Confident Decisions Begin with Trust. But Building It Is Harder Than Ever

In an increasingly complicated world, trust is the foundation of every confident business decision. Yet, establishing trust is increasingly challenging. First-party fraud is surging, the dark web has become a thriving marketplace for criminal activity and the complexity of digital identities is escalating. Meanwhile, the battle between “good” and “bad” AI is intensifying, with both sides racing to outpace the other.

Welcome to the Global State of Fraud 2026

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Global State of Fraud and Identity Report

                               
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Navigating a Complex Risk Landscape

36%

of fraud seen by LexisNexis® Digital Identity Network® is first-party

85%

of identity fraud cases involve generative AI

15

is the average number of mules per network uncovered by LexisNexis® Digital Identity Network®   

Reasons for Optimism: Collaboration and Innovation

Despite these challenges, there is hope. Companies worldwide are joining forces, sharing anti-fraud data and insights to disrupt criminal networks. Advances in AI are empowering legitimate businesses to analyze vast amounts of contextual evidence at scale, enabling faster, more accurate decisions. By collaborating and redefining trust, organizations can automate actions in near real-time and keep their businesses moving forward.
 

In this report, you will read about:

  • First-party fraud has doubled in the past year, now accounting for 36% of all fraud events. 
  • The dark web has evolved into a comprehensive fraud-as-a-service marketplace. 
  • Money mule networks are critical to digital fraud, but new tools are helping security teams disrupt them. 
  • AI is both a threat and a solution—criminals use it to improve scams, but businesses use it to strengthen defenses. 
  • Collaboration across organizations increases fraud detection rates by 43%. 
“Businesses run on trust. That means contextual insight at scale. LexisNexis® Risk Solutions shines a light on the challenges fraud teams throughout the world are facing—and the solutions to get it right.”

— Kimberly Sutherland, Global Head of Fraud & Identity, LexisNexis® Risk Solutions
 


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