Which financial crime risks are inherent to e-commerce platforms? (Select Four.)

Criminals exploit e-commerce platforms by fabricating sales transactions to layer and integrate illicit funds, making them a recognized vehicle for the placement and layering stages of money laundering.

Stolen payment card credentials are routinely used on e-commerce platforms to make unauthorized purchases, representing a direct and well-documented fraud typology inherent to the channel.

The speed, scale, and relative anonymity of e-commerce make these platforms inherently susceptible to refund fraud, account takeover, and synthetic identity fraud schemes.

E-commerce storefronts can be established as front businesses to commingle criminal proceeds with apparent legitimate revenue, facilitating the integration stage of money laundering.

Unregulated peer-to-peer lending is a separate financial product category with its own distinct risk profile and is not an inherent risk arising from e-commerce platform operations.

The use of foreign currency to mask proceeds is a general financial crime technique not specifically inherent to e-commerce platforms, which typically process standard payment card and digital wallet transactions.