4. Different sectors have seen different levels of fraud this year

5. Sectors

6. Shift in those perceiving fraud as more or less prevalent…

7. … because drivers of fraud have reduced – expansion on hold

8. Different sectors are vulnerable to different threats

9. The types of threats from fraud remain similar over time

10. Europe, Middle East/Africa have seen increase in fraud; elsewhere, falling or static prevalence and loss

11. Planned countermeasures (% of respondents planning on undertaking countermeasures against fraud in next year)