2025 Identity and Fraud Trends for Retailers: Payments, Biometrics and Consumer Trust
Fraud threats are evolving as fast as consumer expectations, and retailers are feeling the pressure. Experian’s 2025 U.S. Identity and Fraud Report: Merchant & Payments Edition, drawn from the experiences of thousands of consumers and hundreds of businesses, reveals the latest trends shaping trust in commerce.
Key insights include:
83% of consumers use peer-to-peer (P2P) payment apps - and they’re the only platforms trusted more than expected.
Retail apps rank second in engagement but fall short on trust, creating a critical credibility gap.
59% of businesses report rising fraud losses, and 70% plan to raise fraud prevention budgets in 2025.
Only 13% of consumers feel secure opening accounts with new brands, despite growing digital reliance.
Identity theft and stolen card data remain top concerns, far outpacing newer threats.
What are the learning objectives?
- Explore key fraud trends shaping merchant risk in 2025
- What consumers expect from secure, low-friction digital experiences
- Understand which tactics - like identity theft and stolen card data continue to dominate fraud patterns
- How advanced identity data and behavioral analytics can help reduce fraud and false declines
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