普华永道：2025年打击骡子账户欺诈：采用人机协同的防控策略研究报告（英文版）

In today’s digital era, the combination of increased internet access, digital payment systems, global financial integration, and a government-led push for widescale financial inclusion creates a landscape of dual opportunities. While these developments enable swift, real-time transactions anywhere in the world, enhancing user convenience and access to the financial services, they also offer various opportunities for criminals to perpetrate fraud. These fraudsters operate on an unprecedented s