EBA & ECB - 2025 Report on Payment Fraud

2025

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AI-generated summary

1) This report provides a comprehensive analysis of payment fraud trends across the EU/EEA, highlighting key fraud types, the impact of Strong Customer Authentication (SCA), and geographical variations in fraud losses.
2) * Analysis of payment fraud by instrument, including credit transfers, card payments, and e-money transactions.
* Examination of the effectiveness of Strong Customer Authentication (SCA) in mitigating fraud.
* Detailed country-by-country breakdown of fraud losses and their distribution among payment service providers (PSPs) and payment service users (PSUs).
3) Payment fraud, SCA, EBA, ECB, EU payments

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