GSMA 2025年印度消费者诈骗报告

India Consumer Scam Report 2025:More Reporting, Less Trust in Outcomes Authors The GSMAis a global organisation that unifies themobile ecosystem to discover, develop, and deliverinnovation foundational to positive businessenvironments and societal change. Our vision is tounlock the full potential of connectivity, enablingpeople, industry, and society to thrive. Representingmobile operators and organisations across themobile ecosystem and adjacent industries, theGSMA delivers for its members across three broadpillars: Connectivity for Good, Industry Services andSolutions and Outreach. This activity includesadvancing policy, tackling today’s biggest societalchallenges, underpinning the technology andinteroperability that make mobile work andproviding the world’s largest platform to convenethe mobile ecosystem at the MWC and M360 seriesof events. Leslie Falvey&Tyson Hackwoodare the Founders of Armidale and founding members ofCROSEC. Together they bring board-levelexperience across telecoms, technology, paymentsand retail, with deep specialisation in fraudprevention, growth, and strategy execution. Theytranslate research into practical playbooks thatreduce losses, enhance recovery, and foster trust. Acknowledgements We thank Julian Gorman, Head of Asia Pacific atGSMA, for his input and guidance on this report, aswell as the GSMA APAC team for their support inoutreach and visibility. We are also grateful to thesurvey partners, Milieu Insight and respondentsacross the ASEAN region, whose participationmade these insights possible. We invite you to find out more atwww.gsma.com Follow the GSMA on X:@GSMA Data sources: This report draws on Armidale’s 2024and 2025 ASEAN consumer scam and fraudsurveys and an addendum study completed tocover India (n≈500 per market) and associatedqualitative insights gathered during analysis andindustry consultations. Contact the authors:contact@armidale.co Foreword This annex adds India to the broader 2025 consumer scams work, intending to identify howscams manifest, the harm they cause, where victims report, and what protection peopleexpect from banks, platforms, and mobile/internet providers. The focus is practical: highlightwhat matters for prevention, incident response, and rebuilding trust. Findings come from a quota-representative online survey of adults in India (n≈500, 2025).Results are presented for India; occasional ASEAN-6 references are included for contextonly. When used, the ASEAN-6 benchmark is an equal-weighted average of Indonesia,Malaysia, The Philippines, Singapore, Thailand, and Vietnam from the 2025 study. Percentages refer to the share of respondents unless noted. Multi-select questions reflect allchannels or outcomes involved so that totals may exceed 100%. Values are rounded, andsmall differences may occur. Executive Summary Scams have become a significant consumer issue in India. 53% of adults report lifetimeexposure, and 42% say the risk is increasing rapidly. The journey is overwhelmingly digitaland multi-surface: victims most often cite messaging apps (46%), SMS (37%), email (33%),social platforms (33%) and voice (32%), with search ads (19%), QR/payment links (18%) andeven dating apps (14%) in the mix. 10% believe they were personally targeted by AI-enabledscams (self-reported, but a strong signal that real-time OTP relays and convincingimpersonation are already in play). Harm is tangible. 65% of victims lost money (14% large losses), and many describeemotional distress (50%), ongoing anxiety (43%), and the time and effort (40%) it takes to putthings right. People do act: most tighten account security and monitor more closely, and agrowing share default to calling back on official numbers rather than trusting inbound links orcalls. Reporting is active and spread across multiple doors. Only 14% do not report; the rest go toplatforms (46%), banks/e-wallets (40%), police (37%), and their mobile/ISP (33%). Thatbreadth is a strength for detection, but it fragments cases and slows recovery when hand-offsaren’t joined up. Trust in protective outcomes is the gap that needs to be closed. Ratings of “good/very good”protection are consistently low across banks, platforms, telcos/ISPs,merchants/marketplaces, and government, even as people expect all of them to act. Thesame consumers are willing to support targeted, privacy-preserving fixes: 47% approve ofpurpose-limited mobile-network signals used at transaction time to prevent fraud, rising to84% comfort when sharing occurs only in response to suspicious activity. Security alsomoves market share: a clear majority say they would switch to a more secure financialprovider that uses authorised, minimal checks. The path forward is practical. Make prevention visible where scams actually land (messaging,SMS, email, social, search, QR); bind numbers and devices and check for recentSIM-change/device risk at login, payout changes and high-risk payments; surface confirmation-of-payee cues before money moves;