A recent study by Zach Meyers, commissioned by the Computer & Communications Industry Association (CCIA Europe), has raised concerns regarding the European Union's proposed Payment Services Regulation (PSR). The research suggests that the amendments to the PSR, introduced by Members of the European Parliament, might inadvertently facilitate scams targeting consumers.

The study highlights potential disruptions to current fraud-prevention strategies, which depend on collaboration among banks, online platforms, and telecom providers. Meyers warns that the proposed changes could make these entities liable for compensating fraud victims. This liability could lead to blame-shifting rather than cooperation, potentially discouraging vital information-sharing across industries and weakening overall fraud defenses.

The report also draws on data from the Netherlands and the UK to point out that automatic reimbursement policies may reduce consumer vigilance and incentivize fraudulent claims. In response to these findings, CCIA Europe is urging EU lawmakers and Member States—who have yet to reach a common stance—to promote cross-industry cooperation instead of adopting a blame-shifting approach to handling fraud liability.