Researchbehavioral analyticsfraud detectioncredential theftblock
Banks Face Rising Unauthorized-Party Fraud Losses
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8.2
PYMNTS Intelligence and Block's 2025 report, based on a survey of 200 U.S. financial-institution executives, finds unauthorized-party schemes now drive 71% of fraud incidents and losses, up from 48% last year. Average fraud losses rose to 0.8 basis points (large banks above 3.5 bps); 68% increased detection spending and 70% use AI or behavioral analytics, with about half planning cloud platforms and more outsourcing.
Scoring Rationale
Official PYMNTS-Block survey provides credible, actionable industry-wide findings; limited novelty beyond confirming evolving credential-theft trends.
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