欧盟史上科技金融诈骗最严监管行动，追责年40亿欧元损失，苹果面临“开放与安全”双重考验

Core Points - The European Union (EU) has issued inquiries to four major tech companies, including Apple, Booking, Microsoft, and Google, regarding their measures to prevent online fraud on their platforms [1][2] - The EU estimates that online fraud costs Europe over €4 billion annually, with a significant increase in complexity due to artificial intelligence [2] - Apple has claimed to have protected users from over $9 billion in fraud over five years, but reports indicate that fraudulent apps still evade scrutiny [3][5] - The EU's Digital Markets Act (DMA) now requires Apple to support third-party app stores, raising concerns about security challenges [6][9] - Violations of the EU's Digital Services Act (DSA) could result in fines up to 6% of global revenue, potentially exceeding $20 billion for Apple [7][9] - The rise of artificial intelligence complicates fraud detection, making it difficult for traditional methods to keep pace with increasingly sophisticated fraudulent applications [8][10] Summary by Sections Regulatory Actions - The EU is conducting its most stringent regulatory action against major tech companies regarding online financial fraud [1] - The inquiry focuses on how Apple and Google manage fraudulent applications in their app stores, while Booking.com is scrutinized for handling fake accommodation listings [1][2] Financial Impact - The EU's estimates highlight the significant financial losses due to online fraud, emphasizing the urgency for tech companies to enhance their fraud prevention measures [2] - Apple reported terminating over 146,000 fraudulent developer accounts and rejecting 1.9 million app submissions for security issues [3] Security Measures - Apple has expanded its anti-fraud initiatives and claims to monitor and investigate fraudulent activities daily [3][4] - The introduction of third-party app stores under the DMA poses new security challenges for Apple, which must now demonstrate its ability to manage these risks effectively [6][9] Legal and Financial Consequences - The potential fines under the DSA represent a significant financial risk for Apple and other tech companies, with the possibility of substantial penalties for non-compliance [7] - The EU's regulatory framework is evolving, and companies must adapt to meet the increasing demands for accountability in fraud prevention [8][10]