The total amount of fraud reached 1.24 billion euros in 2021, an increase of 8.5% at constant methodology and scope.
"
Check fraud continues to progress and these are average amounts of several thousand euros, so when the proportion of checks in overall fraud increases, in a very mechanical way, the average amount of fraud also increases
", explained during a press conference Julien Lasalle, secretary of the Payment Methods Security Observatory (OSMP), which brings together the Banque de France, public authorities, banks and consumers.
"
It's the same for transfer fraud, where we have a little shudder: it's a fraud that strikes companies in particular with unit amounts that can be tens or even hundreds of thousands of euros
", even if the cases are fortunately few, he continued.
More manipulative crooks
The fraud rate in value of checks is thus 0.079%, i.e. 79 euros defrauded for 100,000 euros paid by this means, while transfer fraud is at 0.0007% (70 cents defrauded for 100,000 euros paid) .
The card value fraud rate is 0.059%, but the unit amounts defrauded are lower.
In addition, the development of strong authentication has made it possible to reach “
an all-time low
” for payment fraud on the Internet.
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But the increased security of means of payment leads scammers to increasingly use manipulation techniques to induce the victim to make or validate payments themselves, in particular by pretending to be their bank adviser.
"
The development of these techniques, which we call + manipulation +, must not lead to a gray area with too long repayment periods
", or even non-repayment, warned the Governor of the Banque de France, François Villeroy de Galhau, while UFC-Que Choisir filed a complaint against twelve banks at the end of June on this subject.