The news is full of headlines about major cyberattacks, from ransomware crippling hospitals to data breaches exposing millions of customer records. These are dramatic events with clear victims and a definitive moment of impact. But another, equally damaging threat operates quietly in the background: digital fraud. Unlike a sensational cyberattack, digital fraud rarely makes the front page, even as it costs businesses and individuals billions of dollars each year.
So, why does digital fraud avoid the spotlight?

Another day, another regulation? Not quite. The upcoming Payment Services Directive 3 (PSD3) isn't just a minor update; it's a significant evolution in the European Union's fight against financial fraud. For consumers, it promises a smoother yet more secure payment experience. For businesses, it's a clear signal: it's time to level up your fraud prevention game. As a fraud consultant, I've seen how fraudsters exploit the smallest gaps. PSD3 aims to plug some of the most critical ones. Let's break down what's changing and how you can prepare.