Germany suffers from a high rate of card not present fraud, according to new data from predictive analytics and decision management software company FICO.

About 70 percent of the fraud on German-issued cards monitored by FICO's technology in 2012 was card not present fraud.

"As CNP fraud is spread across multiple merchant categories, card issuers need to gain an in-depth understanding of individuals' specific e-commerce behavior,” says Martin Warwick, FICO’s fraud chief in Europe, in an August 30 press release.

Generally, card fraud in Germany is expanding, with total fraud losses exceeding those of 2006 by 140%, FICO says.

More than half of the cross-border, card present fraud occurred in just a few categories—ATMs, jewelry, electrical goods, grocery stores and small stores selling alcoholic beverages, FICO says. Cash is still the main driver for criminals, with ATM fraud accounting for a third of all cross-border card-present fraud, and an even higher percentage of domestic card-present fraud. "There can be legacy system issues with major banks in terms of ATM traffic flows," Warwick says in the release.

FICO's research is based on analysis of data from German card issuers using FICO Falcon Fraud Manager, which monitors one in three card accounts in Germany. Data on these cards is reported to the FICO Falcon Fraud Consortium and used to develop regional predictive models.

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