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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Webinar
Fraud or Financial Distress: Detecting Risk Early
First-party fraud can look like traditional credit risk, but the intent behind the behavior is very different. In this on-demand webinar, Experian experts show how to use early performance, identity and behavioral signals to distinguish fraud from genuine financial distress and improve portfolio outcomes.
- Learn how first-party fraud hides inside “normal” credit losses
- See which early behaviors signal deceptive intent versus hardship
- Understand how to align fraud, credit and collections strategies
- Explore practical use cases from leading financial institutions
Webinar
Protecting Employees’ Identities and Financial Wellbeing
Experian experts discuss how companies are integrating credit education, identity protection, and financial wellness into their employee benefits offerings.
Watch our on-demand webinar to discover:
- Why traditional benefits are no longer enough.
- How to deliver all-in-one financial protection.
- Real-world results from Experian-powered solutions.
- What your employees really want from their benefits.
Report
Protecting Paychecks and Identities
Learn how you can move beyond single-point employee benefit solutions and embrace a more holistic approach that combines:
- Credit education to help employees understand and take control of their credit health
- Financial wellness tools to support budgeting and day-to-day financial confidence
- Identity protection to safeguard what employees have worked hard to build
Infographic
2026 Future of Fraud Forecast
Download Experian’s 2026 Future of Fraud Forecast to explore five fraud trends expected to have the biggest impact on businesses and consumers in the coming year, including:
- Agentic AI and machine-to-machine fraud
- Deepfake-driven employment fraud
- Smart home device exploitation
- Website cloning and emotionally intelligent fraud bots