70 Percent of Contact Centers Require Customers to Read Sensitive Data Aloud, Increasing Security Risks
Global survey of contact center agents shows use of outdated practices for customer interaction, data collection and fraud prevention are compromising security
Boston and Guildford, U.K. – A new survey of contact center agents conducted by Semafone reveals the dire state of contact center data security. Drawing responses from more than 500 agents across industries around the globe, the survey shows that a concerning number of contact centers rely on outdated, risky practices for customer interaction, data collection and fraud prevention. This exposes organizations to inside and outside security threats, and puts sensitive customer information at risk for brand-damaging data breaches.
Key survey findings
· Contact centers still use data collection and customer interaction practices that create opportunities for agent fraud and leave data vulnerable to a breach.
o 72 percent of agents who collect credit/debit card information or social security numbers (SSNs) over the phone require customers to read numbers aloud, despite the readily available technologies that secure voice transactions
o 30 percent reported that they have access to customers’ payment card information or SSNs on file even when they’re not on the phone with the customer
· Agents are experiencing and witnessing breach attempts from both insiders and outsiders, yet many do nothing to mitigate the risks.
o 7 percent of agents admitted that someone inside their organization has asked them to access or share customers’ payment card information or other sensitive data
o 4 percent said the same about someone outside their organization
o 9 percent said they personally know someone who has unlawfully accessed or shared customers’ payment card information
o 42 percent who were approached said they did not report the situation to either management or law enforcement
· Contact centers aren’t doing enough to protect customer data and prevent fraud, while current practices contribute to low employee morale and high turnover.
o 79 percent of agentsare not allowed to have cell phones at their work station
o 38 percent are not allowed paper or pens at their work station
o 31 percent are not allowed personal items or bags at their work station
o 28 percent must pass through a security check before entering or leaving work
o 26 percent work in a contact center “clean room,” which prohibits any personal items and recording devices of any kind
· Industry and geographical trends are apparent.
o Zero European agents reported instances of outsiders approaching them to share information – likely reflective of Europe’s stricter governance rules
o 50 percent of agents in Central and South America have access to customer data when they aren’t on the phone with the customer; these regions also had the highest number of requests from both insiders and outsiders to share data
o 35 percent of agents in the Business Process Outsourcing (BPO) industry have access to customer information when they aren’t on the line with them; 11 percent have been approached to share customer information
The findings pertaining to BPO and Central/South America emphasize the increased risks created by outsourcing and offshoring. In fact, research shows that poor outsourcing decisions cause 63 percent
of data breaches, so strong data security is vital for those with such business models
“Our survey confirmed many contact centers are still using inadequate practices when capturing, processing and storing payment card data and other personally identifiable information (PII),” said Tim Critchley, Semafone CEO. “When a single data breach can cost a company millions of dollars, traditional security controls like clean rooms and check points are not enough. The only way to truly protect sensitive data is to remove it from the business infrastructure completely.”
Critchley continued, “Although just four and seven percent of survey participants had been approached by outsiders and insiders, respectively, to provide customer data, these are alarming numbers when extrapolated to the greater contact center agent population. While a majority of agents are good, honest people, it takes just one malicious person to expose sensitive data and ruin a business’ reputation. Contact centers need to act now—otherwise, they are just sitting around, waiting to be breached.”
To address and simplify data security, Semafone urges organizations to descope their contact centers from Payment Card Industry Data Security Standard (PCI DSS) compliance. This is achievable by adopting dual-tone multi-frequency (DTMF) masking technologies, which allow customers to enter payment card information and other PII directly into the telephone keypad. DTMF tones are masked with flat tones so they are not captured on call recordings, and neither the agent nor an eavesdropper can decipher the numbers. The agent is also able to remain on the line in full voice conversation with the customer, thus improving the customer experience. The sensitive data is then sent straight to the appropriate third party, such as the payment processor, bypassing the contact center’s infrastructure altogether.
Semafone provides software to contact centers so they can take personal data securely over the telephone. Semafone’s patented data capture method collects sensitive information such as payment card or bank details and social security numbers directly from the customer’s telephone keypad for processing. This prevents personal data from entering the contact center, which protects against the risk of fraud and the associated reputational damage, ensuring compliance with industry regulations such as PCI DSS.
The company was founded in 2009 and now supports customers in 25 countries on five continents. Semafone is vertically agnostic and its extensive customer base includes companies such as Aviva Canada, Amica Mutual Insurance, British Sky Broadcasting, Pethealth, Rogers Communications, Santander and TVG.
BT offers a hosted version of Semafone’s technology - Cloud Contact PCI. Major investors of Semafone include Octopus Investments and BGF (Business Growth Fund).
Semafone has achieved the four leading security and payment accreditations: ISO 27001:2013, PA-DSS certification for Cardprotect its payment solution, PCI DSS Level 1 Service Provider and is a registered Visa Level 1 Merchant Agent. To learn more, visit www.semafone.com and follow us on LinkedIn,Twitter and Facebook.