2024 Fraud Trends in Banking, Insurance, and Beyond

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As technology progresses, so do the capabilities of institutions to secure data and systems. Over 2024, the fraud landscape has been complex, and organisations must push the boundaries of innovation while maintaining a high security bar as the availability and democratisation of AI increases as we're going into..." /><meta property="og:url" content="https://www.finextra.com/researcharticle/321/2024-fraud-trends-in-banking-insurance-and-beyond" /><meta property="og:image" content="https://www.finextra.com/finextra-images/top_pics/xl/aws-vonage-paper-31102024-hp.png" /><meta property="article:publisher" content="https://www.facebook.com/Finextra-152506594761939/" /><meta property="article:published_time" content="0001-01-01T00:00:00" /><meta name="twitter:card" content="summary_large_image" /><meta name="twitter:description" content="How generative AI is boosting fraud protection in an increasingly complex environment. 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As technology progresses, so do the capabilities of institutions to secure data and systems. Over 2024, the fraud landscape has been complex, and organisations must push the boundaries of innovation while maintaining a high security bar as the availability and democratisation of AI increases as we're going into..." } </script> </head> <body> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-P64CHFM" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <form method="post" action="/researcharticle/321/2024-fraud-trends-in-banking-insurance-and-beyond?utm_medium=mini-text&utm_source=finextra-site" onsubmit="javascript:return WebForm_OnSubmit();" id="aspnetForm"> <div> <input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="" /> <input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="" /> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" 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class="row"> <div class="col-12"> <nav aria-label="breadcrumb" class="breadcrumb-container"> <ol id="ctl00_ctl00_body_breadcrumb_Trail_list" class="breadcrumb"> <li class="breadcrumb-item"><a href="https://www.finextra.com">Home</a></li><li class="breadcrumb-item"><a href="https://www.finextra.com/research">Research</a></li><li class="breadcrumb-item active" aria-current="page">2024 Fraud Trends in Banking, Insurance, and Beyond</li></ol> </nav> </div> </div> </div> </section>    <section class="section--report-body section--report-body-landingpage"> <div class="container"> <div class="row">  <div class="col-12"> <div class="landingpage-grid"> <div class="landingpage-grid-item landingpage-grid-item-intro"> <span class="tag tag-highlight tag-light-grey">Impact Study</span> <h1>2024 Fraud Trends in Banking, Insurance, and Beyond</h1> <p class="standfirst">How generative AI is boosting fraud protection in an increasingly complex environment.</p> <div class="landingpage-grid-item-intro-stats"> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-31 00:00:00Z">31 October 2024</time> <span class="card-download card-icon download">220 downloads</span> </p> </div> </div> <div class="landingpage-grid-item landingpage-grid-item-introbutton"> <a href="#getthereport"><button class="button button-primary button-center button-fullWidth"><span class="button-text">Get the report</span></button></a> </div> <div class="landingpage-grid-item landingpage-grid-item-main"> <div class="landingpage-grid-item-main-logos"> <div id="ctl00_ctl00_body_main_SummaryForm_rItems_ctl00_dLogo" class="reportlogo" style="background-image: url(/finextra-images/top_pics/xl/aws-logo.png)"></div> <div id="ctl00_ctl00_body_main_SummaryForm_rItems_ctl01_dLogo" class="reportlogo" style="background-image: url(/finextra-images/top_pics/xl/vonage.png)"></div> </div> <div class="alt-body-copy"> <p>As technology progresses, so do the capabilities of institutions to secure data and systems. Over 2024, the fraud landscape has been complex, and organisations must push the boundaries of innovation while maintaining a high security bar as the availability and democratisation of AI increases as we're going into 2025.</p> <p>The tidal wave of incoming regulation in the financial sector is an aspect that will help banking and insurance companies to safeguard their customers and data in the best way possible. Yet regulation alone does not address fraud – it’s up to individual organisations to leverage the potential of technology, and review their solutions, processes, and thus ensure compliance and safety.</p> <p>As fraud and regulation increase in the space, technology is one of the key factors that will help banks and insurance companies to address these increased fraud risks. Generative AI enables organisations to deliver hyper-personalised customer experiences, and combining these capabilities with carrier network insights can not only help them significantly reduce authentication fraud, but also ensure regulatory compliance.</p> <p><strong>This impact study, produced in association with <em>AWS </em>and <em>Vonage</em>, examines the current fraud landscape across financial services, banking, and insurance, highlighting how generative AI and network APIs can help prevent fraud while enhancing the customer experience.</strong></p> <p><strong>Explore:</strong><em> <br /> </em></p> <ul> <li><em>Fraud trends in 2024</em></li> <li><em>The impact of regulation<br /> </em></li> <li><em>Why data is the new gold<br /> </em></li> <li><em>How organisations can innovate with generative AI<br /> </em></li> <li><em>Best practices</em></li> </ul> </div> </div> <script type="text/javascript"> function ValidatorUpdateDisplay(val) { if (typeof (val.display) == "string") { if (val.display == "None") { return; } if (val.display == "Dynamic") { val.style.display = val.isvalid ? 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//]]> </script> <script type="text/javascript"> //<![CDATA[ var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.errormessage = "Business Email Address cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.errormessage = "Email is not in a valid format"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.evaluationfunction = "RegularExpressionValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl00_ctl04.validationexpression = "^(([^<>()[\\]\\\\.,;:\\s@\"]+(\\.[^<>()[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$"; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.errormessage = "First Name cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl01_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.errormessage = "Last Name cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl02_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.errormessage = "Company cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl03_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.errormessage = "Job Role cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl04_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.errormessage = "Industry cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl05_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl03"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.errormessage = "Country cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl06_ctl04.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.errormessage = "Postal Code cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl08_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.errormessage = "Phone Number cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl09_ctl03.initialvalue = ""; var ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03 = document.all ? document.all["ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03"] : document.getElementById("ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03"); ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.controltovalidate = "ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl02"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.focusOnError = "t"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.errormessage = "Your interest cannot be empty"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.display = "Dynamic"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.evaluationfunction = "RequiredFieldValidatorEvaluateIsValid"; ctl00_ctl00_body_main_DataCapturePage_researchInfo_ctl10_ctl03.initialvalue = ""; //]]> </script> <script src="/WebResource.axd?d=ORikNVkoK-ZrjXDXU0LPXkSyn9d-TE9Cl3NYN4ip5lgRD86YyBGWYJMcpemDJh7Xxz5O3nXT5M-wspGzFf1PqP0h5xlEQ9zXjzeOoC1xBgc1&t=638628243619783110" type="text/javascript"></script> <script type="text/javascript"> //<![CDATA[ var Page_ValidationActive = false; if (typeof(ValidatorOnLoad) == "function") { ValidatorOnLoad(); } function ValidatorOnSubmit() { if (Page_ValidationActive) { return ValidatorCommonOnSubmit(); } else { return true; } } //]]> </script> </form> </body> </html>

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