{"id":1645,"date":"2025-07-11T16:08:35","date_gmt":"2025-07-11T14:08:35","guid":{"rendered":"https:\/\/www.oneytrust.com\/?p=1645"},"modified":"2025-07-11T16:08:36","modified_gmt":"2025-07-11T14:08:36","slug":"25-years-of-fighting-fraud-retrospective-changes-and-the-future-of-e-commerce","status":"publish","type":"post","link":"https:\/\/www.oneytrust.com\/it\/25-years-of-fighting-fraud-retrospective-changes-and-the-future-of-e-commerce\/","title":{"rendered":"25 years of fighting fraud: retrospective, changes and the future of e-commerce"},"content":{"rendered":"<h3 class=\"wp-block-heading\"><strong>From the rise of the Internet to the age of AI: 25 years of change<\/strong><\/h3>\n\n\n\n<p>E-commerce has grown by leaps and bounds since the early 2000s, and with it, fraud has continued to evolve. According to the FEVAD figures communicated at this Round Table, 72% of e-retailers are profitable or break-even, which clearly shows that e-commerce is a profitable business. And e-commerce is also a job creator, with 41% of e-retailers having created jobs by 2024.<\/p>\n\n\n\n<figure class=\"wp-block-video\"><video controls src=\"https:\/\/www.oneytrust.com\/wp-content\/uploads\/2025\/07\/table-ronde_v3-360p.mp4\"><\/video><figcaption class=\"wp-element-caption\">Table Ronde Oneytrust du 19 juin 2025, retrospective et perspective du e-commerce ces 25 derni\u00e8res ann\u00e9es<\/figcaption><\/figure>\n\n\n\n<p><strong>2000-2005: the beginnings of e-commerce<\/strong><\/p>\n\n\n\n<p>The arrival of the Internet in homes marked the start of a new consumer channel. The first e-commerce sites appeared, often with little security. Fraudulent behaviour remained small-scale, but was already a cause for concern.<\/p>\n\n\n\n<p><strong>2005-2010: the boom in e-commerce\u2026 and fraud<\/strong><\/p>\n\n\n\n<p>E-commerce becomes more democratic with the rise of marketplaces and the first major peaks in online consumption. At the same time, fraud is becoming more structured, targeting payments and technical flaws.<\/p>\n\n\n\n<p><strong>2010-2015: the social networking effect and the expansion of fraud profiles<\/strong><\/p>\n\n\n\n<p>Facebook, Instagram and other platforms are giving rise to new uses\u2026 but also new vectors for fraud. Content linked to fraudulent methods is becoming accessible to everyone. The profile of fraudsters is changing, from organised networks to everyday opportunists.<\/p>\n\n\n\n<p><strong>2015-2020: regulation, PSD2 and increasingly complex payment transactions<\/strong><\/p>\n\n\n\n<p>The entry into force of PSD2 in Europe (Payment Services Directive) requires strong authentication. The aim is to make payments more secure. As a result, fraudsters are moving to other areas (PayPal disputes, neo-banks, refunds, etc.). Human error is becoming a major target.<\/p>\n\n\n\n<p><strong>2020-2025: industrialisation, cybercrime and AI<\/strong><\/p>\n\n\n\n<p>The boundaries between fraud and cybercrime are becoming blurred. Attacks are becoming more professional, and fraudsters&#8217; tools are becoming ultra-technical, sometimes doped with AI.<\/p>\n\n\n\n<p>At the same time, merchants are having to cope with tighter regulation (BNPL, consumer credit framework), ever more demanding customer journeys, and increasing pressure on security\u2026 without compromising the user experience.<\/p>\n\n\n\n<p>\ud83e\udde0 <strong>The next 25 years: human intelligence at the heart of the battle<\/strong><\/p>\n\n\n\n<p>The next few years promise to be just as decisive. Deepfake, synthetic identities, behavioural fraud and offensive AI are shaking things up.<\/p>\n\n\n\n<p>But one thing remains certain: it is human intelligence that will make the difference. Where automated models can be fooled by a synthetic identity, the human expertise built into our approach can detect anomalies.<\/p>\n\n\n\n<p>\ud83d\ude80 <strong>Why merchants need to (re)think their anti-fraud strategy<\/strong><\/p>\n\n\n\n<p>With fraudsters becoming ever more equipped, merchants&#8217; anti-fraud strategy can no longer rely solely on technology or compliance.<\/p>\n\n\n\n<p>The keys to effective fraud prevention today :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Combine technical and behavioural approaches<\/li>\n\n\n\n<li>Work with partners who are familiar with emerging patterns<\/li>\n\n\n\n<li>Anticipating regulatory changes (DSP3, IA Act, consumer credit, etc.)<\/li>\n\n\n\n<li>Combining business performance and security<\/li>\n<\/ul>\n\n\n\n<p>It is with this in mind that Oneytrust has been working with the biggest e-commerce players for 25 years. <\/p>\n\n\n\n<p><strong>Our mission: to create trust, without friction.<\/strong><\/p>\n\n\n\n<p>\ud83d\udc49 <strong>Would you like to find out more about our anti-fraud solutions?<\/strong><\/p>\n\n\n\n<p>Please contact us.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.oneytrust.com\/fr\/contact\/\">Meet our fraud experts<\/a> and find out how Oneytrust can turn your security into a competitive advantage.<\/p>\n\n\n\n<p>The future of e-commerce is being built today. Together, let&#8217;s build it on trust.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>From the rise of the Internet to the age of AI: 25 years of change E-commerce has grown by leaps and bounds since the early 2000s, and with it, fraud has continued to evolve. According to the FEVAD figures communicated at this Round Table, 72% of e-retailers are profitable or break-even, which clearly shows that&#8230;<\/p>","protected":false},"author":3,"featured_media":1659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_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,"footnotes":""},"categories":[6,1],"tags":[34,36,33,31,29,30,32,27,35,26],"class_list":["post-1645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expertise","category-general","tag-bnpl","tag-cybercirminalite","tag-dsp3","tag-ecommerce","tag-fevad","tag-galerieslafayette","tag-ia","tag-identitesynthetique","tag-internet","tag-luttecontrelafraude"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oneytrust\u202f\u2013 25 years of fight against fraud<\/title>\n<meta name=\"description\" content=\"On 19th of June 2025, Oneytrust celebrated 25 years of expertise in fight against fraud. 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