Customer fraud – or first-party fraud – continues to be mainly concentrated in the inner-cities and it’s a trend that is unlikely to change given it reflects the social mix of urban neighbourhoods.
But more and more rural hotspots continue to emerge. While they may be exaggerated in part as a result of relatively low population concentrations, there are clearly far more isolated pockets of fraud emerging in these areas than in previous years. There are notable concentrations in Cornwall, North wales, parts of Yorkshire, the Highlands of Scotland, Norfolk and around Cambridgeshire’s Fenland.
Greater London continues to see concentrations of fraud in its inner-city suburbs and traditional blue-collar communities along the Thames Estuary, but there is also a rising prevalence of first-party fraud within wealthier neighbourhoods and leafy commuter towns. They include Epsom, Croydon, Bromley, Chertsey, Cheshunt and St Albans.
The national picture of third-party fraud highlights the unrelenting impact ID theft has on consumers from all parts of Britain. It’s a nationwide challenge that’s likely to continue for the foreseeable. The UK’s inner-cities of Birmingham, Leeds, Manchester and Glasgow are particularly vulnerable.
While it’s biased towards wealthier areas – as clearly shown on the Greater London map – third-party fraud also continues to afflict vast swathes of the country with Cornwall, Herefordshire and the Welsh Borders, the Highlands, Lancashire and North Yorkshire, all being affected. In and around Greater London, virtually every commuter town along the M25 has a disproportionately high level of third-party fraud. Luton, Hitchin, Stevenage, Leatherhead, Weybridge, Sevenoaks and Maidstone, all continue to feature.
But this is simply a snapshot of a far bigger picture. To find out more simply click here, to visit our interactive fraud dashboard and download our Fraud Report 2015.