跨境电商独立站面临支付欺诈挑战：如何在全球市场安全"游泳"？
全球经济放缓影响跨境电商增长
IMF在今年7月的全球经济展望中指出，全球经济增长幅度预计将从2022年的3.5%下降至2023年和2024年的3.0%。这种整体经济下行趋势导致全球货物贸易需求减少，跨境商品交易增速持续放缓。
Global economic slowdown impacts cross-border e-commerce growth
In its July global economic outlook, the IMF pointed out that global economic growth is expected to decline from 3.5% in 2022 to 3.0% in 2023 and 2024. This overall economic downturn has led to reduced demand for global goods trade and a continued slowdown in cross-border merchandise transactions.
支付欺诈：跨境电商的"暗礁"
中国电商出海面临的最大威胁之一是支付欺诈。海外市场的线上支付环境比国内更为复杂：
- 信用卡和电子钱包普及多年，非持卡人消费(CNP)欺诈屡见不鲜
- 欺诈手段已产品化、商业化，可通过网络公开获取
- 每年因盗刷盗用带来的损失以亿美元递增
Payment fraud: The "reef" of cross-border e-commerce
One of the biggest threats facing Chinese e-commerce going overseas is payment fraud. The online payment environment in overseas markets is more complex than in China:
- Credit cards and e-wallets have been popular for years, with frequent CNP fraud
- Fraud methods have been productized and commercialized, and can be obtained publicly online
- Annual losses due to theft and misuse are increasing by hundreds of millions of dollars
政策滥用：跨境电商的"宠粉"陷阱
Shopify的报告显示，电商订单的平均退货率高达20%，节假日期间甚至达到30%。中国商家被迫与本地市场标准对齐，卷入"宠粉"升级赛，但对政策滥用缺乏有效防护。
据《华尔街日报》报道，100美元商品的退货处理成本约为26.50美元，67%的零售商表示退货订单追回金额不到原订单的一半。
Policy abuse: The "fan pampering" trap of cross-border e-commerce
Shopify's report shows that the average return rate for e-commerce orders is as high as 20%, and even reaches 30% during holidays. Chinese merchants are forced to align with local market standards and get involved in the "fan pampering" upgrade competition, but lack effective protection against policy abuse.
According to the Wall Street Journal, the processing cost for returning a $100 product is about $26.50, and 67% of retailers say the amount recovered from returned orders is less than half of the original order.
风控解决方案：跨境电商的安全"泳衣"
预计到2025年，在线支付欺诈将带来高达2060亿美元的损失。跨境电商需要：
- 深入的数据洞察能力
- 了解支付欺诈发生的环节和方式
- 在不影响客户体验的前提下最小化风险
Riskified作为全球支付风控领先企业，已审核来自180多个国家/地区价值超过600亿美元的交易，服务超过50家上市公司。
Risk control solutions: The safe "swimsuit" for cross-border e-commerce
It is estimated that by 2025, online payment fraud will cause losses of up to $206 billion. Cross-border e-commerce needs:
- In-depth data insight capabilities
- Understanding of where and how payment fraud occurs
- Minimizing risk without affecting customer experience
As a global leader in payment risk control, Riskified has reviewed transactions worth more than $60 billion from over 180 countries/regions and serves more than 50 listed companies.
关于Riskified
Riskified为全球知名品牌提供反欺诈方案，合作伙伴包括：华为荣耀、安克创新、周生生、春秋航空等。2021年，Riskified正式在纽交所上市，成为业内唯一上市的支付风控供应商。
About Riskified
Riskified provides anti-fraud solutions for global well-known brands, with partners including Honor, Anker Innovations, Chow Sang Sang, Spring Airlines, etc. In 2021, Riskified was officially listed on the New York Stock Exchange, becoming the only listed payment risk control supplier in the industry.
