关于欺诈未来的 8 个惊人预测

关于欺诈未来的 8 个惊人预测
8 Frightening Forecasts For The Future Of Fraud

原始链接: https://www.zerohedge.com/technology/8-frightening-forecasts-future-fraud

到 2026 年，企业预计人工智能和自动化技术的进步将引发更为复杂的欺诈浪潮。根据《Sumsub 2025 年欺诈报告》，生物识别欺诈是主要担忧，67% 的受访企业预计，随着犯罪分子利用深度伪造技术（deepfakes）攻击人脸识别和语音验证，此类欺诈将会增加。合成身份欺诈（将真实与虚假数据相结合以绕过安全防线）预计也将呈上升趋势，56% 的受访者对此表示担忧。此外，44% 的企业预测人工智能驱动的进阶攻击将会增加，包括伪造文件和人工智能生成的虚假资料。这些威胁因持续的数据泄露而加剧，因为这些泄露为身份盗窃提供了原材料，同时全球有组织网络犯罪网络的工业化也推波助澜。为应对这一不断变化的局势，企业必须从被动措施转向主动的实时风险监控。利用机器学习、行为分析和自适应验证系统，对于企业抵御规模化且极具欺骗性的欺诈手段至关重要。

原文

Fraud is entering a new era. Businesses across North America expect fraud trends like biometric fraud, deepfake scams, and synthetic identities to become more common in 2026 as criminals adopt faster and more sophisticated tools.

This visualization, created by Visual Capitalist's Julia Wendling, in partnership with Inigo for the Fraud in Data campaign’s sixth post, uses data from the Sumsub Fraud Report 2025 to explore the fraud trends businesses believe will shape the future of digital risk.

Biometric Fraud Could Become the Biggest Threat

Surveyed businesses expect biometric fraud to rise the most, with 67% predicting an increase. As companies rely more on facial recognition, voice authentication, and remote onboarding, fraudsters are finding new ways to exploit those systems.

Deepfake technology is already making identity verification harder. In the future, AI-generated videos, cloned voices, and stolen biometric data could make fraud attempts more convincing and more scalable than ever before.

Businesses also expect synthetic identity fraud to grow, with 56% anticipating a rise. Criminals are increasingly combining real and fake information to create identities that can bypass traditional fraud checks.

AI and Deepfakes Are Changing Fraud Trends

Businesses expect fraud attacks to become more automated in 2026. Around 44% predict increases in advanced AI-driven attacks, deepfake scams, and forged identity documents.

Another 33% expect AI-generated fake profiles to rise as fraudsters use generative AI tools to impersonate real users online. These scams could become faster to produce and harder to detect across financial services, ecommerce, and digital platforms.

As fraud tactics evolve, businesses may need to shift from reactive fraud prevention toward real-time risk monitoring powered by machine learning and behavioral analysis.

Data Breaches Will Continue to Fuel Identity Fraud

Data breaches are expected to remain a major source of fraud risk. About 33% of businesses anticipate more identity theft linked to stolen personal data.

Organized fraud networks are also expanding, according to 22% of respondents. As cybercriminal groups become more coordinated, fraud operations could become increasingly global and industrialized.

The Future of Fraud Trends

Companies that invest in adaptive verification systems, stronger cybersecurity, and understand the data around fraud prevention may be better positioned to respond to the next generation of threats.