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Research Paper | Business Administration | Volume 14 Issue 12, December 2025 | Pages: 2460 - 2466 | United States
Federal vs. Platform Responsibility in Preventing Digital Fraud: The Case of Online Dating and FinTech Apps
Abstract: In 2024, the convergence of social interaction platforms and financial technologies became a trigger for a large-scale crisis of digital trust, manifested in the de facto industrialization of romantic fraudulent practices and the increased complexity of abuse models associated with chargebacks. The conducted analysis records a shift in emphases in legal regulation and, as a consequence, in the construction of legal liability: the traditionally strong protective framework of the immunity of Section 230 of the Communications Decency Act (USA) is compared with a regulatorily opposite model in its logic, namely a proactive duty of care institutionalized in the United Kingdom Online Safety Act 2023 (OSA) and the EU Digital Services Act (DSA). Based on an interpretation of fraud statistics for 2024, reflecting a 25% increase in consumer losses to $12.5 billion, and incorporating the case of Social Discovery Group (SDG), the conclusion is substantiated that the automation of dispute resolution procedures and the application of machine learning tools have ceased to be merely a means of operational optimization and have transformed into the only normatively justified protection mechanism under conditions of pronounced regulatory turbulence. The obtained results indicate that the deployment of a Compliance-by-Design architecture provides platforms with a 33% reduction in operational costs for chargeback processing and forms resilience to adversarial impacts on AI models, including targeted data poisoning.
Keywords: Digital fraud, Platform liability, FinTech, Online dating, Friendly Fraud, Pig Butchering, Section 230 CDA, Dispute automation, Machine learning, Adversarial attacks
How to Cite?: Inna Simonova, "Federal vs. Platform Responsibility in Preventing Digital Fraud: The Case of Online Dating and FinTech Apps", Volume 14 Issue 12, December 2025, International Journal of Science and Research (IJSR), Pages: 2460-2466, https://www.ijsr.net/getabstract.php?paperid=SR251202093150, DOI: https://dx.dx.doi.org/10.21275/SR251202093150