All posts by Toby Sewell, Global Product Marketing Manager

The Global Fraud Snapshot 2025 draws on extensive research from across the UK, US, EMEA, APAC, and Brazil to uncover how consumer behaviour, technological change, and business strategies are shaping this year’s fraud landscape. Global Fraud Snapshot 2025 Here’s what we found: Fraudsters are exploiting new technologies at unprecedented scale, while consumers demand stronger, more transparent protections. As a result, businesses are caught between defending against increasingly complex attacks and delivering seamless digital experiences. Consumer awareness is high while trust remains low Almost 80% of consumers in the UK and US are aware of online scams, and in Brazil, more than half of consumers report having been victims of fraud. Despite this, confidence is low. Fewer than a third of UK and US consumers believe businesses are transparent about how their data is used, or that they can reliably identify them online. The trust gap is widening, and businesses are under pressure to respond. Security over convenience: what consumers expect Consumers consistently place security above convenience or personalisation in digital experiences. Globally, consumers believe businesses must act decisively to protect their identities and online transactions, and many are willing to share more personal data if it results in stronger safeguards – 76% of UK consumers and 65% of US consumers say they would do so if it improved protection. Biometrics continues to be the most trusted authentication method, signalling the continued expectation for frictionless yet robust security. AI investment priorities in a GenAI-driven fraud landscape For businesses, fraud attack volumes are increasing, driven by the rise in generative AI (GenAI), which is accelerating the creation of synthetic identities, fuelling a surge in identity theft, and enabling more sophisticated authorised push payment (APP) scams. Across every region, AI and machine learning (ML) have moved to the top of the investment agenda to tackle these growing fraud threats, with the UK and US citing GenAI as a key priority for investment in authentication. Both the UK and US are also prioritising the adoption of new analytics methods and the development of new AI models to enhance customer decision-making. In addition, more than half of UK business respondents are targeting investment in the detection and prevention of synthetic identity fraud, while in the US, 63% cite APP fraud prevention as a priority. In EMEA and APAC, the liability shift for APP fraud is accelerating investment in stronger defences. Convergence of fraud, credit risk and anti-money laundering (AML) The snapshot also highlights a structural shift: fraud prevention is no longer a standalone discipline. 65% of businesses in EMEA/APAC and 60% in the UK are now integrating fraud and anti-money laundering (AML) operations. Increasingly, credit risk is being brought into the fold as well, reflecting a broader move toward unified risk management. The convergence of typically siloed functions helps businesses build a more accurate picture of risk exposure - detecting fraud disguised as defaults or chargebacks, identifying credit risk patterns linked to financial crime, and improving overall decisioning across the customer lifecycle. What businesses should do next Closing the trust gap requires bold, strategic action. Businesses must: Invest in AI and advanced analytics to remove false positives and stay ahead of increasingly complex threats. Adopt a multi-layered strategy through fraud orchestration to remove silos and reduce friction while strengthening protection. Integrate fraud, credit risk, and AML functions for a unified view of risk. Prioritise transparency around data use to rebuild consumer confidence. Educate consumers to raise awareness of scams and reinforce trust in digital experiences. Read the Global Fraud Snapshot 2025: