European Fraud Map

Card not present fraud was the main driver of overall card fraud losses, as well as increases in losses across many countries in 2024. E-commerce fraud, e-wallet, social engineering and QR code fraud or “quishing” are all rising as well.

PSD3 regulations are taking effect across Europe, with a final version of the directive expected by the end of 2025 and an adoption deadline of 18 months later. It is hoped that increased measures to share intelligence, responsibility, and approaches will yield beneficial results.

Emerging approaches from fraud prevention teams now include 360 customer profiling, assessing fraud and financial crime risk across all channels and products and throughout the entire lifecycle of the customer (onboarding through to offboarding). Increasingly, organisations are moving towards a unified approach to fraud risk assessment. 

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Total threat levels

Total fraud levels