H2 2026 Update: Top Fraud Trends

Fraudsters are no longer limited to stolen credentials or isolated scams. They increasingly use synthetic identities, AI-enabled attacks and communications channels to exploit trust throughout the customer lifecycle. As a result, organisations may need to move beyond point-in-time identity verification and toward a more continuous approach to assessing trust across customer interactions.

This report examines why trust can no longer be established at onboarding alone and explores the trends reshaping fraud, identity and trust across global and Hong Kong.

Latest insights include:

• How synthetic identities, communications-based fraud and AI-enabled attacks are reshaping digital trust
• The fraud and trust trends impacting businesses and consumers globally
• Where fraud risk emerges across onboarding, account access, communications
• Five predictions shaping the future of fraud, identity and digital trust

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About the research
The report combines findings from TransUnion's global intelligence network with business and consumer research conducted across multiple markets, creating a view of fraud trends across identity, digital interactions, communications and account activity.