欧洲央行：2025年支付欺诈报告（英文版）

This report, jointly prepared by the EBA and the ECB, assesses the latest payment data reported to the EBA and the ECB under Article 96(6) of Directive EU 2015/2366 (the revised Payment Services Directive, PSD2). It covers semi-annual data reported for the six reference periods H1 2022, H2 2022, H1 2023, H2 2023, H1 2024 and H2 2024 and analyses credit transfers, direct debits, card payments (from an EU/EEA issuing perspective), cash withdrawals and e-money transactions. The data covers all E