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1、Fighting Cyber-Enabled Fraud:A Systemic Defence ApproachW H I T E P A P E RD E C E M B E R 2 0 2 5In collaboration with the Institute for Security and Technology(IST)Images:Unsplash+Disclaimer This document is published by the World Economic Forum as a contribution to a project,insight area or inter

2、action.The findings,interpretations and conclusions expressed herein are a result of a collaborative process facilitated and endorsed by the World Economic Forum but whose results do not necessarily represent the views of the World Economic Forum,nor the entirety of its Members,Partners or other sta

3、keholders.2025 World Economic Forum.All rights reserved.No part of this publication may be reproduced or transmitted in any form or by any means,including photocopying and recording,or by any information storage and retrieval system.ContentsForewordExecutive summaryIntroduction1 State of the threat1

4、.1 Criminals exploit digital infrastructure services at scale2 A systemic defence approach2.1 Prevention2.2 Protection2.3 MitigationConclusionAppendix:GlossaryContributorsEndnotes345791112151821222428Fighting Cyber-Enabled Fraud:A Systemic Defence Approach2ForewordThree decades after the internet be

5、came publicly available,digital connectivity has become as vital to societies as physical infrastructure enabling economic growth,social inclusion and innovation on a global scale.Originally designed to foster openness and collaboration among researchers,the internets architecture was not built with

6、 the safeguards needed for todays scale and complexity.This gap has created a digital environment that,while enabling unprecedented opportunity and growth,also exposes individuals and organizations to increasingly sophisticated threats such as frauds and scams underscoring the need for systemic resi