{"id":3928,"date":"2026-07-07T15:59:07","date_gmt":"2026-07-07T13:59:07","guid":{"rendered":"https:\/\/test-wordpress.oneytrust.com\/?page_id=3928"},"modified":"2026-07-10T18:24:55","modified_gmt":"2026-07-10T16:24:55","slug":"2026-annual-overview-of-fraud-in-france","status":"publish","type":"page","link":"https:\/\/test-wordpress.oneytrust.com\/fr\/2026-annual-overview-of-fraud-in-france\/","title":{"rendered":"Panorama Annuel 2026 de la fraude en France"},"content":{"rendered":"<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3928_eda4e3-26{margin-bottom:0px;}.kb-row-layout-id3928_eda4e3-26 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id3928_eda4e3-26 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id3928_eda4e3-26 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1172px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:125px;padding-bottom:1px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3928_eda4e3-26 > .kt-row-layout-overlay{opacity:0.00;mix-blend-mode:normal;}.kb-row-layout-id3928_eda4e3-26 ,.kb-row-layout-id3928_eda4e3-26 h1,.kb-row-layout-id3928_eda4e3-26 h2,.kb-row-layout-id3928_eda4e3-26 h3,.kb-row-layout-id3928_eda4e3-26 h4,.kb-row-layout-id3928_eda4e3-26 h5,.kb-row-layout-id3928_eda4e3-26 h6{color:var(--global-palette3, #1A202C);}.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id3928_eda4e3-26 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id3928_eda4e3-26 > .kt-row-column-wrap{padding-top:140px;padding-bottom:50px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep{height:60px;}.kb-row-layout-id3928_eda4e3-26 .kt-row-layout-bottom-sep svg{width:100%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id3928_eda4e3-26 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-blocks-carousel kb-blocks-bg-slider kt-carousel-container-dotstyle-dark\"><div class=\"kt-blocks-carousel-init splide kb-blocks-bg-slider-init kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark\" data-slider-anim-speed=\"400\" data-slider-type=\"slider\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-fade=\"true\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"false\" data-slider-speed=\"7000\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"splide__list\"><li class=\"splide__slide kb-bg-slide-contain\"><div  class=\"kb-bg-slide kb-bg-slide-0\" style=\"background-image:url(https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2025\/08\/Above-the-fold-Background-Image-Desktop.png); background-size:cover; background-position:center top; background-repeat:no-repeat;\"><\/div><\/li><\/ul><\/div><\/div><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column3928_1aa436-66 > .kt-inside-inner-col{display:flex;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col{padding-bottom:32px;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col,.kadence-column3928_1aa436-66 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_1aa436-66 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_1aa436-66 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_1aa436-66{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_1aa436-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column3928_1aa436-66 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_1aa436-66 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><div class=\"gb-container gb-container-ec4e69f8\">\n<style>.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col{display:flex;}.kadence-column3928_f8c3bd-5d{max-width:500px;margin-left:auto;margin-right:auto;}.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3928_f8c3bd-5d{-webkit-flex:0 1 500px;flex:0 1 500px;max-width:unset;margin-left:unset;margin-right:unset;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col,.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col{flex-direction:column;align-items:flex-start;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_f8c3bd-5d{text-align:left;}.kadence-column3928_f8c3bd-5d, .kadence-column3928_f8c3bd-5d h1, .kadence-column3928_f8c3bd-5d h2, .kadence-column3928_f8c3bd-5d h3, .kadence-column3928_f8c3bd-5d h4, .kadence-column3928_f8c3bd-5d h5, .kadence-column3928_f8c3bd-5d h6{color:var(--global-palette3, #1A202C);}.kadence-column3928_f8c3bd-5d{position:relative;}@media all and (min-width: 1025px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3928_f8c3bd-5d{-webkit-flex:0 1 500px;flex:0 1 500px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 1024px){.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col{padding-bottom:var(--global-kb-spacing-lg, 3rem);flex-direction:row;flex-wrap:wrap;align-items:center;justify-content:flex-start;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > *, .kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.wp-block-kadence-column.kb-section-sm-dir-vertical:not(.kb-section-sm-dir-horizontal):not(.kb-section-sm-dir-specificity)>.kt-inside-inner-col>.kadence-column3928_f8c3bd-5d{max-width:500px;-webkit-flex:1;flex:1;margin-left:auto;margin-right:auto;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;justify-content:flex-start;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > *, .kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_f8c3bd-5d > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}ul {    list-style-type: disc !important;  padding-left:1em !important;}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_f8c3bd-5d kb-section-md-dir-horizontal\" data-aos=\"fade\" data-aos-duration=\"1000\" data-aos-delay=\"300\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab, .wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab[data-kb-block=\"kb-adv-heading3928_7f816c-ab\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab[data-kb-block=\"kb-adv-heading3928_7f816c-ab\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab[data-kb-block=\"kb-adv-heading3928_7f816c-ab\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab, .wp-block-kadence-advancedheading.kt-adv-heading3928_7f816c-ab[data-kb-block=\"kb-adv-heading3928_7f816c-ab\"]{padding-top:0px;padding-bottom:var(--global-kb-spacing-xs, 1rem);font-size:40px;line-height:1.4;}}<\/style>\n<h1 class=\"kt-adv-heading3928_7f816c-ab wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_7f816c-ab\">2026 Annual Overview of Fraud in France<\/h1>\n\n\n<style>.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col,.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_b5ff5a-44{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_b5ff5a-44 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_b5ff5a-44\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1, .wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1[data-kb-block=\"kb-adv-heading3928_96cd61-b1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1[data-kb-block=\"kb-adv-heading3928_96cd61-b1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_96cd61-b1[data-kb-block=\"kb-adv-heading3928_96cd61-b1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_96cd61-b1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_96cd61-b1\">Card fraud rates may be historically low. But retail fraud has shifted beyond the checkout into BNPL, returns, refunds, delivery abuse, loyalty theft and promotion exploitation. This report explores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Why card fraud rates no longer tell the full story<\/li>\n\n\n\n<li>How BNPL became retail\u2019s highest-risk payment channel, and why payment data alone isn\u2019t enough<\/li>\n\n\n\n<li>How post-purchase fraud erodes margins and promo abuse hides inside legitimate-looking orders<\/li>\n\n\n\n<li>What synthetic identities, loyalty abuse and behavioural signals reveal about modern retail fraud<\/li>\n<\/ul>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe, .wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe[data-kb-block=\"kb-adv-heading3928_a09b2d-fe\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe[data-kb-block=\"kb-adv-heading3928_a09b2d-fe\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_a09b2d-fe[data-kb-block=\"kb-adv-heading3928_a09b2d-fe\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_a09b2d-fe wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_a09b2d-fe\">If you operate high-volume ecommerce or retail journeys, this is an essential guide that will help you understand and adapt to major challenges.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{display:flex;}.kadence-column3928_5bb1c8-4a{max-width:530px;margin-left:auto;margin-right:auto;}.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3928_5bb1c8-4a{-webkit-flex:0 1 530px;flex:0 1 530px;max-width:unset;margin-left:unset;margin-right:unset;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col,.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col:before{border-top-left-radius:24px;border-top-right-radius:24px;border-bottom-right-radius:24px;border-bottom-left-radius:24px;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{row-gap:24px;column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_5bb1c8-4a, .kadence-column3928_5bb1c8-4a h1, .kadence-column3928_5bb1c8-4a h2, .kadence-column3928_5bb1c8-4a h3, .kadence-column3928_5bb1c8-4a h4, .kadence-column3928_5bb1c8-4a h5, .kadence-column3928_5bb1c8-4a h6{color:var(--global-palette3, #1A202C);}.kadence-column3928_5bb1c8-4a{position:relative;}@media all and (min-width: 1025px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3928_5bb1c8-4a{-webkit-flex:0 1 530px;flex:0 1 530px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 1024px){.kadence-column3928_5bb1c8-4a{max-width:2000px;}}@media all and (max-width: 1024px){.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3928_5bb1c8-4a{-webkit-flex:0 1 2000px;flex:0 1 2000px;}}@media all and (max-width: 1024px){.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3928_5bb1c8-4a{-webkit-flex:0 1 2000px;flex:0 1 2000px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 767px){.wp-block-kadence-column.kb-section-sm-dir-vertical:not(.kb-section-sm-dir-horizontal):not(.kb-section-sm-dir-specificity)>.kt-inside-inner-col>.kadence-column3928_5bb1c8-4a{max-width:2000px;-webkit-flex:1;flex:1;margin-left:auto;margin-right:auto;}.kadence-column3928_5bb1c8-4a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_5bb1c8-4a\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1108\" height=\"640\" src=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1.png\" alt=\"\" class=\"wp-image-3945\" srcset=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1.png 1108w, https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1-800x462.png 800w, https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1-400x231.png 400w, https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1-768x444.png 768w, https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Ecomm-eBook-1-18x10.png 18w\" sizes=\"auto, (max-width: 1108px) 100vw, 1108px\" \/><\/figure>\n\n\n<style>.kadence-column3928_955677-b6 > .kt-inside-inner-col{display:flex;}.kadence-column3928_955677-b6{max-width:554px;margin-left:auto;margin-right:auto;}.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3928_955677-b6{-webkit-flex:0 1 554px;flex:0 1 554px;max-width:unset;margin-left:unset;margin-right:unset;}.kadence-column3928_955677-b6 > .kt-inside-inner-col{padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kadence-column3928_955677-b6 > .kt-inside-inner-col{border-top:2px solid #f3f3f3;border-right:2px solid #f3f3f3;border-bottom:2px solid #f3f3f3;border-left:2px solid #f3f3f3;}.kadence-column3928_955677-b6 > .kt-inside-inner-col,.kadence-column3928_955677-b6 > .kt-inside-inner-col:before{border-top-left-radius:24px;border-top-right-radius:24px;border-bottom-right-radius:24px;border-bottom-left-radius:24px;}.kadence-column3928_955677-b6 > .kt-inside-inner-col{row-gap:26px;column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_955677-b6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_955677-b6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_955677-b6 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column3928_955677-b6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_955677-b6, .kadence-column3928_955677-b6 h1, .kadence-column3928_955677-b6 h2, .kadence-column3928_955677-b6 h3, .kadence-column3928_955677-b6 h4, .kadence-column3928_955677-b6 h5, .kadence-column3928_955677-b6 h6{color:var(--global-palette3, #1A202C);}.kadence-column3928_955677-b6{position:relative;}@media all and (min-width: 1025px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3928_955677-b6{-webkit-flex:0 1 554px;flex:0 1 554px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 1024px){.kadence-column3928_955677-b6 > .kt-inside-inner-col{border-top:2px solid #f3f3f3;border-right:2px solid #f3f3f3;border-bottom:2px solid #f3f3f3;border-left:2px solid #f3f3f3;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column3928_955677-b6{max-width:2000px;}}@media all and (max-width: 1024px){.wp-block-kadence-column.kb-section-dir-horizontal:not(.kb-section-md-dir-vertical)>.kt-inside-inner-col>.kadence-column3928_955677-b6{-webkit-flex:0 1 2000px;flex:0 1 2000px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-column.kb-section-dir-horizontal>.kt-inside-inner-col>.kadence-column3928_955677-b6{-webkit-flex:0 1 2000px;flex:0 1 2000px;max-width:unset;margin-left:unset;margin-right:unset;}}@media all and (max-width: 767px){.kadence-column3928_955677-b6 > .kt-inside-inner-col{border-top:2px solid #f3f3f3;border-right:2px solid #f3f3f3;border-bottom:2px solid #f3f3f3;border-left:2px solid #f3f3f3;flex-direction:column;justify-content:center;}.wp-block-kadence-column.kb-section-sm-dir-vertical:not(.kb-section-sm-dir-horizontal):not(.kb-section-sm-dir-specificity)>.kt-inside-inner-col>.kadence-column3928_955677-b6{max-width:2000px;-webkit-flex:1;flex:1;margin-left:auto;margin-right:auto;}}.kadence-column2547_20c6b0-b6 { margin-top:-100px; }<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_955677-b6\" id=\"form\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading has-theme-palette-3-color has-text-color has-link-color wp-elements-85b45e97afdca7440023b4586906c9a0\" style=\"font-size:24px\">Get your copy of the 2026 report.<\/h2>\n\n\n\n<div class=\"pipedriveWebForms\" data-pd-webforms=\"https:\/\/webforms.pipedrive.com\/f\/1C7GOk0HojJ2cCHxZqa6Tv61jpaI4AxY85fuVBybhl147P7badaMom7xDJnDZlivx\"><script src=\"https:\/\/webforms.pipedrive.com\/f\/loader\"><\/script><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div>\n\n<div class=\"gb-container gb-container-5f98fe9b\"><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3928_a59bf1-c0{margin-bottom:0px;}.kb-row-layout-id3928_a59bf1-c0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id3928_a59bf1-c0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id3928_a59bf1-c0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1172px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:32px;padding-bottom:32px;grid-template-columns:minmax(0, calc(50% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(50% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id3928_a59bf1-c0 > .kt-row-layout-overlay{opacity:0.00;mix-blend-mode:normal;}.kb-row-layout-id3928_a59bf1-c0 ,.kb-row-layout-id3928_a59bf1-c0 h1,.kb-row-layout-id3928_a59bf1-c0 h2,.kb-row-layout-id3928_a59bf1-c0 h3,.kb-row-layout-id3928_a59bf1-c0 h4,.kb-row-layout-id3928_a59bf1-c0 h5,.kb-row-layout-id3928_a59bf1-c0 h6{color:var(--global-palette9, #ffffff);}.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id3928_a59bf1-c0 > .kt-row-column-wrap{row-gap:var(--global-kb-gap-lg, 4rem);padding-top:100px;padding-bottom:100px;grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id3928_a59bf1-c0 > .kt-row-column-wrap{padding-top:50px;padding-bottom:50px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep{height:60px;}.kb-row-layout-id3928_a59bf1-c0 .kt-row-layout-bottom-sep svg{width:100%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id3928_a59bf1-c0 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-blocks-carousel kb-blocks-bg-slider kt-carousel-container-dotstyle-dark\"><div class=\"kt-blocks-carousel-init splide kb-blocks-bg-slider-init kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark\" data-slider-anim-speed=\"400\" data-slider-type=\"slider\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-fade=\"true\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"false\" data-slider-speed=\"7000\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"splide__list\"><li class=\"splide__slide kb-bg-slide-contain\"><div  class=\"kb-bg-slide kb-bg-slide-0\" style=\"background-color:var(--global-palette9, #ffffff); background-image:url(https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2025\/10\/blue_fade_bg.png); background-size:cover; background-position:right center; background-repeat:no-repeat;\"><\/div><\/li><\/ul><\/div><\/div><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column3928_c70e34-da > .kt-inside-inner-col,.kadence-column3928_c70e34-da > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column3928_c70e34-da > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_c70e34-da > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_c70e34-da > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_c70e34-da > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_c70e34-da{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_c70e34-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_c70e34-da > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}img {border-radius: 20px !important;}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_c70e34-da\"><div class=\"kt-inside-inner-col\"><style>.kadence-column3928_066709-25 > .kt-inside-inner-col{display:flex;}.kadence-column3928_066709-25 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xs, 1rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kadence-column3928_066709-25 > .kt-inside-inner-col,.kadence-column3928_066709-25 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column3928_066709-25 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_066709-25 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}.kadence-column3928_066709-25 > .kt-inside-inner-col > *, .kadence-column3928_066709-25 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_066709-25 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_066709-25 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kt-row-column-wrap > .kadence-column3928_066709-25{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25 > .kt-inside-inner-col{align-items:flex-start;}.kadence-column3928_066709-25 > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column3928_066709-25 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_066709-25{position:relative;}.kadence-column3928_066709-25, .kt-inside-inner-col > .kadence-column3928_066709-25:not(.specificity){margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column3928_066709-25{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25 > .kt-inside-inner-col{align-items:flex-start;}}@media all and (max-width: 1024px){.kadence-column3928_066709-25 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column3928_066709-25 > .kt-inside-inner-col > *, .kadence-column3928_066709-25 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_066709-25 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_066709-25 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column3928_066709-25{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_066709-25 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column3928_066709-25 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:stretch;flex-wrap:nowrap;}.wp-block-kadence-column.kb-section-dir-horizontal.kadence-column3928_066709-25 > .kt-inside-inner-col > .wp-block-kadence-infobox{align-self:unset;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_066709-25 kb-section-dir-horizontal kb-section-sm-dir-vertical\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Icon-1.svg\" alt=\"\" class=\"wp-image-3936\" style=\"width:48px\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f, .wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f[data-kb-block=\"kb-adv-heading3928_df48f0-1f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f[data-kb-block=\"kb-adv-heading3928_df48f0-1f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_df48f0-1f[data-kb-block=\"kb-adv-heading3928_df48f0-1f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3928_df48f0-1f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_df48f0-1f\"><br><\/h3>\n\n\n<style>.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col,.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_2b0bfb-40{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_2b0bfb-40 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_2b0bfb-40\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8, .wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8[data-kb-block=\"kb-adv-heading3928_3b10af-c8\"]{line-height:1;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8[data-kb-block=\"kb-adv-heading3928_3b10af-c8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_3b10af-c8[data-kb-block=\"kb-adv-heading3928_3b10af-c8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading3928_3b10af-c8 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading3928_3b10af-c8\">Retail fraud has moved beyond the checkout<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31, .wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31[data-kb-block=\"kb-adv-heading3928_438c09-31\"]{font-style:normal;color:#000000;}.wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31[data-kb-block=\"kb-adv-heading3928_438c09-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_438c09-31[data-kb-block=\"kb-adv-heading3928_438c09-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_438c09-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_438c09-31\">French card rates remain at a historic low, but fraud has not disappeared. It has shifted into areas that many retailers struggle to measure properly: refunds, returns, delivery abuse, loyalty programmes, gift cards and promotional exploitation. The result is operational loss that often sits outside traditional fraud dashboards.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column3928_8e5046-2a > .kt-inside-inner-col{display:flex;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column3928_8e5046-2a > .kt-inside-inner-col,.kadence-column3928_8e5046-2a > .kt-inside-inner-col:before{border-top-left-radius:16px;border-top-right-radius:16px;border-bottom-right-radius:16px;border-bottom-left-radius:16px;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_8e5046-2a > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col > *, .kadence-column3928_8e5046-2a > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_8e5046-2a > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kt-row-column-wrap > .kadence-column3928_8e5046-2a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a > .kt-inside-inner-col{align-items:flex-start;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column3928_8e5046-2a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_8e5046-2a{position:relative;}.kadence-column3928_8e5046-2a, .kt-inside-inner-col > .kadence-column3928_8e5046-2a:not(.specificity){margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column3928_8e5046-2a{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a > .kt-inside-inner-col{align-items:flex-start;}}@media all and (max-width: 1024px){.kadence-column3928_8e5046-2a > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column3928_8e5046-2a > .kt-inside-inner-col > *, .kadence-column3928_8e5046-2a > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_8e5046-2a > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column3928_8e5046-2a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_8e5046-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column3928_8e5046-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:stretch;flex-wrap:nowrap;}.wp-block-kadence-column.kb-section-dir-horizontal.kadence-column3928_8e5046-2a > .kt-inside-inner-col > .wp-block-kadence-infobox{align-self:unset;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_8e5046-2a kb-section-dir-horizontal kb-section-sm-dir-vertical\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"49\" src=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2025\/10\/card_fraud.png\" alt=\"\" class=\"wp-image-3227\" style=\"width:48px\" srcset=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2025\/10\/card_fraud.png 48w, https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2025\/10\/card_fraud-12x12.png 12w\" sizes=\"auto, (max-width: 48px) 100vw, 48px\" \/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95, .wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95[data-kb-block=\"kb-adv-heading3928_742f2f-95\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95[data-kb-block=\"kb-adv-heading3928_742f2f-95\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_742f2f-95[data-kb-block=\"kb-adv-heading3928_742f2f-95\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3928_742f2f-95 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_742f2f-95\"><br><\/h3>\n\n\n<style>.kadence-column3928_8f9052-8e > .kt-inside-inner-col,.kadence-column3928_8f9052-8e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_8f9052-8e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_8f9052-8e > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_8f9052-8e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_8f9052-8e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_8f9052-8e{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_8f9052-8e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_8f9052-8e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_8f9052-8e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f, .wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f[data-kb-block=\"kb-adv-heading3928_04824e-7f\"]{line-height:1;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f[data-kb-block=\"kb-adv-heading3928_04824e-7f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_04824e-7f[data-kb-block=\"kb-adv-heading3928_04824e-7f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading3928_04824e-7f wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading3928_04824e-7f\">Promotion abuse is now a major commercial issue<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86, .wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86[data-kb-block=\"kb-adv-heading3928_e8d850-86\"]{font-style:normal;color:#000000;}.wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86[data-kb-block=\"kb-adv-heading3928_e8d850-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_e8d850-86[data-kb-block=\"kb-adv-heading3928_e8d850-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_e8d850-86 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_e8d850-86\">Our analysis identified more than 23,000 suspected promotion abuse cases across one major French retailer in a single month, amounting to c.\u20ac2m in value. The fraud patterns were not obvious at transaction level; they emerged through device reuse, behavioural analysis and linked digital identities.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column3928_2a811e-e7 > .kt-inside-inner-col,.kadence-column3928_2a811e-e7 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_2a811e-e7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_2a811e-e7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_2a811e-e7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_2a811e-e7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_2a811e-e7{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_2a811e-e7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_2a811e-e7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_2a811e-e7\"><div class=\"kt-inside-inner-col\"><style>.kadence-column3928_caa69c-89 > .kt-inside-inner-col{display:flex;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-xs, 1rem);padding-left:var(--global-kb-spacing-xs, 1rem);}.kadence-column3928_caa69c-89 > .kt-inside-inner-col,.kadence-column3928_caa69c-89 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_caa69c-89 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col > *, .kadence-column3928_caa69c-89 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_caa69c-89 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kt-row-column-wrap > .kadence-column3928_caa69c-89{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89 > .kt-inside-inner-col{align-items:flex-start;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column3928_caa69c-89 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_caa69c-89{position:relative;}.kadence-column3928_caa69c-89, .kt-inside-inner-col > .kadence-column3928_caa69c-89:not(.specificity){margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column3928_caa69c-89{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89 > .kt-inside-inner-col{align-items:flex-start;}}@media all and (max-width: 1024px){.kadence-column3928_caa69c-89 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column3928_caa69c-89 > .kt-inside-inner-col > *, .kadence-column3928_caa69c-89 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_caa69c-89 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column3928_caa69c-89{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_caa69c-89 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column3928_caa69c-89 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:stretch;flex-wrap:nowrap;}.wp-block-kadence-column.kb-section-dir-horizontal.kadence-column3928_caa69c-89 > .kt-inside-inner-col > .wp-block-kadence-infobox{align-self:unset;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_caa69c-89 kb-section-dir-horizontal kb-section-sm-dir-vertical\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Icon-3.svg\" alt=\"\" class=\"wp-image-3938\" style=\"width:48px\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c, .wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c[data-kb-block=\"kb-adv-heading3928_8c459f-8c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c[data-kb-block=\"kb-adv-heading3928_8c459f-8c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_8c459f-8c[data-kb-block=\"kb-adv-heading3928_8c459f-8c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3928_8c459f-8c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_8c459f-8c\"><br><\/h3>\n\n\n<style>.kadence-column3928_319782-c1 > .kt-inside-inner-col,.kadence-column3928_319782-c1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_319782-c1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_319782-c1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_319782-c1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_319782-c1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_319782-c1{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_319782-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_319782-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_319782-c1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86, .wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86[data-kb-block=\"kb-adv-heading3928_18a7c7-86\"]{line-height:1;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86[data-kb-block=\"kb-adv-heading3928_18a7c7-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_18a7c7-86[data-kb-block=\"kb-adv-heading3928_18a7c7-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading3928_18a7c7-86 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading3928_18a7c7-86\">BNPL fraud is growing fast; most controls aren\u2019t built to combat it<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec, .wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec[data-kb-block=\"kb-adv-heading3928_11381c-ec\"]{font-style:normal;color:#000000;}.wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec[data-kb-block=\"kb-adv-heading3928_11381c-ec\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_11381c-ec[data-kb-block=\"kb-adv-heading3928_11381c-ec\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_11381c-ec wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_11381c-ec\">BNPL now carries a fraud rate by value of 1.53% versus just 0.05% for cards. . This report explores why deferred payment journeys attract such criminal attention\u2026 and what retailers should prioritise next.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column3928_1c1923-03 > .kt-inside-inner-col{display:flex;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column3928_1c1923-03 > .kt-inside-inner-col,.kadence-column3928_1c1923-03 > .kt-inside-inner-col:before{border-top-left-radius:16px;border-top-right-radius:16px;border-bottom-right-radius:16px;border-bottom-left-radius:16px;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_1c1923-03 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col > *, .kadence-column3928_1c1923-03 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_1c1923-03 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kt-row-column-wrap > .kadence-column3928_1c1923-03{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03 > .kt-inside-inner-col{align-items:flex-start;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col{background-color:var(--global-palette9, #ffffff);}.kadence-column3928_1c1923-03 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_1c1923-03{position:relative;}.kadence-column3928_1c1923-03, .kt-inside-inner-col > .kadence-column3928_1c1923-03:not(.specificity){margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column3928_1c1923-03{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03 > .kt-inside-inner-col{align-items:flex-start;}}@media all and (max-width: 1024px){.kadence-column3928_1c1923-03 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:flex-start;justify-content:flex-start;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column3928_1c1923-03 > .kt-inside-inner-col > *, .kadence-column3928_1c1923-03 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column3928_1c1923-03 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column3928_1c1923-03{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column3928_1c1923-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column3928_1c1923-03 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;align-items:stretch;flex-wrap:nowrap;}.wp-block-kadence-column.kb-section-dir-horizontal.kadence-column3928_1c1923-03 > .kt-inside-inner-col > .wp-block-kadence-infobox{align-self:unset;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_1c1923-03 kb-section-dir-horizontal kb-section-sm-dir-vertical\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/test-wordpress.oneytrust.com\/wp-content\/uploads\/2026\/07\/Icon-2.svg\" alt=\"\" class=\"wp-image-3937\" style=\"width:48px\"\/><\/figure>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4, .wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4[data-kb-block=\"kb-adv-heading3928_98088e-d4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4[data-kb-block=\"kb-adv-heading3928_98088e-d4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_98088e-d4[data-kb-block=\"kb-adv-heading3928_98088e-d4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading3928_98088e-d4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_98088e-d4\"><br><\/h3>\n\n\n<style>.kadence-column3928_593762-95 > .kt-inside-inner-col,.kadence-column3928_593762-95 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column3928_593762-95 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column3928_593762-95 > .kt-inside-inner-col{flex-direction:column;}.kadence-column3928_593762-95 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column3928_593762-95 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column3928_593762-95{position:relative;}@media all and (max-width: 1024px){.kadence-column3928_593762-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column3928_593762-95 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column3928_593762-95\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17, .wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17[data-kb-block=\"kb-adv-heading3928_474d18-17\"]{line-height:1;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17[data-kb-block=\"kb-adv-heading3928_474d18-17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_474d18-17[data-kb-block=\"kb-adv-heading3928_474d18-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading3928_474d18-17 wp-block-kadence-advancedheading has-theme-palette-3-color has-text-color\" data-kb-block=\"kb-adv-heading3928_474d18-17\">Synthetic identities and behavioural fraud are reshaping retail risk<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2, .wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2[data-kb-block=\"kb-adv-heading3928_079851-d2\"]{font-style:normal;color:#000000;}.wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2[data-kb-block=\"kb-adv-heading3928_079851-d2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading3928_079851-d2[data-kb-block=\"kb-adv-heading3928_079851-d2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading3928_079851-d2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading3928_079851-d2\">Our data shows that 46% of confirmed fraud involves synthetic identity elements. Fraudsters increasingly combine legitimate customer signals with manipulated digital behaviour, making isolated transaction checks less effective. This report explores why retailers need better visibility of the bigger picture.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id3928_cca445-8f{margin-bottom:0px;}.kb-row-layout-id3928_cca445-8f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id3928_cca445-8f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id3928_cca445-8f > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1172px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:32px;padding-bottom:32px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3928_cca445-8f > .kt-row-layout-overlay{opacity:0.00;mix-blend-mode:normal;}.kb-row-layout-id3928_cca445-8f ,.kb-row-layout-id3928_cca445-8f h1,.kb-row-layout-id3928_cca445-8f h2,.kb-row-layout-id3928_cca445-8f h3,.kb-row-layout-id3928_cca445-8f h4,.kb-row-layout-id3928_cca445-8f h5,.kb-row-layout-id3928_cca445-8f h6{color:var(--global-palette9, #ffffff);}.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id3928_cca445-8f > .kt-row-column-wrap{row-gap:var(--global-kb-gap-lg, 4rem);padding-top:100px;padding-bottom:100px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id3928_cca445-8f > .kt-row-column-wrap{padding-top:50px;padding-bottom:50px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep{height:60px;}.kb-row-layout-id3928_cca445-8f .kt-row-layout-bottom-sep svg{width:100%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id3928_cca445-8f alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-blocks-carousel kb-blocks-bg-slider kt-carousel-container-dotstyle-dark\"><div class=\"kt-blocks-carousel-init splide kb-blocks-bg-slider-init kt-carousel-arrowstyle-none kt-carousel-dotstyle-dark\" data-slider-anim-speed=\"400\" data-slider-type=\"slider\" data-slider-scroll=\"1\" data-slider-arrows=\"false\" data-slider-fade=\"true\" data-slider-dots=\"true\" data-slider-hover-pause=\"false\" data-slider-auto=\"false\" data-slider-speed=\"7000\" data-show-pause-button=\"false\"><div class=\"splide__track\"><ul class=\"splide__list\"><li class=\"splide__slide kb-bg-slide-contain\"><div  class=\"kb-bg-slide kb-bg-slide-0\" style=\"background-color:var(--global-palette9, #ffffff); 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But retail fraud has shifted beyond the checkout into BNPL, returns, refunds, delivery abuse, loyalty theft and promotion exploitation. This report explores: If you operate high-volume ecommerce or retail journeys, this is an essential guide that will help you understand and&#8230;<\/p>","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_kad_blocks_custom_css":".splide__arrow svg {\n\tdisplay: none;\n}\n\n.splide__arrow {\n\theight: .5rem!important;\n\twidth: 8rem!important;\n}","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-3928","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2026 Annual Overview of Fraud in France | eBook<\/title>\n<meta name=\"description\" content=\"Card fraud is at a record low, but retail fraud has moved to BNPL, returns and loyalty abuse. 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