Can my Apple ID be used by cyber criminals to purchase things online ?

My actual Question is “ can my iPhone Apple Pay be scammed and use for online purchase without my knowing ?”. In short I am a victim of online fraudulent trade which I never did. But the bank claims that it was from my Apple Pay and my id ?? I am totally unaware about it until I was billed . Pls help .

Yes in theory it is not possible to create my Apple Pay environment on another Apple Device. In reality I was hit by one cybercriminal who could have made Apple Pay transaction NOT on my iPhone and transacted a purchase billed to my credit card. I let Apple Care expert to drill into my iPhone for transaction records, the Apple Care consultant couldn’t find any of the transaction activities related to the purchase which I didn’t make via my Apple Pay. There was no 2FA taken place on my iPhone for the said unauthorised Apple Pay transaction. The bank recorded one bill payment of $1000 made in Dubai, by using my Apple Pay. I am based in S’pore and I never ever visited Dubai before. That’s my unfortunate case.