white paper
2026 State of Fraud Report
Fraud is rapidly reshaping the consumer banking landscape, and the pace of change is accelerating. With AI driving more sophisticated impersonation, synthetic identity, and cross-channel attacks, financial institutions are facing higher losses, greater operational complexity, and rising expectations from customers who want seamless experiences and strong protection.
Alloy’s 2026 State of Fraud Report offers an in-depth look at how leading banks are responding to these pressures. Based on insights from hundreds of financial institutions across the country, the report breaks down how fraud evolved in 2025, where institutions are most exposed, and the strategies banks are prioritizing to strengthen trust and fuel growth in 2026.