)
AP Average
  • 60.5% think it is most important, compared to 47.7% on average
  • Impact: Response time as one of key factors to fraud management to retain customers and gain their trust
India India as standalone
Consumers have the largest number of shopping app accounts in the region
  • Average of three accounts per person
  • Impact: Highest exposure to online fraud
Hong Kong
Hong Kong Hong Kong
The least percentage of consumers with high satisfaction level toward banks and insurance companies’ fraud management
AP Average
  • Only 9.7% are most satisfied compared to 21.1% on average
  • Impact: effective response towards fraud incidents to be improved
China China
Consumers are the most tolerant toward submitting and sharing of personal data
AP Average
  • 46.6% compared to the AP average of 27.5% are accepting of sharing personal data of existing accounts with other business entities
  • Impact: higher exposure of data privacy and risk of fraud
Japan Japan as standalone
Consumers most cautious on digital accounts and transactions
50.7% Actively maintain digital accounts’ validity
27% AP Average
45.5% Do not do online bank transfers
13.5% AP Average
  • More than 70% did not encounter fraud incidents in past 12 months, compared to 50% on average
  • Impact: Relatively low risk of fraud

Safe Data Harbour

Safe Data Harbour

Different data sets in one harbour


How will brands effectively commercialise data partnerships and safely utilise the commonalities between their customers?
The volume and complexity of consumer data collected by suppliers, resellers, vendors, and other companies is staggering.
When commercialising a data partnership between these brands, Experian can help to unify this data and provide a rich illustration of the overlapping customers. Supporting ongoing strategic and marketing decisions.


Key Benefits
Experian Data Harbouring helps to…

  • Identify overlapping customers without the risk of exposing 1st party data
  • Reduce the volume of unknown customers between each brand
  • Quantify the potential opportunity that each brand could tap into
  • Acquire new customers with a targeted cross-sell message
  • Grow the value of existing customers with targeted up-sell messaging
  • Increase the scale and accuracy of existing communications to consumers

Data & Transfer Security

The core competency of our business is information, so information exchange is a critical function. There are hundreds of thousands of transactions exchanged between Experian and other parties where safeguarding information, especially sensitive personal information, is imperative. Our expertise is providing best-in-class service and a range of solutions. Our tools provide the required security and functionality regardless of where clients are located throughout the world.

As a world class data steward, Experian is trusted by many of the globe’s largest consumer facing organisations with their data.


Download our information sheet to find out more about Safe Data Harbour


Read full article


By Experian 07/10/2019

Experian Safe Data Harbour - Fact Sheet

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