Luxury goods, being high-priced and highly desirable, have always been a prime
target for online fraudsters. The advent of strong customer authentication (SCA)
in Europe, while securing checkout, has driven fraudsters to shift tactics to attack
other vulnerabilities across the shopper journey, including account takeover and
fraudulent returns abuse.

For European luxury brands, vigilance is paramount, as fraud pressure is climbing even as some consumer policy abuse is easing.

This report explores the key fraud and abuse trends shaping the EMEA luxury market in 2025.

Despite global economic uncertainty, demand for consumer electronics remains steady, driven by annual product innovations and the constant need
for the latest tech. This environment means that fraud and consumer abuse pose a consistent threat for merchants in the region. Even with strong customer
authentication making it more difficult for fraudsters
to commit fraud at checkout, this has caused a
knock-on effect as they target new points across the
customer journey.
In this report, we highlight the fraud pressure and consumer abuse trends happening within the EMEA consumer electronics market.

The fashion and apparel market has long been a target of fraudsters impacting the entire shopper journey. From taking over customer accounts and making fraudulent
transactions, to reseller and returns abuse, the industry is plagued with potential threats. While many merchants have
developed tools and policies to combat these issues – from manual review teams to adjusting return policies to combat
misuse – these efforts have often come at the expense of customer satisfaction, leading to backlash and damaging
the merchant’s reputation.

In this report, we highlight the fraud pressure and consumer abuse trends happening within the EMEA fashion and apparel market.

Consumers of home goods expect ever-faster shipping, diverse payment options,
and VIP experiences. While merchants strive to provide all of these, it often leaves
them exposed to increased risks of fraud and consumer abuse throughout the entire
shopper journey.
As sales increase, so too does fraud, as fraudsters seek to uncover weaknesses
in merchants’ e-commerce platforms. For example, many home goods merchants
implement ‘donate or discard’ return policies. While intended to combat costly reverse
logistics, this practice has inadvertently opened merchants to dishonest shoppers
requesting illegitimate returns. Furthermore, the rise of Buy Now Pay Later (BNPL)
payments has enabled bad actors to execute scams with greater ease
and less upfront investment.

In this report, we highlight the fraud pressure
and consumer abuse trends happening
within the EMEA home goods market.

The beauty and cosmetics merchants are susceptible
to numerous types of fraud attacks. With the
advent of 3D Secure, fraudsters are known to test
other points of weakness in the shopper journey.
Whether through card testing by buying low-priced
items to avoid detection and take advantage of
low-value exemptions, or through the rising rate of
returns abuse, managing a seamless experience
for legitimate customers can be a daunting task for
merchants in Europe.
In this report, we highlight the fraud pressure and
consumer abuse trends happening within the
EMEA beauty and cosmetics market.