(() => {const a = document.createElement('div');a.className = 'vev';a.attachShadow({ mode: 'open' });const b=a.shadowRoot || a;b.innerHTML="Everything you need to know about the state of online fraud in 2025 - and what you can do to prevent it.
veriff identity fraud report
Welcome to Veriff’s 2025 Identity Fraud Report, our annual investigation into the state of online fraud. Drawn from deep analysis of our customer data and our field research over the last 12 months, this report is our most comprehensive yet and covers more industries, regions, fraud types, and use cases than ever before.
With so much data at our disposal - our AI-powered engines and fraud teams mitigate many thousands of attempts to infiltrate our customers’ systems on a daily basis - there are numerous narratives to discuss here. But, no matter whether we break things down by geographic region, industry, or fraud type, the main story is one that is predictably and sadly familiar: online fraud is on the rise.
In fact, our main takeaway is that online fraud increased by 21% year-on-year since our 2024 report.
Ira Bondar, Senior Fraud Group Manager, Veriff
verification attempts we encountered in 2024 involved someone pretending to be someone else. Imagine the financial loss corporations would have incurred had we not been there to catch these.
And that comes on the back of a 20% year-on-year increase the year before that, demonstrating that the continued increase in digitization - with more and more of our lives lived online - is creating evermore new opportunities for online fraudsters.
But fraud is not only becoming more common. It is also increasing in sophistication, with artificial intelligence enabling fraudsters to develop new methods of attack. The proliferation of these tools, and the fact that it is relatively cheap to develop them, has led to fraud-as-a-service becoming one of the major growth industries of the last 12 months.
What’s clear to me is that fighting fraud on so many fronts requires all the tools in the box. One tool in isolation will simply never be enough to counter the multitudinous fraud threat that exists in the modern digital world. And that’s where Veriff comes in. Our solutions provide a fraud-prevention ecosystem and the network effect of our diverse customer base enables us to be constantly alert to emerging fraud threats and on the front foot when it comes to thwarting them.
We turn technological advances to the customer’s advantage, using AI-based technology, biometrics, and a database of approximately 12,000 identity documents to offer quick – yet secure – identity verification.
Data needn’t be scary – on the contrary, it’s an extremely effective tool in rooting out dangers, and we use our global view of identity verification sessions to catch fraudsters who move from target to target.
We combine risk signals from multiple points, building actionable intelligence and strategies.
The tools you need to fight fraud in 2025:
AI, biometrics, and computer vision are not just threats: they are advantages. We combine technology with human expertise to build robust defenses.
Our customer base spans every corner of the globe and every industry that requires end-user verification. This creates a network effect where we can see fraud trends in real time as they emerge and provides safety in numbers to our customers.
The threat is advancing all the time – but so are our defenses. By combining robust IDV technology with human expertise, we can beat fraudsters, building a secure – yet convenient – user experience.
Read on to discover more about how online fraud has evolved throughout 2024 - and what businesses of all sizes can do to stop it.
The main findings from our 2025 Identity Fraud Report are:
The main findings from our 2024 Identity Fraud Report are:
The fraud challenge is increasing
Unfortunately, what we call the net fraud fate - that is, the sum of all types of fraud combined - remains high. According to our data, 5% of all verification attempts were fraudulent in 2024. This number confirms what we discovered in our consumer research carried out as part of our Fraud Index throughout 2024, where almost half of our respondents (47.55%) said that they had experienced some kind of fraudulent online activity over the past 12 months.
Financial services, where there are the richest of pickings for fraudsters, remains one of the industries most likely to be targeted by fraudulent attacks. Authorized fraud - where a user is tricked into performing an identity verification session - is orders of magnitude more prevalent for banks, crypto platforms, payments providers, and other fintech platforms, coming in at more than double the global average.
Fraudsters target ecommerce platforms
There was only one industry with more authorized fraud than financial services: ecommerce. This was the number one industry to suffer at the hands of authorized fraud scams - and by a considerable margin: more than 18 times the global average. The rewards for fraudsters are arguably as great in ecommerce as they are in financial services, with millions of dollars changing hands between merchants and customers every day, and many ecommerce platforms still operating with much lighter fraud defenses.
Account takeover and multi-accounting are on the rise
Account takeover, where cybercriminals take ownership of online accounts using stolen passwords and usernames, and multi-accounting, the practice of opening multiple accounts to take advantage of promotions or playing bonuses, both saw a huge surge in 2024. Account takeover cases increased by 13% compared to 2023 and multi-accounting saw a 10% year-on-year increase.
Impersonation attacks still dominate
Impersonation fraud amounted to more than 82% of all the fraudulent attempts we saw this year. 16% of all fraud cases in 2023 involved people presenting altered, counterfeit, and fabricated documents, which was similar to last year. However, there was also a startling rise of adversary-in-the-middle attacks, a type of cyberattack where cybercriminals intercept, relay or alter the communication between two parties without their knowledge, while giving the impression of a direct communication. These types of attacks went up 46% compared to 2023.
Veriff & Webull: helping a leading trading platform fight fraud and streamline user onboarding.
Providing our users with a safe and secure platform has always been a top priority at Webull, and Veriff has helped us to do so. Compared to previous partners, Veriff has been able to support us in identifying fraudulent activity accurately and effectively – even as platform user numbers climbed.
Brendan Fuller, Chief Risk Officer, Webull
Webull Financial is a leading online brokerage platform committed to empowering self-directed investors with innovative tools and cutting-edge technology, revolutionizing the way individuals approach investing.
As Webull continued to expand and grow its user numbers, combating fraud became more of a challenge due to the high volume of platform traffic. Crucially, fraudulent activity was causing deposit reversal, which resulted in revenue loss.
From a compliance point of view, it was becoming increasingly difficult to accurately identify and know the individuals opening accounts on Webull’s platform.
Webull was looking for a partner to provide a seamless user experience, with minimal friction, to onboard genuine customers faster - all while combating fraud, which is why they turned to Veriff.
Talk to one of our experts fraud experts, or scroll on to get more global fraud data.
Impersonation fraud is a type of identity fraud that involves, simply, someone pretending to be someone else in order to fraudulently access or apply for a digital account or service.
This may take many forms: the verification process may have been initiated with someone else's physical document; the document or the image of the individual is provided from a phone or other device to fake physical presence of the individual or their document; a synthetic or otherwise fraudulent ID has been used; the submitted images or video may have been streamed or otherwise; deepfakes may have been injected into the stream; or many others.
Impersonation fraud amounted to more than 82% of all fraud attacks we encountered this year, making it by far the most common type of online fraud. However, this actually represented a slight drop on the 2023 number.
de todos los ataques de fraude que encontramos este año fueron fraudes de personalidad.
Document fraud is defined as when a document’s data has been physically altered or a counterfeit document has been fabricated from scratch. This type of attack can be used to commit impersonation fraud or to gain access to goods or services that the user would not otherwise be able to.
A total of 16% of all fraud cases in 2024 involved people presenting altered, counterfeit, or fabricated documents - an increase of 7% year-on-year.
Veriff is incredibly good at helping to prevent this type of fraud. Our database of more than 12,000 government-issued documents from across the globe is the largest on the market and means we know the difference between a real document and a fake one.
Increase in document fraud cases year-on-year.
Ira Bondar, Senior Fraud Group Manager, Veriff
Impersonation fraud is still by far the biggest fraud type that we see, but the slight dip in this number compared to what we saw when we completed our report 12 months ago does tell its own story about the changing nature of fraud. It’s my view that impersonation fraud attempts are increasingly likely to be unsuccessful because fraud defenses such as those employed by Veriff are simply too good at catching this type of fraud now. But fraud is a cat-and-mouse game and the decline in this number is mirrored by an increase in other types of fraud.
Each fraud subtype as a proportion of all fraud: 2023 vs 2024
Physical Adversary-in-the-middle fraud
Digital Adversary-in-the-middle Fraud
Year-on-year rise in
adversary-in-the-middle attacks.
Authorized fraud is a scam where a user is tricked into performing an identity verification session. For example, when a fraudster pretends to be someone from a bank to convince the victim to perform an identity verification. This type of fraud also has two distinct types: physical adversary-in-the-middle attacks and digital adversary-in-the-middle attacks.
Unlike attempted impersonation fraud and document tampering cases, physical and digital adversary-in-the-middle attacks have always been less common, given how much more intricate they tend to be - and that is shown in this year’s numbers. In 2024, what we refer to as authorized fraud amounted to over 1.79% of all verification attempts, out of which 96% of these were physical attacks.
But, although this number is relatively small when compared to impersonation fraud, it does represent a significant and worrying increase, with adversary-in-the-middle attacks going up by 46% this year compared to last year.
Physical adversary-in-the-middle attacks
Digital adversary-in-the-middle attacks
This type of fraud is particularly alarming because it often relies on some form of physical coercion or forced participation. We often see this type of fraud in relation to identity farms, where individuals or groups of people are pressed into opening and accessing accounts and then those accounts are taken over for malicious purposes.
This fraud type is one that has been growing hand-in-hand with the increasing sophistication of AI-powered tools. Essentially, this type of fraud is defined by a fraudster positioning themselves digitally between the account holder and a business in order to intercept the data required to access this account.
This way, fraudsters gain unauthorized access to end-users’ legitimate data and accounts. Examples of this include phishing, whereby an attacker sends a phishing email, text, or AI-generated voice message to the target asking them for log-in and password information that could help them gain access to an account. An example of this type of fraud in action can be found below.
The rise in adversary-in-the-middle attacks is a very worrying trend. My thought here is that the security which protects identity verification and accounts from third-party abuse has become so good that the fraudsters are now looking towards the next weakest link in the chain, which is often the genuine identity holder, to perform the malicious act. Fortunately, Veriff is just as well equipped to fight these increasingly common adversary-in-the-middle attacks as we are with impersonation fraud.
Ira Bondar, Senior Fraud Group Manager, Veriff
Ira Bondar, Senior Fraud Group Manager at Veriff, highlights a number of scams seen by her team in the last 12 months:
Examples here of real-life fraud attempts thwarted by our AI-powered solutions and in-house fraud teams
The all-too-common ‘tech support scam’
Tackling fraud is a different animal
In this incident, the fraudster targeted their victim – an elderly man – by convincing him that his computer had been infected by a virus. The fraudster may have deployed various tactics, such as cold-calling the victim or deploying a pop-up message on the victim’s computer screen, making them believe their computer was at risk.
“Once the fraudster had gained the victim’s trust, they convinced the victim to download a remote access tool or software that allowed the fraudster to take control of the victim’s computer,” Ira Bondar, Senior Fraud Group Manager at Veriff, explained. “The fraudster most likely asked for personal information, such as name or date of birth, under the guise of identity verification.”
These kinds of scams are particularly insidious, Bondar explained, because they prey on the vulnerabilities of seniors who may be less familiar with technology and more susceptible to such attacks.
“Because we don't know how the fraudster initially got in touch with the victim, we can only presume that they obtained personal information from the victim - such as name or date of birth - under the pretense of identity verification, set up a fake account, and persuaded the victim to complete the verification,” she said.
“These kinds of attacks illustrate the human cost of fraud. We have a lot of data that paints a picture of fraud on a global scale, but it is important to remember that behind every data point is a human victim - and our mission is to help our customers safeguard all their users.”
While most fraudulent attempts on our system follow a similar pattern, there are also some examples that veer into the bizarre and show just how opportunistic fraudsters can be. “We have also had one user try submitting an image of their dog to pass one of our Biometric Authentication sessions,” Bondar continued.
“Little did they know, we're experts at sniffing out imposters - no matter how cute and fluffy they may be.
“We have also had one user attempt to get verified while wearing a cat mask. We understand the appeal, but in order to get verified, we need to see all your features clearly and unobstructed. No masks, hats, or other obstructions allowed!”
Authorized fraud: increasing in frequency and sophistication
At Veriff, we are alert to the evolving nature of online fraud and two particular fraud types we have seen increasing this year are emulator and injection attacks.
What are emulator attacks and why do they present a significant challenge to traditional fraud-prevention measures?
How emulator attacks work
At its core, emulators simulate the behavior of legitimate devices, such as smartphones or computers, to commit fraud. Emulators are powerful tools commonly used in software development to test applications across different devices and operating systems without needing physical hardware. However, fraudsters have weaponized this technology to launch deceptive activities at scale.
Fraudsters use emulators to mimic the behavior of real users, allowing them to manipulate apps, websites, or payment systems in ways that are difficult to detect. And, because they can be automated, the scale at which fraud can be committed is potentially huge. By simulating different devices, fraudsters can make a device look like multiple devices (device farms) or emulate a specific device to appear to be a genuine device to commit fraudulent activities. For example:
Emulator attacks: simulating devices to deceive systems
Account takeover (ATO): Using emulators it is possible to mimic genuine user sessions and bypass security measures to gain access to accounts.
Payment fraud: Once an account has been accessed it is possible to conduct unauthorized transactions through emulated devices, often avoiding detection due to the sophistication of the emulated environment.
Bot attacks: Once a weakness has been identified it is possible to execute large-scale, automated fraud campaigns that mimic human behavior across various devices.
Multi-accounting and bonus abuse: Being able to fraudulently access systems at scale by using emulators to mimic multiple devices allows fraudsters to create multiple accounts to take advantage of sign-up bonuses or free bets in gaming, crypto, or currency exchange platforms.
What makes emulator fraud particularly dangerous is its ability to bypass traditional detection systems that rely on device fingerprinting or behavioral biometrics alone, and the fact it can be done at scale. Since emulators can spoof a range of legitimate device characteristics (such as operating system versions, IP addresses, and user-agent strings), many security tools that focus on recognizing unique device traits are rendered ineffective.
Talk to one of our experts fraud experts, or scroll on to get more global fraud data.
How do injection attacks work and why is a multi-layered fraud prevention system the only means of stopping them?
How do injection attacks work?
While emulator attacks focus on simulating devices, injection attacks are a type of fraud where a malicious actor injects false or synthetic data into the identity verification flow to bypass the system and gain unauthorized access to the service.
Injection attacks can occur when fraudsters use techniques like emulators, virtual cameras, or other methods to inject false biometric data, such as fake facial images, or false document data, such as fake documents generated with self-serve fraud tools, into the verification process.
The goal of these injection attacks is to convince fraud-prevention systems that the injected data is legitimate, allowing the fraudster to bypass security measures and gain access to services. For example, a fraudster may use a deepfake video or synthetic identity to inject false facial images into an onboarding verification flow, tricking the system into thinking it's a legitimate user.
Injection attacks: manipulating sessions to gain access to systems
Defending against emulator and injection attacks
While emulator and injection attacks present serious challenges, fraud professionals can mitigate the risks with the multi-layered security approach explained below.
Instead of relying solely on device-based detection methods, businesses can use behavioral analytics to detect suspicious activity patterns, such as unusual transaction volumes or irregular login times.
Machine learning-based fraud detection systems can help identify anomalous behavior across both emulated devices and manipulated code, even as these techniques evolve.
Machine learning detection
This involves analyzing various attributes of the device and the network used to access the online service, such as the browser type, operating system, screen resolution, location, etc. These attributes can generate a unique identifier linking multiple accounts to the same device or IP address.
IP and device fingerprinting
This involves biometric analysis of the user’s face and facial movements to ensure true presence during the account creation or verification process. This, together with the velocity abuse and multi-accounting prevention, can help reduce the risk of users creating multiple accounts using fake or stolen identities.
Facial biometric verification
Regularly auditing application code and conducting penetration tests can help identify and patch vulnerabilities before they can be exploited.
Code auditing and vulnerability testing
Deploying WAFs with advanced threat-detection capabilities can help defend against injection fraud by blocking suspicious inputs or known attack vectors in real-time.
Web application firewalls (WAFs)
This involves checking the validity and uniqueness of the email address used to register or log in to the online service. Some indicators of suspicious email addresses are disposable or temporary emails, emails from unknown domains, emails with random or similar usernames, etc.
This involves using machine learning and artificial intelligence to monitor and analyze the behavior and patterns of the users on the online service. This can help detect anomalies, such as multiple accounts placing similar bets on the same events, multiple accounts writing fake reviews or feedback, multiple accounts abusing promo codes, or coupons, etc.
Develop a fraud-prevention ecosystem to defend against emulator and injection attacks:
Veriff and Kueski: helping Latin America’s leading buy-now-pay-later platform fight fraud.
We have been partnering with Veriff since 2020 to address identity verification and to acquire valuable additional information to integrate into our fraud controls. Fraud challenges are very dynamic, new patterns arise frequently, and the existing ones change very fast, so close communication, high collaboration, and effective responsiveness between Veriff and Kueski have been critical to helping us evolve.
Sahari Cabello,
SVP of Credit Risk, Kueski
Kueski is the leading buy-now-pay-later (BNPL) and online consumer credit platform in Latin America, and it is known for its innovative financial services.
Kueski’s credit approval process is completely digital and fully automated, so it is of the utmost importance to balance the best user experience - based on a simple, fast, clear, and streamlined process - with secure operation. The main challenge is to verify the identity of users seamlessly and prevent fraud cases - something that Veriff was on hand to help solve.
Working across all industry types allows our fraud teams at Veriff to have a truly global and comprehensive perspective on fraud, being the first to see when particular fraud trends emerge in real-time. But digging deeper into each industry allows us to also understand why certain types of fraud are more prevalent in some industries than others.
Here are the main findings by industry:
Similar to last year’s data, authorized fraud attacks are orders of magnitude more prevalent in the financial services industry compared to other industries. When taken together, banks, payments platforms, crypto, lending institutions, and other fintech platforms are more than double the global average when it comes to authorized fraud.
Moreover, in certain financial services' sub-verticals, such as crypto platforms and payments platforms, the average amount of net fraud (that’s all types of fraud combined) has been nearly 2x higher than the global mean - reaching as high a value as 13.4%.
Traditional banks have seen 3.5x more frequent attempts of people presenting tampered or forged documents compared to the global average and there is also an alarming growth in both physical and digital adversary-in-the-middle attacks in financial services as a whole.
The peak frequency of authorized fraud occurrence was detected in the ecommerce industry in 2024 - an astounding 1.62% fraud rate due to authorized fraud/scams. This is 18x the global average for this type of fraud.
Digging in further, this vertical also saw the second-highest percentage of document fraud in the last year at just over 20% of the total of all fraudulent attacks.
The big headline for this vertical was the percentage of document fraud attacks seen here. At more than 30% of all fraud, this is far higher than any other vertical and paints a picture of an industry that is still seen as a ripe target by relatively unsophisticated fraudsters.
Perhaps unsurprisingly, iGaming saw a big rise in physical adversary-in-the-middle attacks in 2024. With sign-up and other bonuses on offer, multi-accounting, identity farming, and account takeover have become increasingly prevalent in this vertical - with physical adversary-in-the-middle attacks the means with which to drive these fraud tactics.
The mobility and transportation vertical, which includes airlines, ride-hailing companies, micromobility, and car rentals, has seen an increase in impersonation fraud attacks. In fact, over 90% of all fraud within this vertical was impersonation fraud.
Online communities, a broad vertical that includes video gaming, review sites, social media platforms, and dating platforms, also saw a large proportion of impersonation fraud attacks. More than 90% of all fraud here was impersonation fraud, but there were some outliers: social media platforms continue to see a large amount of document fraud, which was a continuation of a trend highlighted in last year’s report, and video gaming was another that saw an increase in document fraud.
Hover over the graphs to see the % of each fraud type
Please use desktop of tablet version to view these graphs
ecommerce marketplaces are the real outlier of our data this time around. We did notice things trending this way in 2023, but 2024 has seen the number of fraud attacks on ecommerce sites go through the roof. Being largely unregulated and with global transaction volumes in the trillions of dollars, these sites present a tempting target for fraudsters and these figures should serve as a wake-up call for platforms to differentiate themselves by adding in the type of fraud prevention Veriff can offer.
Ira Bondar, Senior Fraud Group Manager, Veriff
Veriff and Crown Agents Bank: Building a transformative digital biometric solution with the human touch.
Today, as a result of the partnership, we experience an almost zero abandonment rate, and the customer service that we’ve received from Veriff has been exceptional, too.
Bonnie Juett, VP Head of Operations Projects, Crown Agents Bank
Crown Agents Bank is a UK-regulated bank that has existed for around 190 years. Its aim is to transform the way payments and FX move through emerging markets, reducing friction so that more money gets to those who need it.
The solutions that Crown Agents Bank provides to their pension clients is pension payroll services – and in particular international pension payroll. Historically, this has entailed pension funds sending out manual forms. Pensioners would then be asked to complete the forms, sign them, gain third-party attestation from a notary of sorts, and then post the forms back to either Crown Agents Bank or the fund directly.
This worked as a solution for many years, but Crown Agents Bank recognized that today, there’s technology in place that can better serve those pension funds and give them a higher level of assurance - and that’s why they turned to Veriff’s biometric solutions.
Crown Agents Bank’s original success metric was 20% digital uptake. This was very much surpassed to an 80-90% uptake rate, which the company describes as “phenomenal”.
Talk to one of our experts fraud experts, or scroll on to get more global fraud data.
Click on the pins to learn about the regions
North America
Document fraud made up 0.97% of all verification attempts in 2024 in North America. Although this number seems small it is actually 40% higher than a global average - it is the most fraudulent region by far, in terms of forgeries.
UK and EU:
Impersonation fraud attempts have been on the rise in the second half of 2024, with an 18% increase in Q3, and an additional 7% increase in Q4. Document fraud has also been on the rise, with a staggering 16.2% increase in 2024 compared to 2023.
Latin America:
Document fraud has seen the most notable increase of all fraud types, increasing 32% on the 2023 figures. However, impersonation fraud still remains the most common fraud type in the region as a whole. Adversary-in-the-middle fraud has also seen a single digit increase in this region, but it still remains the least common fraud type and makes up less than 1% of all verification attempts.
Percentage of all verification attempts that were fraudulent in 2024 - by region
The types of documents used to commit fraud also vary from region to region:
Residence permits are an astounding 8.7x more likely to be forgeries compared to the average government-issued document fraud rate for documents in this region. Second most fraudulent document type in North America is the passport - being 14.8% more likely to be forged/tampered with compared to the regional average.
Passports are generally the most likely document types to be forged/tampered with in this region. They are detected more than 32% more frequently than the regional average for all other government-issued documents.
Driving licenses are the most forged documents in Latin America. They are a massive 163% more likely to be forged/tampered with compared to the regional average of document fraud instances.
Fraud rate by document type in 2024 - by region
Veriff and JTI Philippines: preventing youth access to products and improving customer conversion by more than 200%.
All companies that operate within highly regulated industries face challenges, and Japan Tobacco International (JTI) takes ensuring that products are only sold to adult smokers aged 18 and above very seriously. This means exercising extreme caution about who is allowed into their digital ecosystem.
However, JTI’s former verification partner was undertaking laborious manual reviews of consumer IDs. And, as JTI Philippines was growing and strengthening its presence online via brand websites, these processes were proving to be less and less efficient.
Veriff has been a valuable partner for us in strengthening our digital capabilities and optimizing our processes. With their help, we've been able to grow our reach and elevate the efficiency of our engagement with our customers and consumers online Veriff also helped to identify fraud attempts, flag suspicious behavior, improve conversions by 223%, and improve both quality of sessions and medium response time.
Erika Viveiros, Marketing Director, JTI Philippines
Validating candidates for a pioneering remote recruitment specialist
The main takeaway from this report is that fraud is changing, and changing fast. Technological advances are making artificial intelligence (AI) and deepfakes cheaper and more readily available. But what are they, what are the threats, and what moves can businesses take to stay safe?
Deepfakes have long posed security challenges for online platforms. However, the rise of generative AI has turbocharged the threat, enabling criminals to create fake images, video, and voice content that is far more convincing than ever before.
And, while it is worth noting that AI-generated fraud is still a relatively small percentage of the overall fraud we see, it poses a rapidly growing threat that businesses of all sizes and in all industries should prepare for.
To help prepare for that future threat it is important to understand why deepfakes represent such a growing danger for online platforms. They can enable fraudsters to impersonate a person’s likeness, from their physical appearance, to their voice and mannerisms, even their texting style. For firms that need to confirm a customer’s identity, they can increase the dangers of fraud, account takeover, and money laundering. Some examples of the tools being used are listed below:
One person’s face is superimposed onto a video or photo of someone else, using perhaps Deep Neural Network or Encoder technology. Some IDV tools could mistakenly approve the wrong person’s identity.
These algorithms map a voice recording of the required audio content to a video of a person saying something else, which makes it appear as though they’re speaking the words. This could be used to pass active liveness solutions or even human operator-based liveness solutions.
A video records the desired movements of an actor, or the ‘master’. It is overlaid onto a video of the target subject, with the ‘puppet’ then appearing to move like the master. This is difficult to detect and can defeat active liveness solutions.
GANs are trained on huge amounts of internet and social media data that show facial expressions and movements, then combined with an autoencoder to synthesize the facial movements of a ‘digital’ version of a person. This can create fictitious yet convincing avatars.
Fraudsters are highly adaptable, seeking to exploit the latest technology to support their criminal behavior. We can expect this to continue in 2025, with a particular focus on generative AI.
What could this look like? One danger is the combination of generative AI with mass data breaches. Imagine if a fraudster could gain access to thousands of different IDs, generate a random face that matches the characteristics of a person’s name, and place it on a document of their choosing. With AI, there’s little work involved: it’s just a matter of setting up the program and buying some credentials.
How Veriff can help you fight the AI threat
Technology to identify manipulated images
Biometric analysis of photographs and videos
The ability to identify patterns across verifications and customers
Examination of key device attributes
Veriff’s software development kits are secure and robust by nature because we can control their interactions, making it difficult for fraudsters to digitally inject media into the stream. In effect, we build a hard wrapper around our system, ensuring that content that’s captured or uploaded is valid. We also offer a multi-dimensional approach to tackling these problems:
Veriff’s platform is built on sophisticated models that constantly evolve, providing a multi-layered approach that combines threat-mitigation tools. We treat the absence of data as a risk factor itself and provide a robust and comprehensive check of identity documents.
Ira Bondar, Senior Fraud Group Manager, Veriff
The fraud prevention ecosystem
Veriff is building the infrastructure for trust online. We are doing this by helping digital organizations:
Fight ever-more sophisticated fraud
Achieve growth on a global scale
To do these three things, businesses must ask three key questions of their customers:
Is this person real at the moment of signing up for an account?
Is this person trusted - are they a potential fraud risk or are they a high-value customer?
Is this still the same real and trusted person logging in throughout the lifetime of that account?
Veriff is uniquely placed because we have the ability to provide positive answers to the challenges facing businesses today
Preparing you for the rise of deepfakes
Our IDV solution verifies users at the point of sign-up to your systems, confirming they are genuine. Our cross-linking and risk scores create a powerful network effect from across our customer base that enables you to determine whether a customer is to be trusted. And our Biometric Authentication solution enables you to ensure the returning user is still the genuine owner of the account throughout that account’s lifespan.
The customer identity solution built to answer these questions
Human thought behind the machine learning
Veriff uses machine learning to detect patterns or anomalies that identify fraud, including those created with deepfakes. This could involve detecting inconsistencies in facial features, skin texture, or lighting conditions. But even with advanced AI, some deepfakes might be sophisticated enough to fool automated systems. Having trained professionals review flagged cases can provide an extra layer of security.
By combining these techniques with ongoing research and development, we aim to stay one step ahead of emerging fraud techniques and safeguard our systems and users against potential threats.
We have been seeing deepfakes for a couple of years already in our customers’ sessions. With the recent generative AI boom, we can see more and more of these kinds of sessions coming in, where the images have been generated with AI. We take a multi-layered approach to combating deepfakes and AI-generated media.
One key strategy is implementing face liveness checks to validate the authenticity of human presence. This involves using algorithms to detect subtle facial movements and responses, ensuring that the individual interacting with our systems is indeed real.
In addition, we employ a variety of checks to validate the legitimacy of documents. This includes leveraging machine learning algorithms to analyze document features and detect anomalies or signs of manipulation, as well as our proprietary document specimen database populated by document experts.
Our core Document and Identity Verification solution uses advanced AI and is supported by fraud mitigation tools. We deploy machine learning-powered checks, advanced fraud network mitigation strategies, and a team of in-house counter-fraud experts to help protect organizations.
Meanwhile, our Fraud Protect solution helps to identify patterns and deliver actionable insight built on industry expertise, enabling users to approve greater numbers of genuine users and eliminate more fraud. Its elements are:
Which searches for signs of physical or digital data or structural manipulation.
This prevents individuals suspected of fraud from attempting to access your business.
Offers biometric analysis of the user’s selfie image for signs of physical or digital manipulation.
Which collects and analyzes multiple signals from the user’s device and network to identify potential risk.
CrossLinks and RiskScore techniques are something we utilize across our portfolio to build a comprehensive picture of fraud-related danger, including the risks from deepfakes (see below for more detail).
Analyzing the biometric characteristics from a submitted selfie image to ensure that the subject is real and physically present during the verification, as well as checking for signs of manipulation.
CrossLinks and RiskScore:
Veriff’s RiskScore is another major step towards battling online fraud. Essentially, Veriff analyzes the user’s document, face biometrics, device, and network along with previous fraud patterns to deliver industry-leading fraud assessment and protection. We then put it all into a single, consumable risk score that a customer can use to easily judge the potential risk or fine-tune their mitigation strategies.
Of course, this is just one tool in the customer’s armory. They can take our RiskScore and combine it with their own risk information – how a user is accessing a service, the other services they use, and their history as a customer. This lets them make an even more informed decision. But with Veriff’s RiskScore, they have a digestible piece of data that they can use to supercharge their decision-making.
Similarly, our CrossLinks approach - where we are crosslinking multiple pieces of information to derive new insights and fraudulent patterns that are not detectable when analyzing a single session in isolation - means we can group together verifications with similar data points, helping us to identify fraudsters who might use multiple fake identities on different occasions across our network.
This capability has deepened and expanded. We have long been capable of identifying a document that shows up on multiple occasions with the same customer, or the same biometrics, IP address, or device characteristics.
With Industry CrossLinks, we can look cross-customer, within the same industry vertical - for example, looking to see if the same fraudster has been working across our financial services customers - and the fact we work globally means we can spot evolving trends that a customer working on their own would never be aware of. All of this can happen without any personally identifiable information being shared across customers.
This is effective because fraudsters will always try to reuse their tools and tactics across multiple organizations. Even as they turn to machine learning, AI, and deepfakes, they will reuse credentials, templates, and faces. Our Industry CrossLinks capability stops them in their tracks.
We have plenty of resources available for you to learn more about fraud, and how to protect your business.
Visit our dedicated Fraud Education Center here
Learn more about the threat of AI and deepfakes here
Discover the cost of fraud with our interactive RoI calculator here
Explore our fraud-prevention solutions here
The Veriff Identity Fraud Report 2025 team:
Senior Fraud Group Manager
Data Analyst for Fraud and Automation
Veriff is the preferred identity verification and authentication partner for the world’s biggest and best digital companies, including pioneers in fintech, crypto, gaming, and the mobility sectors. We provide advanced technology, deep insights, and expertise from our foundation in digital-first Estonia and honed in leading the digital identity revolution. The partner of choice for businesses who need to rapidly and effortlessly verify online users from anywhere in the world, Veriff delivers the broadest possible identity document coverage.
By supporting government-issued IDs from more than 230 issuing countries and territories and with our intelligent decision engine, which analyzes thousands of technological and behavioral variables, Veriff enables trust from the first hello.
Speak to one of our fraud experts today to discover how we can create customizable fraud protection for your business.
Everything you need to know about the state of online fraud in 2025 - and what you can do to prevent it.
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eDL06Ykwq9Z","content":{"text":"by Ira Bonder, Senior Fraud Group Manager, Veriff
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ecFxL9E2upC","content":{"children":[],"link":{"mode":1,"widget":{"key":"eTMo7h3n4Dl","name":"Widget-part2","page":"pCYYczSaWqr","image":{"value":{"url":"https://cdn.vev.design/private/5YlQ6CapVRbr7RUqaPTH7gT1clH2/le-layer-icon-text.svg"},"type":2},"pageName":"Home"}}},"type":"external-link","cl":"pkg-basic"},{"key":"etE06ne27QO","content":{"children":[]},"type":"frame","actions":["ecFxL9E2upC"],"children":["eB7W2pAr4VM","eB9pJ5AuHv_","e-vln7CRvF5"],"cl":"pkg-basic"},{"key":"e9HkGSrCtJU","content":{"text":"Regional breakdown
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eiX6eeO3Xrp","content":{"text":"Our data is global, but the fraud picture varies from region to region. Explore what this means for your key geographic regions.
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eZerx7Txln1","content":{"text":"Which industries suffered the most fraud in 2024, what fraud types did they see, and what are they doing about it?
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e_WPZIYBcKq","content":{"text":"Our predictions for what 2025 will bring in the worlds of identity, tech innovation, and online fraud.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eA7P6frb7tb","content":{"text":"6
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eUWOn7hhVTQ","content":{"children":[],"link":{"mode":1,"widget":{"key":"eoTTwil_wEo","name":"Widget-part5","page":"pCYYczSaWqr","image":{"value":{"url":"https://cdn.vev.design/private/5YlQ6CapVRbr7RUqaPTH7gT1clH2/le-layer-icon-text.svg"},"type":2},"pageName":"Home"}}},"type":"external-link","cl":"pkg-basic"},{"key":"eDea71pAVg3","content":{"children":[]},"type":"frame","actions":["eUWOn7hhVTQ"],"children":["eFzn8Gp5Dft","e_WPZIYBcKq","eA7P6frb7tb"],"cl":"pkg-basic"},{"key":"eJZLCZF_1N9","content":{"text":"The Veriff Fraud Report is compiled after extensive analysis of our global customer data throughout 2024. Let's get started.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e_Ybq5kqli7","content":{"children":[]},"type":"section","children":["eAfA7yZsAhD","e1n9QnDFIxD","eHG7jGntcDx","etE06ne27QO","eCwq_v1JDe8","euAttwca49F","eDea71pAVg3","eJZLCZF_1N9"],"cl":"pkg-basic"},{"key":"epUQiCYuZfk","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1638963675821,"LoadAnimation":{"duration":1.2,"delay":0,"once":false,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1638963675821,"LoadAnimation":{"duration":1.2,"delay":0,"once":false,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1638963675821,"LoadAnimation":{"duration":1.2,"delay":0,"once":false,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"wFynYMEB_7I","cl":"pkg-YPXcb_7Y0w"},{"key":"eT1-tFot3K-","content":{"text":"Welcome to Veriff’s 2025 Identity Fraud Report, our annual investigation into the state of online fraud. Drawn from deep analysis of our customer data and our field research over the last 12 months, this report is our most comprehensive yet and covers more industries, regions, fraud types, and use cases than ever before.
With so much data at our disposal - our AI-powered engines and fraud teams mitigate many thousands of attempts to infiltrate our customers’ systems on a daily basis - there are numerous narratives to discuss here. But, no matter whether we break things down by geographic region, industry, or fraud type, the main story is one that is predictably and sadly familiar: online fraud is on the rise.
In fact, our main takeaway is that online fraud increased by 21% year-on-year since our 2024 report.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["epUQiCYuZfk"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"e5899VjAb1Z","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1638962801579,"LoadAnimation":{"duration":1.2,"delay":0,"once":true,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1638962801579,"LoadAnimation":{"duration":1.2,"delay":0,"once":true,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1638962801579,"LoadAnimation":{"duration":1.2,"delay":0,"once":true,"translateY":["10%","0"],"preset":"slide","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"wFynYMEB_7I","cl":"pkg-YPXcb_7Y0w"},{"key":"eZqxBV0-TQT","content":{"text":"Introduction
","children":[]},"preset":"pHfBMT8p79P","type":"text","actions":["e5899VjAb1Z"],"cl":"pkg-basic pHfBMT8p79P"},{"key":"erxBZ341uEn","content":{"text":"Ira Bondar, Senior Fraud Group Manager, Veriff
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eFVsto64dMu","content":{"src":{"key":"B8mpQ6sEBf","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,h=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/B8mpQ6sEBf.png","ratio":0.9997145304025121},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eJjCsm81t3D","content":{"children":[]},"type":"section","children":["eT1-tFot3K-","eZqxBV0-TQT","erxBZ341uEn","eFVsto64dMu"],"cl":"pkg-basic"},{"key":"eq1SVOVHplO","content":{"text":"verification attempts we encountered in 2024 involved someone pretending to be someone else. Imagine the financial loss corporations would have incurred had we not been there to catch these.
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What’s clear to me is that fighting fraud on so many fronts requires all the tools in the box. One tool in isolation will simply never be enough to counter the multitudinous fraud threat that exists in the modern digital world. And that’s where Veriff comes in. Our solutions provide a fraud-prevention ecosystem and the network effect of our diverse customer base enables us to be constantly alert to emerging fraud threats and on the front foot when it comes to thwarting them.
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","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ewh__EDEL_A","content":{"text":"Read on to discover more about how online fraud has evolved throughout 2024 - and what businesses of all sizes can do to stop it.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eP94KrAbucs","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1710411611429,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1710411611429,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1710411611429,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"ewmsIj20hD3","content":{"children":[]},"type":"frame","actions":["eP94KrAbucs"],"children":["e7XAPXoBuZ6","ewh__EDEL_A"],"cl":"pkg-basic"},{"key":"eTYQpetq0tI","content":{"children":[]},"type":"section","children":["ewmsIj20hD3"],"cl":"pkg-basic"},{"key":"eVa5o9_cAu9","content":{"text":"Key takeaways
","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"em1WFGCduKT","content":{"text":"Part 1
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eItd1EK5Alt","content":{"children":[]},"type":"section","children":["eVa5o9_cAu9","em1WFGCduKT"],"cl":"pkg-basic"},{"key":"e9KFRBW8RsM","content":{"where":"top","pos":329,"layer":0,"type":2,"dist":1,"children":[],"widget":{"key":"eT5knqUS8UJ","name":"Element1","page":"pCYYczSaWqr","image":{"value":{"url":"https://cdn.vev.design/private/5YlQ6CapVRbr7RUqaPTH7gT1clH2/p3-layer-icon-frame.svg"},"type":2},"pageName":"Home"}},"type":"w1cal72054-hh4","cl":"pkg-pL-YXwgdPSb8"},{"key":"eLOgBDiJ64Z","content":{"text":"The main findings from our 2025 Identity Fraud Report are:
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e9KFRBW8RsM"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"emMNNBNPl2K","content":{"text":"The main findings from our 2024 Identity Fraud Report are:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ewRS9HZG7fz","content":{"text":"The fraud challenge is increasing
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ewInufdxI0c","content":{"text":"Unfortunately, what we call the net fraud fate - that is, the sum of all types of fraud combined - remains high. According to our data, 5% of all verification attempts were fraudulent in 2024. This number confirms what we discovered in our consumer research carried out as part of our Fraud Index throughout 2024, where almost half of our respondents (47.55%) said that they had experienced some kind of fraudulent online activity over the past 12 months.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eRWbavtrkg-","type":"frame","children":["ewRS9HZG7fz","ewInufdxI0c"],"cl":"pkg-basic"},{"key":"eE8eaJw4SUO","content":{"text":"Fraud follows the money
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eVSqH9vAkvk","content":{"text":"Financial services, where there are the richest of pickings for fraudsters, remains one of the industries most likely to be targeted by fraudulent attacks. Authorized fraud - where a user is tricked into performing an identity verification session - is orders of magnitude more prevalent for banks, crypto platforms, payments providers, and other fintech platforms, coming in at more than double the global average.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ekMOqz48YOk","type":"frame","children":["eE8eaJw4SUO","eVSqH9vAkvk"],"cl":"pkg-basic"},{"key":"eno-ORxUBxK","content":{"text":"Fraudsters target ecommerce platforms
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"edP3fGr4i6L","content":{"text":"There was only one industry with more authorized fraud than financial services: ecommerce. This was the number one industry to suffer at the hands of authorized fraud scams - and by a considerable margin: more than 18 times the global average. The rewards for fraudsters are arguably as great in ecommerce as they are in financial services, with millions of dollars changing hands between merchants and customers every day, and many ecommerce platforms still operating with much lighter fraud defenses.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eeYXO6bRbem","type":"frame","children":["eno-ORxUBxK","edP3fGr4i6L"],"cl":"pkg-basic"},{"key":"eePHZnTowGS","content":{"text":"Account takeover and multi-accounting are on the rise
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eLhOQ9fV64O","content":{"text":"Account takeover, where cybercriminals take ownership of online accounts using stolen passwords and usernames, and multi-accounting, the practice of opening multiple accounts to take advantage of promotions or playing bonuses, both saw a huge surge in 2024. Account takeover cases increased by 13% compared to 2023 and multi-accounting saw a 10% year-on-year increase.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"epYFbRmUfGa","type":"frame","children":["eePHZnTowGS","eLhOQ9fV64O"],"cl":"pkg-basic"},{"key":"e9pTXKsTwr8","content":{"text":"Impersonation attacks still dominate
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"evy78suulCi","content":{"text":"Impersonation fraud amounted to more than 82% of all the fraudulent attempts we saw this year. 16% of all fraud cases in 2023 involved people presenting altered, counterfeit, and fabricated documents, which was similar to last year. However, there was also a startling rise of adversary-in-the-middle attacks, a type of cyberattack where cybercriminals intercept, relay or alter the communication between two parties without their knowledge, while giving the impression of a direct communication. These types of attacks went up 46% compared to 2023.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ep9_P7LtYM2","type":"frame","children":["e9pTXKsTwr8","evy78suulCi"],"cl":"pkg-basic"},{"key":"eT5knqUS8UJ","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"eBPoSilT9jI","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"ev4oSWRXq_I","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"eKSA5xKOL2B","content":{"where":"top","pos":188,"layer":0,"type":2,"dist":1,"children":[],"widget":{"key":"eBPoSilT9jI","name":"Element2","page":"pCYYczSaWqr","image":{"value":{"url":"https://cdn.vev.design/private/5YlQ6CapVRbr7RUqaPTH7gT1clH2/p3-layer-icon-frame.svg"},"type":2},"pageName":"Home"}},"type":"w1cal72054-hh4","cl":"pkg-pL-YXwgdPSb8"},{"key":"eKbRr1dVmoi","content":{"src":{"key":"1BpMOmSuSw","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/1BpMOmSuSw.png"},"children":[]},"type":"image","actions":["eKSA5xKOL2B"],"cl":"pkg-basic"},{"key":"e1q-kVChAwg","content":{"src":{"key":"1BpMOmSuSw","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/1BpMOmSuSw.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eAV3LjaJwIN","content":{"children":[]},"type":"section","children":["eLOgBDiJ64Z","emMNNBNPl2K","eRWbavtrkg-","ekMOqz48YOk","eeYXO6bRbem","epYFbRmUfGa","ep9_P7LtYM2","eT5knqUS8UJ","eBPoSilT9jI","ev4oSWRXq_I","eKbRr1dVmoi","e1q-kVChAwg"],"cl":"pkg-basic"},{"key":"eklsjrtVggR","content":{"text":"Veriff & Webull: helping a leading trading platform fight fraud and streamline user onboarding.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e7zd8Coolan","content":{"text":"Providing our users with a safe and secure platform has always been a top priority at Webull, and Veriff has helped us to do so. Compared to previous partners, Veriff has been able to support us in identifying fraudulent activity accurately and effectively – even as platform user numbers climbed.
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"epIWfsYbz3V","content":{"text":"Brendan Fuller, Chief Risk Officer, Webull
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"elSTJs6nLeg","content":{"src":{"key":"Gh-DfRR5YZ"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eURIlwdQ-Q4","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1732524197875,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"tablet":{"params":{"trigger":"Load","updated":1732524197875,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"mobile":{"params":{"trigger":"Load","updated":1732524197875,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"etNH-mssqQh","content":{"children":[]},"type":"frame","actions":["eURIlwdQ-Q4"],"children":["e7zd8Coolan","epIWfsYbz3V","elSTJs6nLeg"],"cl":"pkg-basic"},{"key":"ell_Queo-aO","content":{"src":{"key":"gYX2sK8d5F"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eqm83qwrMMt","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eYUJa5LqndO","content":{"text":"Webull Financial is a leading online brokerage platform committed to empowering self-directed investors with innovative tools and cutting-edge technology, revolutionizing the way individuals approach investing.
As Webull continued to expand and grow its user numbers, combating fraud became more of a challenge due to the high volume of platform traffic. Crucially, fraudulent activity was causing deposit reversal, which resulted in revenue loss.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["eqm83qwrMMt"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"e53BjYTAIM3","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eZJ4pxPJV1_","content":{"text":"From a compliance point of view, it was becoming increasingly difficult to accurately identify and know the individuals opening accounts on Webull’s platform.
Webull was looking for a partner to provide a seamless user experience, with minimal friction, to onboard genuine customers faster - all while combating fraud, which is why they turned to Veriff.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e53BjYTAIM3"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"ee0eAEv0xMN","content":{"children":[]},"type":"section","children":["eklsjrtVggR","etNH-mssqQh","ell_Queo-aO","eYUJa5LqndO","eZJ4pxPJV1_"],"cl":"pkg-basic"},{"key":"efyhDFLbIsU","content":{"text":"Talk to one of our experts fraud experts, or scroll on to get more global fraud data.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eQ8aX6SuzNC","content":{"linkText":"Talk to us","children":[],"link":{"mode":2,"href":"https://www.veriff.com/contact-sales?utm_source=vev_report&utm_medium=report&utm_campaign=fraud-report-2025","target":true}},"type":"w3tbowgsq-","cl":"pkg-pMdFOsZW1t"},{"key":"eeDPpeLhZmM","content":{"children":[]},"type":"section","children":["efyhDFLbIsU","eQ8aX6SuzNC"],"cl":"pkg-basic"},{"key":"eTMo7h3n4Dl","content":{"text":"The fraud data deep dive
","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"e5w0G4XYjg4","content":{"text":"Part 2
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eDLN-yNBmPy","content":{"children":[]},"type":"section","children":["eTMo7h3n4Dl","e5w0G4XYjg4"],"cl":"pkg-basic"},{"key":"eyKDQU-IGR3","content":{"children":[],"minTimeToShow":13},"type":"wUyMTg7qKw","cl":"pkg-puuOUGN6Cid"},{"key":"eJrFkbrbQqV","content":{"text":"You can’t fight what you don’t know - and so it is important to understand the types of fraud that exist in the online world. The most common fraud type by far is what we call identity fraud, and this is made up of two distinct types: impersonation fraud and document fraud.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["eyKDQU-IGR3"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"e8MKykk-KYy","content":{"text":"KNOW YOUR FRAUD","loop":false,"startDelay":0.5,"endDelay":10,"fadeOutElement":"word","animationPreset":2,"easing":"easeInOutQuint","children":[]},"type":"w77ya1ds","cl":"pkg-p77ya0hd"},{"key":"edw_AN_ITQ-","content":{"children":[]},"type":"section","children":["eJrFkbrbQqV","e8MKykk-KYy"],"cl":"pkg-basic"},{"key":"emRdXIZs5G4","content":{"text":"Impersonation fraud
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e7QJlhDwIau","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"erngPpyXV4e","content":{"text":"Impersonation fraud is a type of identity fraud that involves, simply, someone pretending to be someone else in order to fraudulently access or apply for a digital account or service.
This may take many forms: the verification process may have been initiated with someone else's physical document; the document or the image of the individual is provided from a phone or other device to fake physical presence of the individual or their document; a synthetic or otherwise fraudulent ID has been used; the submitted images or video may have been streamed or otherwise; deepfakes may have been injected into the stream; or many others.
Impersonation fraud amounted to more than 82% of all fraud attacks we encountered this year, making it by far the most common type of online fraud. However, this actually represented a slight drop on the 2023 number.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e7QJlhDwIau"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eB-4RI7JTk8","content":{"src":{"key":"hgg0Wg7Sfa","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/hgg0Wg7Sfa.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ecZI3rIndO9","content":{"children":[]},"type":"section","children":["emRdXIZs5G4","erngPpyXV4e","eB-4RI7JTk8"],"cl":"pkg-basic"},{"key":"e4i69qlDWfl","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}},"tablet":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}},"mobile":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"em6XnmtMlaw","content":{"src":{"key":"r1phPRDaxu","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/r1phPRDaxu.png"},"children":[]},"type":"image","actions":["e4i69qlDWfl"],"cl":"pkg-basic"},{"key":"e5ODG-dy-eQ","content":{"text":"de todos los ataques de fraude que encontramos este año fueron fraudes de personalidad.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"epAuOLu6awK","content":{"children":[]},"type":"section","children":["em6XnmtMlaw","e5ODG-dy-eQ"],"cl":"pkg-basic"},{"key":"ewSd1MMuL9j","content":{"text":"Document fraud
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eVwO5U8SYea","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eBfxBbL5m-Y","content":{"text":"Document fraud is defined as when a document’s data has been physically altered or a counterfeit document has been fabricated from scratch. This type of attack can be used to commit impersonation fraud or to gain access to goods or services that the user would not otherwise be able to.
A total of 16% of all fraud cases in 2024 involved people presenting altered, counterfeit, or fabricated documents - an increase of 7% year-on-year.
Veriff is incredibly good at helping to prevent this type of fraud. Our database of more than 12,000 government-issued documents from across the globe is the largest on the market and means we know the difference between a real document and a fake one.
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e7nAHjmkIr0","content":{"children":[]},"type":"section","children":["etXY98o8gik","e_kCElA5MEQ"],"cl":"pkg-basic"},{"key":"eIKZ2CPGpP8","content":{"text":"Ira Bondar, Senior Fraud Group Manager, Veriff
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fraud
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","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e0d5bUtoFXp","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"ePPuKH-SZTg","content":{"children":[]},"type":"section","children":["ebb98_NvQwV","ecuCQAWmxco","eaCHpnqyIbR","ePDXsqRQTNu","e9A11GUw-cZ","ebpoF5OTFoM","eUNNs-LXDFY","ewKlroyAo2z","ebxDwSqyg-C","eHDadnE2K33","eHEsyVjM4B1","e0d5bUtoFXp"],"cl":"pkg-basic"},{"key":"eDSBiWt4e9I","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}},"tablet":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}},"mobile":{"params":{"trigger":"Load","updated":1732117679136,"LoadAnimation":{"duration":1,"delay":0,"scale":1.4}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eEdnPJHss1c","content":{"src":{"key":"W-vPDKhVCf","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/W-vPDKhVCf.png"},"children":[]},"type":"image","actions":["eDSBiWt4e9I"],"cl":"pkg-basic"},{"key":"evJKHXbP8Zk","content":{"text":"Year-on-year rise in
adversary-in-the-middle attacks.
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","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eaN8q4sOaoW","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eX-eOHBn6eU","content":{"text":"Authorized fraud is a scam where a user is tricked into performing an identity verification session. For example, when a fraudster pretends to be someone from a bank to convince the victim to perform an identity verification. This type of fraud also has two distinct types: physical adversary-in-the-middle attacks and digital adversary-in-the-middle attacks.
Unlike attempted impersonation fraud and document tampering cases, physical and digital adversary-in-the-middle attacks have always been less common, given how much more intricate they tend to be - and that is shown in this year’s numbers. In 2024, what we refer to as authorized fraud amounted to over 1.79% of all verification attempts, out of which 96% of these were physical attacks.
But, although this number is relatively small when compared to impersonation fraud, it does represent a significant and worrying increase, with adversary-in-the-middle attacks going up by 46% this year compared to last year.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["eaN8q4sOaoW"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"evPpU3I8R1R","content":{"src":{"key":"preUZKTje5"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eRKCmdw54qn","content":{"children":[]},"type":"section","children":["esy67o33wVJ","eX-eOHBn6eU","evPpU3I8R1R"],"cl":"pkg-basic"},{"key":"enrEYx4bMw2","content":{"text":"Physical adversary-in-the-middle attacks
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eedw1yKfAd0","content":{"text":"Digital adversary-in-the-middle attacks
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e443MbRG1Tm","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"ef0gHOBHbAR","content":{"text":"This type of fraud is particularly alarming because it often relies on some form of physical coercion or forced participation. We often see this type of fraud in relation to identity farms, where individuals or groups of people are pressed into opening and accessing accounts and then those accounts are taken over for malicious purposes.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e443MbRG1Tm"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"ehTGX64YuZ6","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"e9oOx22YvOh","content":{"text":"This fraud type is one that has been growing hand-in-hand with the increasing sophistication of AI-powered tools. Essentially, this type of fraud is defined by a fraudster positioning themselves digitally between the account holder and a business in order to intercept the data required to access this account.
This way, fraudsters gain unauthorized access to end-users’ legitimate data and accounts. Examples of this include phishing, whereby an attacker sends a phishing email, text, or AI-generated voice message to the target asking them for log-in and password information that could help them gain access to an account. An example of this type of fraud in action can be found below.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["ehTGX64YuZ6"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eUrDxOthE2G","content":{"children":[]},"type":"section","children":["enrEYx4bMw2","eedw1yKfAd0","ef0gHOBHbAR","e9oOx22YvOh"],"cl":"pkg-basic"},{"key":"ekTNANCxtmR","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eqof1SHSMEt","content":{"text":"The rise in adversary-in-the-middle attacks is a very worrying trend. My thought here is that the security which protects identity verification and accounts from third-party abuse has become so good that the fraudsters are now looking towards the next weakest link in the chain, which is often the genuine identity holder, to perform the malicious act. Fortunately, Veriff is just as well equipped to fight these increasingly common adversary-in-the-middle attacks as we are with impersonation fraud.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["ekTNANCxtmR"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eE6oz5sKGw2","content":{"text":"Ira Bondar, Senior Fraud Group Manager, Veriff
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eyb6U-LRRVy","content":{"src":{"key":"DJU1u2_vdI","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,h=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/DJU1u2_vdI.png","ratio":0.9997145304025121},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"elDmBHEhzpj","content":{"src":{"key":"lw6ByhJ3Gd"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"evfN3clvlsw","content":{"children":[]},"type":"section","children":["eqof1SHSMEt","eE6oz5sKGw2","eyb6U-LRRVy","elDmBHEhzpj"],"cl":"pkg-basic"},{"key":"ea6ni2-zF6P","content":{"text":"Ira Bondar, Senior Fraud Group Manager at Veriff, highlights a number of scams seen by her team in the last 12 months:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eTqGS9P7BYx","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1732524381295,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"tablet":{"params":{"trigger":"Load","updated":1732524381295,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"mobile":{"params":{"trigger":"Load","updated":1732524381295,"LoadAnimation":{"duration":0.6,"delay":0,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"er0xH80yP9d","content":{"src":{"key":"GGhhI_b4Vg","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,h=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/GGhhI_b4Vg.png"},"children":[]},"type":"image","actions":["eTqGS9P7BYx"],"cl":"pkg-basic"},{"key":"eyuXuK7iE_t","content":{"children":[]},"type":"section","children":["ea6ni2-zF6P","er0xH80yP9d"],"cl":"pkg-basic"},{"key":"eOYzbIJBu5r","content":{"text":"Examples here of real-life fraud attempts thwarted by our AI-powered solutions and in-house fraud teams
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"etSzRduw4lk","content":{"text":"The all-too-common ‘tech support scam’
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eyvTxg3P38w","content":{"text":"Tackling fraud is a different animal
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"el_S4_HYOtC","content":{"text":"In this incident, the fraudster targeted their victim – an elderly man – by convincing him that his computer had been infected by a virus. The fraudster may have deployed various tactics, such as cold-calling the victim or deploying a pop-up message on the victim’s computer screen, making them believe their computer was at risk.
“Once the fraudster had gained the victim’s trust, they convinced the victim to download a remote access tool or software that allowed the fraudster to take control of the victim’s computer,” Ira Bondar, Senior Fraud Group Manager at Veriff, explained. “The fraudster most likely asked for personal information, such as name or date of birth, under the guise of identity verification.”
These kinds of scams are particularly insidious, Bondar explained, because they prey on the vulnerabilities of seniors who may be less familiar with technology and more susceptible to such attacks.
“Because we don't know how the fraudster initially got in touch with the victim, we can only presume that they obtained personal information from the victim - such as name or date of birth - under the pretense of identity verification, set up a fake account, and persuaded the victim to complete the verification,” she said.
“These kinds of attacks illustrate the human cost of fraud. We have a lot of data that paints a picture of fraud on a global scale, but it is important to remember that behind every data point is a human victim - and our mission is to help our customers safeguard all their users.”
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eJmKOQ-ECiq","content":{"text":"While most fraudulent attempts on our system follow a similar pattern, there are also some examples that veer into the bizarre and show just how opportunistic fraudsters can be. “We have also had one user try submitting an image of their dog to pass one of our Biometric Authentication sessions,” Bondar continued.
“Little did they know, we're experts at sniffing out imposters - no matter how cute and fluffy they may be.
“We have also had one user attempt to get verified while wearing a cat mask. We understand the appeal, but in order to get verified, we need to see all your features clearly and unobstructed. No masks, hats, or other obstructions allowed!”
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eFpPQyjH9tl","content":{"text":"Authorized fraud: increasing in frequency and sophistication","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eeypxuN9Ib1","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"erMQ8Td-4gy","content":{"children":[]},"type":"section","children":["eOYzbIJBu5r","etSzRduw4lk","eyvTxg3P38w","el_S4_HYOtC","eJmKOQ-ECiq","eFpPQyjH9tl","eeypxuN9Ib1"],"cl":"pkg-basic"},{"key":"eBqk96IfAd9","content":{"text":"Fraud types on the rise
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eU7-UWmWiFg","content":{"text":"At Veriff, we are alert to the evolving nature of online fraud and two particular fraud types we have seen increasing this year are emulator and injection attacks.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eGGu4YZoJc3","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1732541072074,"LoadAnimation":{"duration":0.6,"delay":0.25,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"tablet":{"params":{"trigger":"Load","updated":1732541072074,"LoadAnimation":{"duration":0.6,"delay":0.25,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}},"mobile":{"params":{"trigger":"Load","updated":1732541072074,"LoadAnimation":{"duration":0.6,"delay":0.25,"easing":"easeOutQuart","opacity":[0,1],"translateX":["-300","0"],"preset":"slideInLeft"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"elZor9-_QmG","content":{"src":{"key":"MSIpj8CRj4","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/MSIpj8CRj4.png"},"children":[]},"type":"image","actions":["eGGu4YZoJc3"],"cl":"pkg-basic"},{"key":"e7YmVYpvsoa","content":{"children":[]},"type":"section","children":["eBqk96IfAd9","eU7-UWmWiFg","elZor9-_QmG"],"cl":"pkg-basic"},{"key":"eWnGhVHAqXT","content":{"text":"What are emulator attacks and why do they present a significant challenge to traditional fraud-prevention measures?
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ewiJjoB7Zw1","content":{"text":"How emulator attacks work
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e_JcN6UcVQG","content":{"text":"At its core, emulators simulate the behavior of legitimate devices, such as smartphones or computers, to commit fraud. Emulators are powerful tools commonly used in software development to test applications across different devices and operating systems without needing physical hardware. However, fraudsters have weaponized this technology to launch deceptive activities at scale.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eHGVaA3U5Pt","content":{"text":"Fraudsters use emulators to mimic the behavior of real users, allowing them to manipulate apps, websites, or payment systems in ways that are difficult to detect. And, because they can be automated, the scale at which fraud can be committed is potentially huge. By simulating different devices, fraudsters can make a device look like multiple devices (device farms) or emulate a specific device to appear to be a genuine device to commit fraudulent activities. For example:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ehwZkf8hpNi","content":{"text":"Emulator attacks: simulating devices to deceive systems
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eS9Xw8ShIva","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"eOCbfqth4oE","content":{"text":"Account takeover (ATO): Using emulators it is possible to mimic genuine user sessions and bypass security measures to gain access to accounts.
Payment fraud: Once an account has been accessed it is possible to conduct unauthorized transactions through emulated devices, often avoiding detection due to the sophistication of the emulated environment.
Bot attacks: Once a weakness has been identified it is possible to execute large-scale, automated fraud campaigns that mimic human behavior across various devices.
Multi-accounting and bonus abuse: Being able to fraudulently access systems at scale by using emulators to mimic multiple devices allows fraudsters to create multiple accounts to take advantage of sign-up bonuses or free bets in gaming, crypto, or currency exchange platforms.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"etZ1-r5psWk","content":{"text":"What makes emulator fraud particularly dangerous is its ability to bypass traditional detection systems that rely on device fingerprinting or behavioral biometrics alone, and the fact it can be done at scale. Since emulators can spoof a range of legitimate device characteristics (such as operating system versions, IP addresses, and user-agent strings), many security tools that focus on recognizing unique device traits are rendered ineffective.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"erscTVtblZx","content":{"children":[]},"type":"section","children":["eWnGhVHAqXT","ewiJjoB7Zw1","e_JcN6UcVQG","eHGVaA3U5Pt","ehwZkf8hpNi","eS9Xw8ShIva","eOCbfqth4oE","etZ1-r5psWk"],"cl":"pkg-basic"},{"key":"eYLNwQG6exo","content":{"linkText":"Talk to us","children":[],"link":{"mode":2,"href":"https://www.veriff.com/contact-sales?utm_source=vev_report&utm_medium=report&utm_campaign=fraud-report-2025","target":true}},"type":"w3tbowgsq-","cl":"pkg-pMdFOsZW1t"},{"key":"edsuLjUP9FR","content":{"text":"Talk to one of our experts fraud experts, or scroll on to get more global fraud data.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eUa04w5djDi","content":{"children":[]},"type":"section","children":["eYLNwQG6exo","edsuLjUP9FR"],"cl":"pkg-basic"},{"key":"eZG-qAX32Q5","content":{"text":"How do injection attacks work and why is a multi-layered fraud prevention system the only means of stopping them?
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eliOoG1zXSS","content":{"text":"How do injection attacks work?
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eA4xWFQSVd3","content":{"text":"While emulator attacks focus on simulating devices, injection attacks are a type of fraud where a malicious actor injects false or synthetic data into the identity verification flow to bypass the system and gain unauthorized access to the service.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e5WewcwUned","content":{"text":"Injection attacks can occur when fraudsters use techniques like emulators, virtual cameras, or other methods to inject false biometric data, such as fake facial images, or false document data, such as fake documents generated with self-serve fraud tools, into the verification process.
The goal of these injection attacks is to convince fraud-prevention systems that the injected data is legitimate, allowing the fraudster to bypass security measures and gain access to services. For example, a fraudster may use a deepfake video or synthetic identity to inject false facial images into an onboarding verification flow, tricking the system into thinking it's a legitimate user.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eb8_uFKB7QJ","content":{"text":"Injection attacks: manipulating sessions to gain access to systems
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eneMsX5QVpX","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"e-kP6avmE6w","content":{"text":"Defending against emulator and injection attacks
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e2OTB9LCuG3","content":{"text":"While emulator and injection attacks present serious challenges, fraud professionals can mitigate the risks with the multi-layered security approach explained below.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"etqxQa1C8WB","content":{"children":[]},"type":"section","children":["eZG-qAX32Q5","eliOoG1zXSS","eA4xWFQSVd3","e5WewcwUned","eb8_uFKB7QJ","eneMsX5QVpX","e-kP6avmE6w","e2OTB9LCuG3"],"cl":"pkg-basic"},{"key":"eygzuhgvE_f","content":{"text":"Instead of relying solely on device-based detection methods, businesses can use behavioral analytics to detect suspicious activity patterns, such as unusual transaction volumes or irregular login times.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e5ErC1fmJEv","content":{"text":"Behavioral analytics
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ejv3OC1w_k8","content":{"src":{"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/s3-pREbLdk.png","key":"s3-pREbLdk"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"euyI2Rkc5OJ","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731670535051,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"tablet":{"params":{"trigger":"Load","updated":1731670535051,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"mobile":{"params":{"trigger":"Load","updated":1731670535051,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"e1oAN21193o","content":{"children":[]},"type":"frame","actions":["euyI2Rkc5OJ"],"children":["eygzuhgvE_f","e5ErC1fmJEv","ejv3OC1w_k8"],"cl":"pkg-basic"},{"key":"egYwkJt0LvE","content":{"src":{"key":"OOm52PQ_gm","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/OOm52PQ_gm.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ebp-kQufZKW","content":{"text":"Machine learning-based fraud detection systems can help identify anomalous behavior across both emulated devices and manipulated code, even as these techniques evolve.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"exjoKvSYOyn","content":{"text":"Machine learning detection
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ekB7hym-zQE","content":{"children":[],"cont":{"mobile":{"params":{"updated":1731670547944,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"},"trigger":"Load"}},"desktop":{"params":{"updated":1731670547944,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"},"trigger":"Load"}},"tablet":{"params":{"updated":1731670547944,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"},"trigger":"Load"}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"ed-iDolH0s3","content":{"children":[]},"type":"frame","actions":["ekB7hym-zQE"],"children":["egYwkJt0LvE","ebp-kQufZKW","exjoKvSYOyn"],"cl":"pkg-basic"},{"key":"eemsEaVjhj4","content":{"src":{"key":"9QLlY21agB","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/9QLlY21agB.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eKoCv84N83u","content":{"text":"This involves analyzing various attributes of the device and the network used to access the online service, such as the browser type, operating system, screen resolution, location, etc. These attributes can generate a unique identifier linking multiple accounts to the same device or IP address.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eG1m3Fo-Xcl","content":{"text":"IP and device fingerprinting
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ewgYvfYZnnE","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731670561939,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"tablet":{"params":{"trigger":"Load","updated":1731670561939,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"mobile":{"params":{"trigger":"Load","updated":1731670561939,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"e0CzdwOD3wZ","content":{"children":[]},"type":"frame","actions":["ewgYvfYZnnE"],"children":["eemsEaVjhj4","eKoCv84N83u","eG1m3Fo-Xcl"],"cl":"pkg-basic"},{"key":"eP-aWYeMSBH","content":{"src":{"key":"Brq4jGwxAp","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/Brq4jGwxAp.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"efP_3fulG27","content":{"text":"This involves biometric analysis of the user’s face and facial movements to ensure true presence during the account creation or verification process. This, together with the velocity abuse and multi-accounting prevention, can help reduce the risk of users creating multiple accounts using fake or stolen identities.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eN3EIBwwCgZ","content":{"text":"Facial biometric verification
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e4LnLAZtAX8","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731670571348,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"tablet":{"params":{"trigger":"Load","updated":1731670571348,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}},"mobile":{"params":{"trigger":"Load","updated":1731670571348,"LoadAnimation":{"duration":0.9,"delay":0.25,"easing":"easeOutQuad","opacity":[0,1],"preset":"fadeIn"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"ekdx68WdpWI","content":{"children":[]},"type":"frame","actions":["e4LnLAZtAX8"],"children":["eP-aWYeMSBH","efP_3fulG27","eN3EIBwwCgZ"],"cl":"pkg-basic"},{"key":"eAk3f6PTKGJ","content":{"text":"Regularly auditing application code and conducting penetration tests can help identify and patch vulnerabilities before they can be exploited.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e5iAXw722f_","content":{"text":"Code auditing and vulnerability testing
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eNbkutx2Lz5","content":{"src":{"key":"H9No02N7q5","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/H9No02N7q5.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eycEmlxbd3N","content":{"children":[],"cont":{"mobile":{"params":{"LoadAnimation":{"preset":"fadeIn","easing":"easeOutQuad","duration":0.9,"delay":0.25,"opacity":[0,1]},"updated":1731670543692,"trigger":"Load"}},"tablet":{"params":{"LoadAnimation":{"preset":"fadeIn","easing":"easeOutQuad","duration":0.9,"delay":0.25,"opacity":[0,1]},"updated":1731670543692,"trigger":"Load"}},"desktop":{"params":{"LoadAnimation":{"preset":"fadeIn","easing":"easeOutQuad","duration":0.9,"delay":0.25,"opacity":[0,1]},"updated":1731670543692,"trigger":"Load"}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eLg-fhqChEO","content":{"children":[]},"type":"frame","actions":["eycEmlxbd3N"],"children":["eAk3f6PTKGJ","e5iAXw722f_","eNbkutx2Lz5"],"cl":"pkg-basic"},{"key":"ed0RIYdAQI7","content":{"text":"Deploying WAFs with advanced threat-detection capabilities can help defend against injection fraud by blocking suspicious inputs or known attack vectors in real-time.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eZMAZf8iiBG","content":{"text":"Web application firewalls (WAFs)
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"elU59QmpBIK","content":{"src":{"key":"GWPKtJ8P3-","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/GWPKtJ8P3-.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"etrTWD1S29x","content":{"children":[],"cont":{"tablet":{"params":{"updated":1731670552578,"trigger":"Load","LoadAnimation":{"preset":"fadeIn","opacity":[0,1],"delay":0.25,"duration":0.9,"easing":"easeOutQuad"}}},"mobile":{"params":{"updated":1731670552578,"trigger":"Load","LoadAnimation":{"preset":"fadeIn","opacity":[0,1],"delay":0.25,"duration":0.9,"easing":"easeOutQuad"}}},"desktop":{"params":{"updated":1731670552578,"trigger":"Load","LoadAnimation":{"preset":"fadeIn","opacity":[0,1],"delay":0.25,"duration":0.9,"easing":"easeOutQuad"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eq_TQt8mbit","content":{"children":[]},"type":"frame","actions":["etrTWD1S29x"],"children":["ed0RIYdAQI7","eZMAZf8iiBG","elU59QmpBIK"],"cl":"pkg-basic"},{"key":"ekOXTdHa3OR","content":{"text":"This involves checking the validity and uniqueness of the email address used to register or log in to the online service. Some indicators of suspicious email addresses are disposable or temporary emails, emails from unknown domains, emails with random or similar usernames, etc.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ek02qq3cPsd","content":{"text":"Email analysis
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"euczSY14Fab","content":{"src":{"key":"dSvhjff8C8","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/dSvhjff8C8.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eEzDy_hoDlW","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1731670566013,"LoadAnimation":{"easing":"easeOutQuad","duration":0.9,"preset":"fadeIn","delay":0.25,"opacity":[0,1]}}},"mobile":{"params":{"trigger":"Load","updated":1731670566013,"LoadAnimation":{"easing":"easeOutQuad","duration":0.9,"preset":"fadeIn","delay":0.25,"opacity":[0,1]}}},"desktop":{"params":{"trigger":"Load","updated":1731670566013,"LoadAnimation":{"easing":"easeOutQuad","duration":0.9,"preset":"fadeIn","delay":0.25,"opacity":[0,1]}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eG9T34QzwKS","content":{"children":[]},"type":"frame","actions":["eEzDy_hoDlW"],"children":["ekOXTdHa3OR","ek02qq3cPsd","euczSY14Fab"],"cl":"pkg-basic"},{"key":"e-7SdJiPx7p","content":{"text":"This involves using machine learning and artificial intelligence to monitor and analyze the behavior and patterns of the users on the online service. This can help detect anomalies, such as multiple accounts placing similar bets on the same events, multiple accounts writing fake reviews or feedback, multiple accounts abusing promo codes, or coupons, etc.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eRt9Ho-1HoD","content":{"text":"AI-driven algorithms
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eqBIXaJTycX","content":{"src":{"key":"MSIpj8CRj4","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/MSIpj8CRj4.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eqRt-fhOzMe","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","LoadAnimation":{"preset":"fadeIn","duration":0.9,"easing":"easeOutQuad","opacity":[0,1],"delay":0.25},"updated":1731670575372}},"tablet":{"params":{"trigger":"Load","LoadAnimation":{"preset":"fadeIn","duration":0.9,"easing":"easeOutQuad","opacity":[0,1],"delay":0.25},"updated":1731670575372}},"mobile":{"params":{"trigger":"Load","LoadAnimation":{"preset":"fadeIn","duration":0.9,"easing":"easeOutQuad","opacity":[0,1],"delay":0.25},"updated":1731670575372}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eE33p3og0mY","content":{"children":[]},"type":"frame","actions":["eqRt-fhOzMe"],"children":["e-7SdJiPx7p","eRt9Ho-1HoD","eqBIXaJTycX"],"cl":"pkg-basic"},{"key":"eAggbjSlkjL","content":{"text":"Develop a fraud-prevention ecosystem to defend against emulator and injection attacks:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ejgLeJfOeNy","content":{"children":[]},"type":"section","children":["e1oAN21193o","ed-iDolH0s3","e0CzdwOD3wZ","ekdx68WdpWI","eLg-fhqChEO","eq_TQt8mbit","eG9T34QzwKS","eE33p3og0mY","eAggbjSlkjL"],"cl":"pkg-basic"},{"key":"egBxBMoi_ki","content":{"text":"Veriff and Kueski: helping Latin America’s leading buy-now-pay-later platform fight fraud.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eWwYjJOHA4F","content":{"src":{"key":"Gh-DfRR5YZ"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eIj9jU-AEty","content":{"text":"We have been partnering with Veriff since 2020 to address identity verification and to acquire valuable additional information to integrate into our fraud controls. Fraud challenges are very dynamic, new patterns arise frequently, and the existing ones change very fast, so close communication, high collaboration, and effective responsiveness between Veriff and Kueski have been critical to helping us evolve.
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"eXR2uxJsoOw","content":{"text":"Sahari Cabello,
SVP of Credit Risk, Kueski
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"eJ2nRDzRo4V","content":{"children":[],"cont":{"desktop":{"params":{"updated":1732524197875,"LoadAnimation":{"preset":"slideInLeft","opacity":[0,1],"delay":0,"duration":0.6,"translateX":["-300","0"],"easing":"easeOutQuart"},"trigger":"Load"}},"tablet":{"params":{"trigger":"Load","updated":1732524197875,"LoadAnimation":{"translateX":["-300","0"],"delay":0,"preset":"slideInLeft","opacity":[0,1],"duration":0.6,"easing":"easeOutQuart"}}},"mobile":{"params":{"LoadAnimation":{"duration":0.6,"translateX":["-300","0"],"opacity":[0,1],"preset":"slideInLeft","delay":0,"easing":"easeOutQuart"},"updated":1732524197875,"trigger":"Load"}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"e4VjJbxdVlF","content":{"children":[]},"type":"frame","actions":["eJ2nRDzRo4V"],"children":["eWwYjJOHA4F","eIj9jU-AEty","eXR2uxJsoOw"],"cl":"pkg-basic"},{"key":"en764wwz3at","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eGZAzZE3AuN","content":{"text":"Kueski is the leading buy-now-pay-later (BNPL) and online consumer credit platform in Latin America, and it is known for its innovative financial services.
Kueski’s credit approval process is completely digital and fully automated, so it is of the utmost importance to balance the best user experience - based on a simple, fast, clear, and streamlined process - with secure operation. The main challenge is to verify the identity of users seamlessly and prevent fraud cases - something that Veriff was on hand to help solve.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["en764wwz3at"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"etkeJaKn4cb","content":{"src":{"key":"M9aDYuhwIi"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ebqflCmW9ai","content":{"children":[]},"type":"section","children":["egBxBMoi_ki","e4VjJbxdVlF","eGZAzZE3AuN","etkeJaKn4cb"],"cl":"pkg-basic"},{"key":"exCYSgw0fEc","content":{"children":[]},"type":"section","cl":"pkg-basic"},{"key":"eYTYZVrlp6f","content":{"text":"Industry focus
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","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ez4tn1yOsP2","content":{"children":[]},"type":"section","children":["eYTYZVrlp6f","ecnRDIwBE9R"],"cl":"pkg-basic"},{"key":"eZ6SESdhRGR","content":{"text":"Working across all industry types allows our fraud teams at Veriff to have a truly global and comprehensive perspective on fraud, being the first to see when particular fraud trends emerge in real-time. But digging deeper into each industry allows us to also understand why certain types of fraud are more prevalent in some industries than others.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eVOF-Vq9zEg","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1688639140264,"LoadAnimation":{"duration":20,"delay":0,"once":false,"loop":"restart","translateX":["0px","-2500px"],"preset":"custom","event":"top"}}},"desktop":{"params":{"trigger":"Load","updated":1732118942238,"LoadAnimation":{"duration":16,"delay":0,"once":false,"loop":"restart","translateX":["0px","-2500px"],"preset":"custom","event":"top"}}},"mobile":{"params":{"trigger":"Load","updated":1688639154040,"LoadAnimation":{"duration":30,"delay":0,"once":false,"loop":"restart","translateX":["0px","-2500px"],"preset":"custom","event":"top"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eWNlyh97qkw","content":{"text":"Here are the main findings by industry:
","children":[]},"preset":"p0UI_PJa19v","type":"text","actions":["eVOF-Vq9zEg"],"cl":"pkg-basic p0UI_PJa19v"},{"key":"e2U86aFjsoS","content":{"children":[]},"type":"section","children":["eZ6SESdhRGR","eWNlyh97qkw"],"cl":"pkg-basic"},{"key":"eIq351mSTmP","content":{"children":[],"cont":{"desktop":{"params":{"updated":1700466121133,"LoadAnimation":{"translateX":["-300","0"],"delay":0,"opacity":[0,1],"easing":"easeOutQuart","duration":0.6,"preset":"slideInLeft"},"trigger":"Load"}},"tablet":{"params":{"updated":1700466121133,"trigger":"Load","LoadAnimation":{"delay":0,"translateX":["-300","0"],"easing":"easeOutQuart","opacity":[0,1],"duration":0.6,"preset":"slideInLeft"}}},"mobile":{"params":{"trigger":"Load","updated":1700466121133,"LoadAnimation":{"translateX":["-300","0"],"preset":"slideInLeft","easing":"easeOutQuart","delay":0,"duration":0.6,"opacity":[0,1]}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eW8pIszuW7H","content":{"text":"Financial services
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["eIq351mSTmP"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eKXcaRwLxPD","content":{"text":"Similar to last year’s data, authorized fraud attacks are orders of magnitude more prevalent in the financial services industry compared to other industries. When taken together, banks, payments platforms, crypto, lending institutions, and other fintech platforms are more than double the global average when it comes to authorized fraud.
Moreover, in certain financial services' sub-verticals, such as crypto platforms and payments platforms, the average amount of net fraud (that’s all types of fraud combined) has been nearly 2x higher than the global mean - reaching as high a value as 13.4%.
Traditional banks have seen 3.5x more frequent attempts of people presenting tampered or forged documents compared to the global average and there is also an alarming growth in both physical and digital adversary-in-the-middle attacks in financial services as a whole.
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","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["eDxli54hixy"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"ejg1GOM3Pdq","content":{"text":"The peak frequency of authorized fraud occurrence was detected in the ecommerce industry in 2024 - an astounding 1.62% fraud rate due to authorized fraud/scams. This is 18x the global average for this type of fraud.
Digging in further, this vertical also saw the second-highest percentage of document fraud in the last year at just over 20% of the total of all fraudulent attacks.
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","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["ejACoI76VUa"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eIOYSrwI6hp","content":{"text":"Perhaps unsurprisingly, iGaming saw a big rise in physical adversary-in-the-middle attacks in 2024. With sign-up and other bonuses on offer, multi-accounting, identity farming, and account takeover have become increasingly prevalent in this vertical - with physical adversary-in-the-middle attacks the means with which to drive these fraud tactics.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eb_nkwZZt4V","content":{"children":[]},"type":"frame","children":["e0ZMvc68HLN","eIOYSrwI6hp"],"cl":"pkg-basic"},{"key":"eMbvkBvNg8w","content":{"children":[],"cont":{"tablet":{"params":{"updated":1700466121133,"LoadAnimation":{"duration":0.6,"translateX":["-300","0"],"preset":"slideInLeft","easing":"easeOutQuart","delay":0,"opacity":[0,1]},"trigger":"Load"}},"mobile":{"params":{"LoadAnimation":{"translateX":["-300","0"],"preset":"slideInLeft","duration":0.6,"opacity":[0,1],"easing":"easeOutQuart","delay":0},"trigger":"Load","updated":1700466121133}},"desktop":{"params":{"updated":1700466121133,"trigger":"Load","LoadAnimation":{"preset":"slideInLeft","easing":"easeOutQuart","delay":0,"opacity":[0,1],"duration":0.6,"translateX":["-300","0"]}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"e998HdvUoBT","content":{"text":"Mobility
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The solutions that Crown Agents Bank provides to their pension clients is pension payroll services – and in particular international pension payroll. Historically, this has entailed pension funds sending out manual forms. Pensioners would then be asked to complete the forms, sign them, gain third-party attestation from a notary of sorts, and then post the forms back to either Crown Agents Bank or the fund directly.
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Crown Agents Bank’s original success metric was 20% digital uptake. This was very much surpassed to an 80-90% uptake rate, which the company describes as “phenomenal”.
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Document fraud made up 0.97% of all verification attempts in 2024 in North America. Although this number seems small it is actually 40% higher than a global average - it is the most fraudulent region by far, in terms of forgeries.
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Impersonation fraud attempts have been on the rise in the second half of 2024, with an 18% increase in Q3, and an additional 7% increase in Q4. Document fraud has also been on the rise, with a staggering 16.2% increase in 2024 compared to 2023.
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Document fraud has seen the most notable increase of all fraud types, increasing 32% on the 2023 figures. However, impersonation fraud still remains the most common fraud type in the region as a whole. Adversary-in-the-middle fraud has also seen a single digit increase in this region, but it still remains the least common fraud type and makes up less than 1% of all verification attempts.
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","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"eqA7F5OGQ3n","content":{"text":"8.22%
","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"esqcOM2xDZd","content":{"text":"0.35%
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","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"eb3KFM5VovS","content":{"children":[]},"type":"section","children":["e7Nwf2o8eYj","e4AXYNc3QWB","e1pREj1Bryr","eMC46HFRZbh","eRo5fjn-LSp","eHYUxOYQCr1","eEtL5ITrhXV","eHELp1Rtni-","e90FmBxWfRU","ewuGAYIY2Hx","eiiAFuSEr8M","e2VnmS71YA6","e9ee6xwWjv-","ebvbTpuGv1y","eUCaXquVcuq","eq8mLoixR4r","eomkpagESdH","eoHHot59olH","eiiz7EYAdME","eOUC3beM98a","e9hmGT6MeWJ","eAsn_1HLoqH","eHV0DDJLRA2","eHX-X5f9cXt","eIdwfWyqUlW","eP_4yzOgBm0","eTAnJKLvcCq","eXOurp-orw3","eY7tyxP5iuQ","eYCpZ46ruEk","eehY-bFy_As","egiEI1Sw43G","ekssVGLR4rh","el6NyYr2_tP","elz0wixxFjD","eqA7F5OGQ3n","esqcOM2xDZd","euFnBZlVLW0"],"cl":"pkg-basic"},{"key":"e486dQW4NzS","content":{"text":"Veriff and JTI Philippines: preventing youth access to products and improving customer conversion by more than 200%.
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"exsSvF2nxXR","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"ebdOpHGa76_","content":{"text":"All companies that operate within highly regulated industries face challenges, and Japan Tobacco International (JTI) takes ensuring that products are only sold to adult smokers aged 18 and above very seriously. This means exercising extreme caution about who is allowed into their digital ecosystem.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["exsSvF2nxXR"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"e8GED2dWXSV","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eC-7HEfa8xq","content":{"text":"However, JTI’s former verification partner was undertaking laborious manual reviews of consumer IDs. And, as JTI Philippines was growing and strengthening its presence online via brand websites, these processes were proving to be less and less efficient.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e8GED2dWXSV"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"eKF_Wv8GsCE","content":{"text":"Veriff has been a valuable partner for us in strengthening our digital capabilities and optimizing our processes. With their help, we've been able to grow our reach and elevate the efficiency of our engagement with our customers and consumers online Veriff also helped to identify fraud attempts, flag suspicious behavior, improve conversions by 223%, and improve both quality of sessions and medium response time.
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"eCaD4OjquF3","content":{"text":"Erika Viveiros, Marketing Director, JTI Philippines
","children":[]},"preset":"pJsYnt7zjz6","type":"text","cl":"pkg-basic pJsYnt7zjz6"},{"key":"eFMfIeL4qdH","content":{"src":{"key":"Gh-DfRR5YZ"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eGvbXCWsrtQ","content":{"children":[]},"type":"frame","children":["eKF_Wv8GsCE","eCaD4OjquF3","eFMfIeL4qdH"],"cl":"pkg-basic"},{"key":"e-qfc0AD-PL","content":{"src":{"key":"kqlDGJNj1V"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e7yavH6cPjc","content":{"children":[]},"type":"section","children":["e486dQW4NzS","ebdOpHGa76_","eC-7HEfa8xq","eGvbXCWsrtQ","e-qfc0AD-PL"],"cl":"pkg-basic"},{"key":"ew0enXzMzWM","content":{"text":"Validating candidates for a pioneering remote recruitment specialist
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"etsW5JQBMw6","content":{"children":[],"settings":{"lockAspectRatio":true},"videoId":"https://www.youtube.com/watch?v=3vpWmPq8rwc"},"type":"KpvXldM9sZ4mhWaqwI5g_Youtube","cl":"pkg-KpvXldM9sZ4mhWaqwI5g"},{"key":"eyzNUG6Q1Bg","content":{"children":[]},"type":"section","children":["ew0enXzMzWM","etsW5JQBMw6"],"cl":"pkg-basic"},{"key":"eoTTwil_wEo","content":{"text":"What the future holds
","children":[]},"preset":"pCR_hesPmZC","type":"text","cl":"pkg-basic pCR_hesPmZC"},{"key":"ecW0WKnR5As","content":{"text":"Part 5
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eDADD_OmBGx","content":{"children":[]},"type":"section","children":["eoTTwil_wEo","ecW0WKnR5As"],"cl":"pkg-basic"},{"key":"egFE9qWQdxH","content":{"text":"The main takeaway from this report is that fraud is changing, and changing fast. Technological advances are making artificial intelligence (AI) and deepfakes cheaper and more readily available. But what are they, what are the threats, and what moves can businesses take to stay safe?
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ejVSWs8j-dS","content":{"children":[],"cont":{"desktop":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"tablet":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}},"mobile":{"params":{"trigger":"Load","updated":1731078542898,"LoadAnimation":{"duration":1.2,"delay":0,"opacity":[0,1],"translateY":["10%","0"],"easing":"easeOutQuart","preset":"slide"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eVW0LOAiYNj","content":{"text":"Deepfakes have long posed security challenges for online platforms. However, the rise of generative AI has turbocharged the threat, enabling criminals to create fake images, video, and voice content that is far more convincing than ever before.
And, while it is worth noting that AI-generated fraud is still a relatively small percentage of the overall fraud we see, it poses a rapidly growing threat that businesses of all sizes and in all industries should prepare for.
To help prepare for that future threat it is important to understand why deepfakes represent such a growing danger for online platforms. They can enable fraudsters to impersonate a person’s likeness, from their physical appearance, to their voice and mannerisms, even their texting style. For firms that need to confirm a customer’s identity, they can increase the dangers of fraud, account takeover, and money laundering. Some examples of the tools being used are listed below:
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["ejVSWs8j-dS"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"ehZcTsCkc4X","content":{"src":{"key":"uvxMj8gYej","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/uvxMj8gYej.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"evWRePwbS0n","content":{"src":{"key":"U8jipBRa71","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/U8jipBRa71.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e7aAveaGkb-","content":{"src":{"key":"B9nAiWMC3F"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eCjXMl5aF1Y","content":{"src":{"key":"z6l_yO47Uf","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/z6l_yO47Uf.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e9DdKkl6Fze","content":{"children":[]},"type":"section","children":["egFE9qWQdxH","eVW0LOAiYNj","ehZcTsCkc4X","evWRePwbS0n","e7aAveaGkb-","eCjXMl5aF1Y"],"cl":"pkg-basic"},{"key":"eCpKhHxvAfl","content":{"text":"Face swaps
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eE2yULT3Aj4","content":{"text":"Lip sync
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e-TjhKZheIN","content":{"text":"Puppets
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eYQCYPgmlzR","content":{"text":"GANs and Autoencoders
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"enXR9HZDMSz","content":{"text":"One person’s face is superimposed onto a video or photo of someone else, using perhaps Deep Neural Network or Encoder technology. Some IDV tools could mistakenly approve the wrong person’s identity.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e32FVB7vsVh","content":{"text":"These algorithms map a voice recording of the required audio content to a video of a person saying something else, which makes it appear as though they’re speaking the words. This could be used to pass active liveness solutions or even human operator-based liveness solutions.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eWfbznsxBzf","content":{"text":"A video records the desired movements of an actor, or the ‘master’. It is overlaid onto a video of the target subject, with the ‘puppet’ then appearing to move like the master. This is difficult to detect and can defeat active liveness solutions.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eQZXGJRV0hA","content":{"text":"GANs are trained on huge amounts of internet and social media data that show facial expressions and movements, then combined with an autoencoder to synthesize the facial movements of a ‘digital’ version of a person. This can create fictitious yet convincing avatars.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eTl8SwV7EuY","content":{"src":"iiQSBOMOuL","children":[]},"type":"image","cl":"pkg-basic"},{"key":"esDhg67iGDX","content":{"src":"Vd2-F0k97o","children":[]},"type":"image","cl":"pkg-basic"},{"key":"eZdKqqa4X5O","content":{"src":{"key":"vTZvo2sLzc","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,w=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/vTZvo2sLzc.png","ratio":1.7467625899280577},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eZ4TBNosl7C","content":{"src":{"key":"ej6eMnR-lC","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,w=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/ej6eMnR-lC.jpg","ratio":1.863517060367454},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eI-zlTsuPvl","content":{"children":[]},"type":"section","children":["eCpKhHxvAfl","eE2yULT3Aj4","e-TjhKZheIN","eYQCYPgmlzR","enXR9HZDMSz","e32FVB7vsVh","eWfbznsxBzf","eQZXGJRV0hA","eTl8SwV7EuY","esDhg67iGDX","eZdKqqa4X5O","eZ4TBNosl7C"],"cl":"pkg-basic"},{"key":"exqpbiSQKSj","content":{"text":"Fraudsters are highly adaptable, seeking to exploit the latest technology to support their criminal behavior. We can expect this to continue in 2025, with a particular focus on generative AI.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eXURqL_GvYn","content":{"text":"What could this look like? One danger is the combination of generative AI with mass data breaches. Imagine if a fraudster could gain access to thousands of different IDs, generate a random face that matches the characteristics of a person’s name, and place it on a document of their choosing. With AI, there’s little work involved: it’s just a matter of setting up the program and buying some credentials.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eQ3SJZwV-sA","content":{"children":[]},"type":"section","children":["exqpbiSQKSj","eXURqL_GvYn"],"cl":"pkg-basic"},{"key":"edou5BcJHGF","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1700466121133,"LoadAnimation":{"duration":0.6,"delay":0,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1700466121133,"LoadAnimation":{"duration":0.6,"delay":0,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1700466121133,"LoadAnimation":{"duration":0.6,"delay":0,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eM2WmRGyVp5","content":{"text":"How Veriff can help you fight the AI threat
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["edou5BcJHGF"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"edGYj4dp1XH","content":{"text":"Technology to identify manipulated images
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eIEbTK9YQsr","content":{"src":{"key":"c44dVETDHD","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eBQxgUhXdAp","type":"frame","children":["edGYj4dp1XH","eIEbTK9YQsr"],"cl":"pkg-basic"},{"key":"eyEWv523Hhz","content":{"text":"Biometric analysis of photographs and videos
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e5wqgMzgoH7","content":{"src":{"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","key":"c44dVETDHD","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ec5lniluvtg","type":"frame","children":["eyEWv523Hhz","e5wqgMzgoH7"],"cl":"pkg-basic"},{"key":"ee7qCzyS440","content":{"text":"The ability to identify patterns across verifications and customers
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eY5fD-2pbs2","content":{"src":{"key":"c44dVETDHD","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"enFPigYIRhn","type":"frame","children":["ee7qCzyS440","eY5fD-2pbs2"],"cl":"pkg-basic"},{"key":"eg3q6XtPBN5","content":{"text":"Examination of key device attributes
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"exgyhzZJxLs","content":{"src":{"key":"c44dVETDHD","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"epWkxxbQq3b","type":"frame","children":["eg3q6XtPBN5","exgyhzZJxLs"],"cl":"pkg-basic"},{"key":"e3wWTYFWqoJ","type":"frame","children":["eBQxgUhXdAp","ec5lniluvtg","enFPigYIRhn","epWkxxbQq3b"],"cl":"pkg-basic"},{"key":"eq9XP7M2J5R","content":{"text":"Veriff’s software development kits are secure and robust by nature because we can control their interactions, making it difficult for fraudsters to digitally inject media into the stream. In effect, we build a hard wrapper around our system, ensuring that content that’s captured or uploaded is valid. We also offer a multi-dimensional approach to tackling these problems:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eNoIifnveo8","content":{"children":[]},"type":"section","children":["eM2WmRGyVp5","e3wWTYFWqoJ","eq9XP7M2J5R"],"cl":"pkg-basic"},{"key":"em7oRyihZji","content":{"children":[],"cont":{"tablet":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"desktop":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}},"mobile":{"params":{"trigger":"Load","updated":1732709147081,"LoadAnimation":{"duration":0.6,"delay":0.25,"translateX":["-300","0"],"preset":"slideInLeft","opacity":[0,1],"easing":"easeOutQuart"}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eRy94klFnyZ","content":{"text":"Veriff’s platform is built on sophisticated models that constantly evolve, providing a multi-layered approach that combines threat-mitigation tools. We treat the absence of data as a risk factor itself and provide a robust and comprehensive check of identity documents.
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["em7oRyihZji"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"e_BRk8Zo_yC","content":{"text":"Ira Bondar, Senior Fraud Group Manager, Veriff
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"epvnN3cGG4t","content":{"src":{"ratio":0.9997145304025121,"key":"DJU1u2_vdI","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,h=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/DJU1u2_vdI.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eQoIjVGj_KC","content":{"src":{"key":"lw6ByhJ3Gd"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eHppG9lPuh5","content":{"children":[]},"type":"section","children":["eRy94klFnyZ","e_BRk8Zo_yC","epvnN3cGG4t","eQoIjVGj_KC"],"cl":"pkg-basic"},{"key":"edkSEy9K2TE","content":{"text":"The fraud prevention ecosystem
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eY41dM0jgo3","content":{"text":"Veriff is building the infrastructure for trust online. We are doing this by helping digital organizations:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eOPEMrkfmta","content":{"text":"Comply with regulations","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eMVBZXH-_1B","content":{"children":[]},"type":"frame","children":["eOPEMrkfmta"],"cl":"pkg-basic"},{"key":"esfl8y7UR4e","content":{"text":"Fight ever-more sophisticated fraud
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eQdioJ7zu0R","content":{"children":[]},"type":"frame","children":["esfl8y7UR4e"],"cl":"pkg-basic"},{"key":"eNQyuEx-idj","content":{"text":"Achieve growth on a global scale
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e-5CougspIX","content":{"children":[]},"type":"frame","children":["eNQyuEx-idj"],"cl":"pkg-basic"},{"key":"eM4gGKaJysa","type":"frame","children":["eMVBZXH-_1B","eQdioJ7zu0R","e-5CougspIX"],"cl":"pkg-basic"},{"key":"eBitSk3L6OX","content":{"children":[]},"type":"section","children":["edkSEy9K2TE","eY41dM0jgo3","eM4gGKaJysa"],"cl":"pkg-basic"},{"key":"e_uFWuVuG8L","content":{"children":[],"cont":{"tablet":{"params":{"LoadAnimation":{"easing":"easeOutQuart","opacity":[0,1],"duration":0.6,"delay":0,"translateX":["-300","0"],"preset":"slideInLeft"},"updated":1700466121133,"trigger":"Load"}},"desktop":{"params":{"trigger":"Load","LoadAnimation":{"translateX":["-300","0"],"duration":0.6,"opacity":[0,1],"preset":"slideInLeft","delay":0,"easing":"easeOutQuart"},"updated":1700466121133}},"mobile":{"params":{"trigger":"Load","updated":1700466121133,"LoadAnimation":{"preset":"slideInLeft","easing":"easeOutQuart","duration":0.6,"opacity":[0,1],"delay":0,"translateX":["-300","0"]}}}}},"type":"w75y8u1c","cl":"pkg-basic"},{"key":"eI6hk93AMN0","content":{"text":"To do these three things, businesses must ask three key questions of their customers:
","children":[]},"preset":"pok2v6aIQL9","type":"text","actions":["e_uFWuVuG8L"],"cl":"pkg-basic pok2v6aIQL9"},{"key":"er4hszUL3Vt","content":{"text":"Is this person real at the moment of signing up for an account?
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e6vGB1lo_JN","content":{"text":"Is this person trusted - are they a potential fraud risk or are they a high-value customer?
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ePOn9vGu3HN","content":{"text":"Is this still the same real and trusted person logging in throughout the lifetime of that account?
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"exV43FJApq-","content":{"src":{"key":"bWf2vnFFFP","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/bWf2vnFFFP.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e398c-ap3vf","content":{"src":{"key":"GLj6GZH9Lx","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/GLj6GZH9Lx.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ej_GkGCTp5V","content":{"src":{"key":"8UsbDS2SWB","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/8UsbDS2SWB.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"elLIuYVP0Sb","content":{"children":[]},"type":"section","children":["eI6hk93AMN0","er4hszUL3Vt","e6vGB1lo_JN","ePOn9vGu3HN","exV43FJApq-","e398c-ap3vf","ej_GkGCTp5V"],"cl":"pkg-basic"},{"key":"eFtLyKyT_vY","content":{"text":"Veriff is uniquely placed because we have the ability to provide positive answers to the challenges facing businesses today
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eDuqFaAREEl","content":{"text":"Preparing you for the rise of deepfakes
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"el8gw02qihn","content":{"text":"Our IDV solution verifies users at the point of sign-up to your systems, confirming they are genuine. Our cross-linking and risk scores create a powerful network effect from across our customer base that enables you to determine whether a customer is to be trusted. And our Biometric Authentication solution enables you to ensure the returning user is still the genuine owner of the account throughout that account’s lifespan.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eBjo7gFrHnM","content":{"text":"The customer identity solution built to answer these questions
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e8F0IrDLYPA","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"eB9p7XR19tU","content":{"text":"Human thought behind the machine learning
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eKlCKZBgfuh","content":{"text":"Veriff uses machine learning to detect patterns or anomalies that identify fraud, including those created with deepfakes. This could involve detecting inconsistencies in facial features, skin texture, or lighting conditions. But even with advanced AI, some deepfakes might be sophisticated enough to fool automated systems. Having trained professionals review flagged cases can provide an extra layer of security.
By combining these techniques with ongoing research and development, we aim to stay one step ahead of emerging fraud techniques and safeguard our systems and users against potential threats.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eGCCEQpWmIu","content":{"text":"We have been seeing deepfakes for a couple of years already in our customers’ sessions. With the recent generative AI boom, we can see more and more of these kinds of sessions coming in, where the images have been generated with AI. We take a multi-layered approach to combating deepfakes and AI-generated media.
One key strategy is implementing face liveness checks to validate the authenticity of human presence. This involves using algorithms to detect subtle facial movements and responses, ensuring that the individual interacting with our systems is indeed real.
In addition, we employ a variety of checks to validate the legitimacy of documents. This includes leveraging machine learning algorithms to analyze document features and detect anomalies or signs of manipulation, as well as our proprietary document specimen database populated by document experts.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e1yjfOasff4","content":{"children":[]},"type":"section","children":["eFtLyKyT_vY","eDuqFaAREEl","el8gw02qihn","eBjo7gFrHnM","e8F0IrDLYPA","eB9p7XR19tU","eKlCKZBgfuh","eGCCEQpWmIu"],"cl":"pkg-basic"},{"key":"e2XuZDgXIIa","content":{"text":"Our core Document and Identity Verification solution uses advanced AI and is supported by fraud mitigation tools. We deploy machine learning-powered checks, advanced fraud network mitigation strategies, and a team of in-house counter-fraud experts to help protect organizations.
Meanwhile, our Fraud Protect solution helps to identify patterns and deliver actionable insight built on industry expertise, enabling users to approve greater numbers of genuine users and eliminate more fraud. Its elements are:
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e5ZqMbh1fda","content":{"src":{"key":"3i_lkinAfu","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/3i_lkinAfu.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eTOlUV7bXFr","content":{"text":"Which searches for signs of physical or digital data or structural manipulation.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ePhobuR2bg0","content":{"text":"This prevents individuals suspected of fraud from attempting to access your business.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"edSlO7R58Il","content":{"text":"Offers biometric analysis of the user’s selfie image for signs of physical or digital manipulation.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e7gTjT5n4DM","content":{"text":"Which collects and analyzes multiple signals from the user’s device and network to identify potential risk.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eGd7hhUAphD","content":{"text":"CrossLinks and RiskScore techniques are something we utilize across our portfolio to build a comprehensive picture of fraud-related danger, including the risks from deepfakes (see below for more detail).
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eqt8m0LN6mF","content":{"text":"Analyzing the biometric characteristics from a submitted selfie image to ensure that the subject is real and physically present during the verification, as well as checking for signs of manipulation.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"e9k299dXluT","content":{"src":{"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","key":"c44dVETDHD","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eFmEJOQ6F2y","content":{"src":{"key":"c44dVETDHD","ratio":1,"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eOscsonLJ7z","content":{"src":{"key":"c44dVETDHD","ratio":1,"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eNowpxVNyVZ","content":{"src":{"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","ratio":1,"key":"c44dVETDHD"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ej-cCEi_Pjg","content":{"src":{"key":"c44dVETDHD","ratio":1,"url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eiMjzpmDEwu","content":{"src":{"key":"c44dVETDHD","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/c44dVETDHD.png","ratio":1},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"evDGAk4qGQ7","content":{"text":"DocCheck:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eacv06bN1FX","content":{"text":"FaceBlock:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eTeaYsjbh6c","content":{"text":"FaceCheck:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ezMGtklgtE5","content":{"text":"DeviceCheck:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eeXp50hyBEb","content":{"text":"CrossLinks and RiskScore:
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e-gPzV5jjme","content":{"text":"FaceCheck Liveness:
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Of course, this is just one tool in the customer’s armory. They can take our RiskScore and combine it with their own risk information – how a user is accessing a service, the other services they use, and their history as a customer. This lets them make an even more informed decision. But with Veriff’s RiskScore, they have a digestible piece of data that they can use to supercharge their decision-making.
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This capability has deepened and expanded. We have long been capable of identifying a document that shows up on multiple occasions with the same customer, or the same biometrics, IP address, or device characteristics.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ezoQ7lIxY_w","content":{"text":"With Industry CrossLinks, we can look cross-customer, within the same industry vertical - for example, looking to see if the same fraudster has been working across our financial services customers - and the fact we work globally means we can spot evolving trends that a customer working on their own would never be aware of. All of this can happen without any personally identifiable information being shared across customers.
This is effective because fraudsters will always try to reuse their tools and tactics across multiple organizations. Even as they turn to machine learning, AI, and deepfakes, they will reuse credentials, templates, and faces. Our Industry CrossLinks capability stops them in their tracks.
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eCYZafJlXGO","content":{"children":[]},"type":"section","children":["eMNsjNJ52Wb","eRc3w-rYJQm"],"cl":"pkg-basic"},{"key":"e2O6WFkFeIA","content":{"text":"learn more
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eR3VsNC5iGK","content":{"text":"We have plenty of resources available for you to learn more about fraud, and how to protect your business.
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eJh2X6yRWB-","content":{"text":"Visit our dedicated Fraud Education Center here
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eirTKpeQA0r","content":{"src":{"key":"tcfkLQxkHb","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/tcfkLQxkHb.png","ratio":1.0033444816053512},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eFcYseqdS1k","content":{"text":"Learn more about the threat of AI and deepfakes here
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"enGMB7RbA5d","content":{"src":{"key":"tcfkLQxkHb","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/tcfkLQxkHb.png","ratio":1.0033444816053512},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e8QnQTOs9Rf","content":{"text":"Discover the cost of fraud with our interactive RoI calculator here
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"ekzt4gCwlsj","content":{"src":{"key":"tcfkLQxkHb","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/tcfkLQxkHb.png","ratio":1.0033444816053512},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e9qxL7FCNuJ","content":{"text":"Explore our fraud-prevention solutions here
","children":[]},"preset":"pok2v6aIQL9","type":"text","cl":"pkg-basic pok2v6aIQL9"},{"key":"eEG2wa1XCKu","content":{"src":{"key":"tcfkLQxkHb","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/tcfkLQxkHb.png","ratio":1.0033444816053512},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e6eQ9x3bVVS","content":{"src":{"key":"hQaN_ifiIZ"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ek79f1YqaDK","content":{"children":[]},"type":"section","children":["e2O6WFkFeIA","eR3VsNC5iGK","eJh2X6yRWB-","eirTKpeQA0r","eFcYseqdS1k","enGMB7RbA5d","e8QnQTOs9Rf","ekzt4gCwlsj","e9qxL7FCNuJ","eEG2wa1XCKu","e6eQ9x3bVVS"],"cl":"pkg-basic"},{"key":"esFozi5SwhI","content":{"text":"Contributions
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e5bU4g8GhFD","content":{"text":"The Veriff Identity Fraud Report 2025 team:
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","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eNYJbynErkH","content":{"text":"Senior Fraud Group Manager
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eDW27qAGtf5","content":{"src":{"key":"PFpTxC_ova","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/PFpTxC_ova.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"eL8gNojW52D","type":"frame","children":["euDMZK4R0uG","e47DHlrFBK9","eNYJbynErkH","eDW27qAGtf5"],"cl":"pkg-basic"},{"key":"ewss775-ZHO","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"e7VTLncs2JK","content":{"text":"Papuna Abesadze
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"ePYdNzWGuGe","content":{"text":"Data Analyst for Fraud and Automation
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eb7ujSfIG2k","content":{"src":{"key":"cSdbiPlVzK","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/cSdbiPlVzK.png"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"evafkr4H5f4","type":"frame","children":["ewss775-ZHO","e7VTLncs2JK","ePYdNzWGuGe","eb7ujSfIG2k"],"cl":"pkg-basic"},{"key":"efujH2jhYye","content":{"text":"Chris Hooper
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e7gtiE7i3l2","content":{"text":"Global Director of Brand
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"e6zQ6GOMBXi","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"ed2R4k9wYDE","content":{"src":{"key":"CORW5mtUAt","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82,h=1920/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/CORW5mtUAt.jpg"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"ezg9Fba_sie","type":"frame","children":["efujH2jhYye","e7gtiE7i3l2","e6zQ6GOMBXi","ed2R4k9wYDE"],"cl":"pkg-basic"},{"key":"eN60Ppa4nsG","content":{"children":[]},"type":"frame","cl":"pkg-basic"},{"key":"e5B1TsDBhGu","content":{"text":"Ami Smith
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eOVo_YTnPgc","content":{"text":"Senior Graphic Designer
","children":[]},"type":"text","cl":"pkg-basic"},{"key":"eMNM0Pow7zm","content":{"src":{"key":"ZQHo_uwQaW","url":"https://cdn.vev.design/cdn-cgi/image/f=auto,q=82/private/iZsPuPTL9jMxPuhNOvCjqkyFvtC2/image/ZQHo_uwQaW.jpg"},"children":[]},"type":"image","cl":"pkg-basic"},{"key":"e638zhQ70TW","type":"frame","children":["eN60Ppa4nsG","e5B1TsDBhGu","eOVo_YTnPgc","eMNM0Pow7zm"],"cl":"pkg-basic"},{"key":"evkJqHYjuJ3","content":{"children":[]},"type":"section","children":["esFozi5SwhI","e5bU4g8GhFD","eL8gNojW52D","evafkr4H5f4","ezg9Fba_sie","e638zhQ70TW"],"cl":"pkg-basic"},{"key":"eF2B3aq3vDd","content":{"text":"About Veriff","loop":false,"startDelay":0,"endDelay":0,"fadeOutElement":"word","animationPreset":0,"easing":"easeInOutQuint","children":[]},"type":"w77ya1ds","cl":"pkg-p77ya0hd"},{"key":"eCNpF_dtVND","content":{"text":"Veriff is the preferred identity verification and authentication partner for the world’s biggest and best digital companies, including pioneers in fintech, crypto, gaming, and the mobility sectors. We provide advanced technology, deep insights, and expertise from our foundation in digital-first Estonia and honed in leading the digital identity revolution. The partner of choice for businesses who need to rapidly and effortlessly verify online users from anywhere in the world, Veriff delivers the broadest possible identity document coverage.
By supporting government-issued IDs from more than 230 issuing countries and territories and with our intelligent decision engine, which analyzes thousands of technological and behavioral variables, Veriff enables trust from the first hello.
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