At A Glance
Our U.S. Identity and Fraud Report explores how the convergence of fraud, artificial intelligence and digital identity is reshaping trust.Artificial intelligence (AI) is transforming the fraud landscape, and businesses are feeling the pressure.
From deepfake scams to synthetic identities, fraud is becoming more sophisticated while consumers expect faster, safer digital experiences. Our 2026 Identity and Fraud Report reveals how organizations are adapting and what it will take to build digital trust in the years ahead.
Here are five insights shaping the future of fraud prevention:
1. Fraud is becoming everyone’s problem
Fraud is no longer just a security issue; it’s a business issue.
- 60% of businesses say fraud losses have increased.
- 19% of consumers experienced financial loss from online fraud in the past year.
- 86% of consumers expect businesses to take responsibility for protecting them from fraud.
2. AI is fueling a new generation of scams
Consumers are increasingly aware of AI-powered fraud.
- 60% have heard of AI-generated fake images or videos used in scams.
- 53% are aware of AI-generated phishing attacks.
- More than half are very or extremely concerned about AI-enabled scams.
3. Customers want security without friction
Consumers are willing to verify their identity, but only when it makes sense.
- 84% will complete additional security steps if they help prevent fraud.
- 71% say it’s important for businesses to accurately recognize them online.
- 46% are more likely to trust businesses that recognize them without repeated authentication.
4. Businesses are investing in identity intelligence
Organizations are modernizing fraud prevention with AI and adaptive identity solutions.
- 80% of businesses already use machine learning or generative AI in fraud management.
- 93% express confidence in adaptive risk-based authentication.
- 91% have confidence in emerging “Know Your Agent” capabilities as AI-powered commerce evolves.
Access the full report
Download the full report to explore the key findings, discover actionable recommendations, and learn how your organization can prepare for the next generation of fraud and identity challenges. If you want to go further in depth, watch our recent webinar as Experian fraud experts dive furthe into the findings and how you can better protect your business and your customers.
Want to go deeper? Watch our recent webinar, where Experian fraud experts take a closer look at the findings, share their perspectives on what they mean for businesses, and discuss strategies to help you better protect your organization and your customers.
