The general payment have been changed a lot and the change isn't finished yet. 10 years ago the online payment was a new innovation and completely new for the most people. Most of the people payed with cash, their credit card or sepa direct debit because they had fear before paying online or using another payment method. Today online payment is one of the common payment method and becomes more surer. Providers like PayPal secure every account with a lot of methods to prevent that foreign people get access to your account. Futhermore digital chash become more common in the community. It's still not accepted in the full community but a part of people are use it already. Their are a lot different kinds of digital cash like Bitcoin or Etherum. Additionaly it is possible to pay contactless. This inovitations and change are open new ways for fraudster.