2025 EMEA state of fraud and abuse — luxury goods

The 2025 EMEA State of Fraud and Abuse report highlights increasing fraud pressure within the luxury goods sector, despite a surprising decline in consumer policy abuse. Luxury goods remain prime targets due to their high value, with fraudsters shifting tactics post-strong customer authentication (SCA) implementation, focusing on account takeovers and fraudulent returns. Signifyd’s Fraud Pressure Index shows a 46% year-over-year increase in fraud-related gross merchandise value (GMV) in EMEA, while the Consumer Abuse Index reveals a slight 1% decrease in consumer abuse, signaling a complex fraud landscape.

• Fraud pressure in EMEA increased by 46% in GMV and 20% in transaction count, indicating a rise in risky orders across industries.
• Consumer policy abuse, including returns and reseller fraud, declined by 51% in luxury goods GMV, though this trend varies by industry.
• Fraudsters are now targeting multiple points in the shopper journey, beyond checkout, especially focusing on high-value luxury items.

European luxury merchants must stay vigilant in 2025, as the fraud environment intensifies. Every transaction holds potential risk, emphasizing the need for robust fraud prevention strategies to protect against evolving threats targeting luxury goods.