Report
Traversing Trust, Technology and the Shifting Identity Landscape
Published July 31, 2025
Fraud Management Identity
Experian’s tenth annual Identity & Fraud Report unpacks the major trends reshaping identity, fraud, and digital trust in 2025. Based on insights from over 2,000 U.S. consumers and 200 business leaders, this year’s findings offer a clear-eyed view of what’s driving concern, where expectations are shifting, and how organizations must evolve to stay ahead.
Key takeaways include:
- Fraud is growing—and changing fast: Nearly 60% of U.S. businesses report higher fraud losses in 2025, driven by more sophisticated attacks and legacy security gaps.
- Trust is earned, not assumed: Only 13% of consumers feel fully secure opening new accounts—yet 40% say strong identity experiences build trust.
- AI is both a weapon and a shield: 72% of businesses expect AI-generated fraud to be a top challenge, even as more invest in AI to fight back.
- Consumer fears remain high: Identity theft (68%) and stolen credit card data (61%) top the list of consumer concerns—for the second year running.
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Video
Comprehensive fraud prevention
Fraud doesn’t happen in silos — and neither should your defense.
Watch this product demo to see how Experian’s connected fraud prevention solution brings behavioral analytics, identity verification and digital intelligence together to:
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- Validate identities in real time
- Assess device, phone and email integrity
- Unify fraud signals across the customer journey
Webinar
Identity and fraud insights for merchants
Consumers expect convenience online, but fraud concerns continue to challenge retailers’ ability to deliver frictionless experiences. In this on-demand webinar, you’ll learn:
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- Proven strategies to stop fraud without slowing down transactions
Infographic
Safeguarding home equity lending with Experian
Home equity lending is shifting fast and hidden risks could be costing you.
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From Manual to Modern: Data Best Practices
Learn how background screeners can modernize employment verifications and improve outcomes:
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