EBA identifies payment fraud, indebtedness and de-risking as key issues affecting consumers in the EU

On March 26, 2025, the European Banking Authority (EBA) issued an update regarding EBA identifies payment fraud, indebtedness and de-risking as key issues affecting consumers in the EU. Payment fraud emerged as the most significant issue for EU consumers, driven by new types of scams such as social engineering techniques. Indebtedness and de-risking also ranked high among consumer concerns, with inadequate creditworthiness assessment practices and difficulties in opening payment accounts contributing to these issues.