The Next Fraud Frontier Is the Impostor Who Passes Every Check

Card theft and account breaches remain major threats, but some of today’s fastest-growing fraud schemes begin earlier by targeting identity itself. Criminals increasingly use artificial intelligence to build false identities and mimic real voices and faces well enough to slip past existing checks. That leaves issuers with an additional question: not only whether a transaction looks risky, but whether the person behind it exists at all.