Custom Fraud Model - State Treasury

This report examines the gap between the protection consumers expect from retail banks and the trust they place in them.

• Shares 2026 findings on fraud, identity, biometrics and AI.
• Explores how mobile banking, security friction and invisible protections shape customer experience.
• Outlines ways banks can make protection more visible, explainable and controllable.

Explore the latest fraud, identity and consumer trust trends shaping e-commerce risk strategies.

• See how agentic commerce is reshaping shopping and fraud prevention.
• Uncover gaps between consumer security preferences and merchant strategies.
• Learn how merchants can build trust while reducing friction.

Explore our 2027 Data Breach Industry Forecast and the emerging risks shaping cybersecurity and consumer trust. 

• See how AI may reshape identity verification and fraud 
• Explore the rise of digital doppelgängers 
• Learn how consumer privacy behaviors may evolve 
• Understand why breach notifications may need a reset 

Prepare your organization to respond quickly and effectively to a data breach with a practical, end-to-end guide.

• Build and audit a cross-functional response plan. 
• Run drills for ransomware, vendor breaches, deepfakes and shadow AI. 
• Plan consumer notification, call center and identity protection support. 
• Navigate third-party risk, cyber insurance and regulatory requirements.