A data-driven look at today's fraud trends and what financial organizations are doing to keep up
To understand how financial institutions are preparing for emerging fraud threats in the year ahead, Alloy partnered with The Harris Poll to survey over 500 fraud, risk, compliance, and technology leaders across four different segments: enterprise banks, regional/community banks, credit unions, and fintechs.
The 2026 State of Fraud Report provides financial organizations with a clear way to benchmark their fraud strategy, compare trends across different types of organizations, and understand how AI-enabled attacks are reshaping fraud risk management.
We’ve highlighted five key insights from the report below.
Fraud continued its steady rise this year, with the biggest increases reported by credit unions and regional/community banks.
A fifth of institutions absorbed over $5M in fraud losses last year, eroding the operating leverage many smaller financial institutions and fintechs depend on. When losses reach this scale, teams are forced to divert capital from growth initiatives toward recovery, write-offs, and remediation.
As more financial crimes are committed with AI, fraud teams are responding by equipping themselves with their own AI tools.
When financial organizations strengthen their fraud prevention strategy, they create the conditions for safer expansion.
Leaders link stronger fraud controls directly to deeper customer relationships, including higher levels of customer satisfaction and retention.
