打击网络欺诈：一种系统防御方法（英）

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 interaction. 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 stakeholders.© 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 threat1.1 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 became 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 internet’s architecture was not built with the safeguards needed for today’s 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 resilience and collective action.Recognizing the need to rebalance responsibility for cybersecurity, the World Economic Forum’s Partnership against Cybercrime – together with the Institute for Security and Technology (IST) – led the Advancing Systemic Defence working group to fight phishing and cyber-enabled fraud. Building on the Partnership’s progress in fostering public–private operational collaboration, this effort seeks to advance shared responsibility throughout the digital ecosystem by stimulating coordinated action and required policy reforms by the key stakeholders. There is no single blueprint for addressing such a complex challenge, but there is growing global consensus on the urgency to act. This white paper contributes to that effort by presenting key insights and outlining targeted opportunities for systemic solutions. Its aim is not to attribute fault, but to translate this shared urgency into coordinated action – mobilizing governments, industry leaders and civil society to strengthen the collective capacity to prevent, protect against and mitigate cyber-enabled fraud across the digital ecosystem.Those who build and operate digital i