EBA Consumer trends report 2024/2025
The EBA report highlights payment fraud, driven by social engineering circumventing security, as the top concern for EU consumers. Rising indebtedness due to "Buy‑Now‑Pay‑Later" schemes and poor lending practices is the second key issue. Thirdly, unwarranted de‑risking limits vulnerable consumers' access to essential payment accounts. The EBA will consider actions in 2025/26 to address these issues and enhance EU consumer protection.