At A Glance
Explore the 2026 Fintech Identity and Fraud Report for insights on AI-driven fraud threats, identity protection and the evolving fintech fraud landscape.
Fintechs are widely known as the most digitally sophisticated financial services organizations. However, as artificial intelligence (AI) advances, fintechs reported the highest level of fraud concern and increased exposure to emerging fraud threats. Our inaugural Fintech Identity and Fraud Report covers how fintechs can prioritize the right investments and effectively balance protection with customer experience to meet consumer expectations and business goals.
What’s in the report?
Impact of the explosion in digital consumer behavior
As consumers continue to increase their digital engagements, it creates a steady path for fraud to follow. Additionally, consumers are becoming more aware of these threats and have high expectations for organizations to protect their sensitive information.
Top fraud threats and operational challenges
Fintechs faced more advanced fraud attacks than any other industry surveyed, increasing operational stress on their businesses and mounting pressure on their fraud systems.
Results of rapidly expanding AI threats
Data shows that consumer concern about advanced AI fraud is increasing, and their awareness is expanding beyond traditional financial scams. Fintechs have the highest level of concern over GenAI-related fraud, making it a top concern for this year.
Shift from reactive to proactive fraud prevention
Fintechs are actively responding to advancements in GenAI-driven fraud and leading key investments in their fraud stacks to stop these emerging threats.
Balancing act of protection vs. cusomter experience
Fintechs know how important the customer experience is to their success and are looking for the best solutions to deliver strong protection without making security feel heavier.
Staying ahead with Experian
As fintechs move toward more intelligence-driven and AI-enabled fraud ecosystems, staying ahead requires more than adopting the latest technology. It means making the right investments, prioritizing the most impactful capabilities and connecting data, analytics and decisioning across the customer journey.
We help fintechs bring these elements together to build a more confident digital identity ecosystem, one that can adapt as fraud evolves while supporting seamless customer experiences and sustainable growth.
