Fraud wants a 24-hour hold on every first P2P payment to a new payee, and Product strongly opposes it. We see about 50,000 first-time payee payments a month, P2P fraud losses run about $500K a month, and 60% of that comes from first payments to new payees. As the BA, how do you move this forward?

反欺诈团队要求所有给新收款人的首笔 P2P 转账都冻结 24 小时，产品团队坚决反对。每月这类首笔转账大约 5 万笔，P2P 欺诈损失大约 50 万美元，其中六成发生在给新收款人的首笔转账上。你作为 BA 怎么推进？