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State of Fraud Report 2026: How AI has industrialized ecommerce fraud

Fraud

Account Takeover

Fraud prevention innovation

Signifyd

Sep 08, 2026

Reports

Fraudsters today can drop their hand tools and go to work with sophisticated, inexpensive AI machines that provide the skills criminals once had to learn. It means smaller teams can work faster at scale and that merchants need to adjust accordingly.

The State of Fraud Report 2026 digs into the interconnected underworld of phishing and fraud and details the way organized rings are advancing in an era of easily accessible AI tools. While it's always been true, it's never been more apparent: Online fraud thrives thanks to an ecosystem of identity theft, account takeover, payment fraud, fake storefront schemes and refund and return fraud, all made more treacherous by AI.

Read about the real life schemes bedeviling merchants today and hear from risk professionals who have taken on the fraudsters who are on the attack.

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