Banks Rethink Identity Checks as AI Fakes Voices and Faces

The next generation of payment fraud doesn’t seem very suspicious. In fact, it already sounds like a familiar customer, types at a perfectly ordinary pace and navigates a banking application without triggering a single behavioral warning. Findings in the September 2026 edition of the Payments Innovation Tracker® Series , a PYMNTS Intelligence report done in collaboration with Paymentology, highlight that the industry is confronting a shift from isolated fraudulent transactions toward persistent