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2025 Identity and Fraud Trends for Retailers: Payments, Biometrics and Consumer Trust

Fraud
Payments
Experian
Oct 01, 2025
Webinars

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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