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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Report
Fraud Attack Strategy Guide
Explore how modern fraudsters use coordinated, strategic attack methods—and learn how to detect, disrupt and prevent them using behavioral intelligence and real-time insights.
Key insights:
- Fraudsters use structured attack strategies like reconnaissance, blitzes and deception to exploit weaknesses
- AI-driven bots and automation are rapidly increasing the scale and speed of fraud attacks
- Behavioral analytics reveals hidden fraud signals traditional tools miss
- Early detection and layered defenses help stop attacks before they escalate
Report
The imposter in the session: The hub and the hive
Uncover a coordinated account takeover fraud ring in action and learn how it was stopped using behavioral, device and network intelligence.
Key insights:
- Fraud rings operate with structured roles to efficiently execute account takeover attacks
- Compromised accounts can be connected across devices, revealing coordinated activity
- Behavioral, device and network intelligence expose fraud signals traditional tools miss
- Stopping ATO requires identifying and dismantling the full fraud ring, not just individual logins
Webinar
Convergence of consumer and commercial fraud prevention
In this webinar, Experian experts explore how organizations can apply proven consumer fraud prevention tactics to strengthen commercial lending defenses.
What you'll learn:
- How consumer fraud strategies can be adapted for commercial use cases
- Where commercial lending is most exposed and how to mitigate risk
- How shared signals across identity, behavior and devices can improve detection
Infographic
Creating a Modern, Embedded Customer Experience
Discover a faster, more efficient way to bring financial wellness and privacy solutions to market. Learn how to:
- Deliver in-demand financial wellness and identity protection solutions.
- Accelerate build and integration with developer-friendly tools.
- Launch experiences that drive engagement from day one, not months later.
- Continuously optimize through partnership, insight and iteration.