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AI AML/CFT Artificial Intelligence Fraud Prevention Fraud Trends

Mitek Systems | Fraud forecast 2026: Experts share predictions to help protect what’s real in the year ahead

By Conor Rector

As this year winds down, many teams are taking a well-deserved breath. But in the world of fraud prevention, the pace rarely slows—and the forces reshaping the landscape in 2025 are already defining what comes next.

Generative AI has lowered the barrier to deepfakes and synthetic identities. Fraud-as-a-service networks are advancing with alarming speed. Autonomous AI agents are entering the mainstream. And identity-based attacks have grown not only in volume, but in sophistication. Every organization working to protect what’s real—their customers, revenue, and reputation—now faces threats that look more “real” than ever.

Each year, we gather insights from leaders across digital identity, fraud detection, financial crime, telecommunications, and risk management. The message for 2026 is consistent: the threat landscape will intensify, but so will our ability to defend against it.

This forecast is designed to help you understand what’s ahead, anticipate how attackers will evolve, and take practical steps today to strengthen trust and resilience.

2025 was the spark. 2026 will be the blaze.

Looking back, 2025 was a year of rapid change. Identity fraud didn’t just evolve, it multiplied.

Attackers blended AI-powered impersonation, deepfakes, behavioral manipulation, and automation into highly effective schemes. Regulatory expectations grew more defined. And the push for stronger, more transparent identity assurance became universal.

These shifts aren’t slowing down. They’re setting the pace for 2026.

Organizations across industries are asking the same questions:
How do we stay ahead? How do we adapt? How do we protect what’s real when the threats look more “real” than ever?

This forecast is designed to help you understand what’s ahead, anticipate how attackers will evolve, and take practical steps today to strengthen trust and resilience.

2026 predictions from industry innovators

We turned to some of the most respected minds in fraud prevention and digital identity for their 2026 forecasts, at a moment when tomorrow’s challenges are rapidly becoming today’s realities. Each prediction reflects a defining shift for the year ahead, informed by leaders already navigating what comes next.

Forecast #1: AI becomes mission-critical for fighting fraud.

Ravi Nemalikanti — Chief Product & Technology Officer, Abrigo

“Banks that began integrating generative AI in 2025 are now preparing to make it central to daily operations. In 2026 banks will increasingly rely on AI-powered solutions for critical tasks such as enhanced fraud monitoring, decision-making and process optimization. More than a third of institutions either have already integrated AI into key processes or have pilots underway, according to Abrigo’s survey of nearly 300 bankers. The data reinforces what leaders are already seeing on the ground: AI has moved from a theoretical advancement to a practical requirement for institutions seeking efficiency and competitiveness.

In the AML/CFT and fraud space, AI-powered tools are a tactical solution to staffing issues. An Abrigo poll of more than 90 FinCrime professionals revealed that 43% are most concerned about staffing and not being able to keep up. By leveraging AI to reduce false positives, detect emerging threats, and streamline compliance reporting, financial institutions can enhance their fraud and BSA programs without adding to headcount.”

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To see the full article, visit Mitek Systems, “Fraud forecast 2026: Experts share predictions to help protect what’s real in the year ahead.”