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Working with issuers across Europe, FICO has seen big changes in the fraud landscape. These changes are illustrated by new data from Euromonitor International, which show how different countries' defences against fraud, their adoption of powerful analytics and their use of EMV technology have pushed criminals from one country to the next and from one form of attack to another. This white paper provides a snapshot of these trends for 2014, as well as commentary from Martin Warwick, FICO's fraud chief for Europe.