yStats：2026年数字支付和电子商务中的欺诈、诈骗和风险：全球市场概述、关键指标和展望报告（英文版）

EBA describes an increasingly complex threat environment shaped by digitalization, geopolitical tensions, and evolving cybercrime activity. The rising interdependence between financial institutions, cloud providers, fintech partners, and third-party service providers is amplifying systemic risk and increasing the potential for cascading disruptions.  As payment services become more interconnected, concentration among cloud providers, payment processors, and authorization services can affect