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
Uncovering and preventing large scale ATO and scams
Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.
What you’ll learn:
- How fraudsters exploit vulnerabilities in login defenses
- The operating structure of a real-world ATO fraud ring
- Keys to stopping coordinated attacks in real time
White Paper
Elevating customer lifetime value: the power of connection
Explore how you can reframe engagement as a growth strategy and use CLV as a leading indicator of sustainable profitability.
Learn how to:
- Move beyond one-size-fits-all tools and experiences.
- Meet customer expectations for financial wellness and identity protection.
- Accelerate time-to-market with modern, embeddable solutions.
- Deliver a cohesive customer experience that drives growth.
Tip Sheet
Closing the gaps: fraud prevention across the customer lifecycle
This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:
- Reduce first-payment default and bust-out fraud
- Detect synthetic identities earlier
- Improve prescreen and campaign ROI
- Strengthen account management decisions
eBook
Protecting your digital house: A multilayered fraud strategy
Learn how a multilayered fraud strategy can help organizations protect every digital entry point and stop fraud earlier in the journey.
Key insights:
- Learn how behavioral analytics, identity verification and risk signals can stop fraud early.
- Explore how device, network, phone and email intelligence can strengthen defenses.
- See how step-up verification can help block high-risk actions and prevent fraud losses.