Every Dollar Lost to Fraud Costs North America's Financial Institutions $5, According to LexisNexis Risk Solutions
LexisNexis Risk Solutions (NYSE:RELX) has released its 2025 True Cost of Fraud Study for North America, revealing that financial institutions now lose $5 for every $1 of direct fraud loss, a 25% increase from $4 in 2021. The study highlights that 44% of North American financial institutions still primarily rely on manual processes for fraud prevention, while only 20% are mostly or fully automated.
The research identifies key fraud vulnerabilities, with 38% of fraud losses attributed to scams in US lending, and 70% of US organizations reporting at least a 10% increase in mobile fraud over the past year. Bot attacks have emerged as a significant threat, with 48% of institutions reporting increased monthly bot attacks, while customer attrition due to fraud controls has affected 71% of US lenders and 78% of Canadian lenders.
LexisNexis Risk Solutions (NYSE:RELX) ha pubblicato il suo Studio sul Vero Costo delle Frodi 2025 per il Nord America, rivelando che le istituzioni finanziarie ora perdono $5 per ogni $1 di perdita diretta da frode, un aumento del 25% rispetto ai $4 del 2021. Lo studio sottolinea che il 44% delle istituzioni finanziarie nordamericane si affida ancora principalmente a processi manuali per la prevenzione delle frodi, mentre solo il 20% è per lo più o completamente automatizzato.
La ricerca individua le principali vulnerabilità alle frodi: il 38% delle perdite è attribuito alle truffe nel settore dei prestiti negli USA, e il 70% delle organizzazioni statunitensi segnala almeno un aumento del 10% delle frodi mobile nell’ultimo anno. Gli attacchi bot sono emersi come una minaccia significativa, con il 48% delle istituzioni che dichiara un aumento degli attacchi bot mensili, mentre l’abbandono dei clienti a causa delle misure antifrode ha colpito il 71% dei finanziatori statunitensi e il 78% di quelli canadesi.
LexisNexis Risk Solutions (NYSE:RELX) ha publicado su Estudio sobre el Verdadero Coste del Fraude 2025 para Norteamérica, revelando que las instituciones financieras ahora pierden $5 por cada $1 de pérdida directa por fraude, un aumento del 25% respecto a los $4 de 2021. El estudio destaca que siguen dependiendo principalmente de procesos manuales para la prevención del fraude, mientras que solo el 20% está mayoritariamente o completamente automatizado.
La investigación identifica vulnerabilidades clave frente al fraude: el 38% de las pérdidas se atribuye a estafas en el sector de préstamos en EE. UU., y el 70% de las organizaciones estadounidenses informa al menos un aumento del 10% en el fraude móvil durante el último año. Los ataques de bots se han convertido en una amenaza importante, con el 48% de las instituciones reportando un incremento de ataques de bots mensuales, mientras que la pérdida de clientes debido a controles antifraude ha afectado al 71% de los prestamistas estadounidenses y al 78% de los canadienses.
LexisNexis Risk Solutions (NYSE:RELX)는 북미 지역을 위한 2025년 실제 사기 비용 조사 결과를 발표했으며, 금융기관이 이제 직접 사기 손실 1달러당 5달러를 잃고 있다고 밝혔습니다. 이는 2021년의 4달러에서 25% 증가한 수치입니다. 연구에 따르면 북미 금융기관의 44%가 여전히 사기 방지에 주로 수동 프로세스를 사용하고 있으며, 오직 20%만이 대부분 또는 전적으로 자동화되어 있습니다.
연구는 주요 사기 취약점을 지적합니다. 미국 대출에서 발생한 사기 손실의 38%가 사기에 기인하며, 70%의 미국 기관은 지난 1년간 모바일 사기가 최소 10% 이상 증가했다고 보고했습니다. 봇 공격은 중요한 위협으로 부상했으며, 48%의 기관이 월별 봇 공격 증가를 보고했으며, 사기 방지 조치로 인한 고객 이탈은 미국 대출기관의 71%와 캐나다 대출기관의 78%에 영향을 미쳤습니다.
LexisNexis Risk Solutions (NYSE:RELX) a publié son étude 2025 sur le coût réel de la fraude pour l’Amérique du Nord, révélant que les institutions financières perdent désormais 5 $ pour chaque 1 $ de perte directe due à la fraude, soit une hausse de 25% par rapport à 4 $ en 2021. L’étude souligne que 44% des institutions financières nord-américaines s’appuient encore principalement sur des processus manuels pour prévenir la fraude, tandis que seulement 20% sont majoritairement ou entièrement automatisées.
La recherche identifie les principales vulnérabilités face à la fraude : 38% des pertes sont attribuées aux escroqueries dans le secteur du crédit aux États-Unis, et 70% des organisations américaines signalent au moins une augmentation de 10% de la fraude mobile au cours de l’année écoulée. Les attaques par bots sont devenues une menace notable, 48% des institutions signalant une augmentation des attaques bots mensuelles, tandis que la perte de clientèle liée aux contrôles antifraude a touché 71% des prêteurs américains et 78% des prêteurs canadiens.
LexisNexis Risk Solutions (NYSE:RELX) hat seine Studie zu den tatsächlichen Kosten von Betrug 2025 für Nordamerika veröffentlicht und zeigt, dass Finanzinstitute nun $5 für jeden $1 an direktem Betrugsverlust verlieren – ein Anstieg von 25% gegenüber $4 im Jahr 2021. Die Studie hebt hervor, dass 44% der nordamerikanischen Finanzinstitute weiterhin hauptsächlich auf manuelle Prozesse zur Betrugsprävention setzen, während nur 20% überwiegend oder vollständig automatisiert sind.
Die Untersuchung identifiziert zentrale Betrugsschwachstellen: 38% der Betragsverluste werden Betrugsfällen im US-Kreditgeschäft zugeschrieben, und 70% der US-Organisationen berichten von einer mindestens 10%igen Zunahme von Mobile-Fraud im vergangenen Jahr. Bot-Angriffe haben sich zu einer bedeutenden Bedrohung entwickelt: 48% der Institute melden vermehrte monatliche Bot-Angriffe, und die Abwanderung von Kunden aufgrund von Betrugskontrollen hat 71% der US-Kreditgeber und 78% der kanadischen Kreditgeber betroffen.
- None.
- Fraud multiplier increased 25% since 2021, now costing over $5 for every $1 lost to fraud
- 44% of financial institutions still rely mostly on manual processes for fraud prevention
- 70% of US organizations reported mobile fraud increased at least 10% in the last 12 months
- 71% of US lenders and 78% of Canadian lenders reported higher customer churn due to fraud prevention
- 48% report a rise in monthly bot attacks over the past year
Nearly Half of US and Canada FIs Still Rely on Manual Tools While Bots and Scams Surge
The LexisNexis Fraud Multiplier™ shows fraud's growing impact on operations, compliance, reputation and customer trust. Since 2021, it has increased across all financial services segments in
Type of FI | 2021 Cost per | 2025 Cost per |
US Financial Services | ||
US Lending | ||
Canadian Financial Services | ||
Canadian Lending |
FIs highlight fraud vulnerabilities at every stage of the customer journey. Among US financial services firms,
Many organizations fail to track fraud comprehensively, leading to underestimated losses. Only
Nearly half of FIs (
"Fraud is a dynamic, escalating threat that touches every corner of an FI's operations. However, FIs don't need simply accept it as a cost of doing business," said Kimberly Sutherland, global head of fraud and identity at LexisNexis Risk Solutions. "Our latest study reveals that as fraud losses climb, many organizations still depend on manual processes that fail to match today's sophisticated attacks. Leading FIs with the lowest fraud costs adopt automation, AI and cross-channel visibility to detect more fraud faster through a multi-layered approach. Importantly, they attain this while preserving the experience for genuine customers."
Key Findings from the True Cost of Fraud™ Study 2025 North America:
- Scams pose an increasing threat to FIs. Scams cause
38% of total fraud losses for US lenders and36% of overall fraud losses across all FIs. - Malicious bots present a mounting threat to financial institutions. Forty-four percent (
44% ) identify bots as a major hurdle in verifying customer identities online and via mobile channels, while48% report a rise in monthly bot attacks over the past year. - Mobile fraud represents a major risk, accounting for over a third of total fraud losses across FIs. US FIs are the most vulnerable, with mobile fraud increasing in financial services while remaining steady or slightly declining among lenders. Seventy percent (
70% ) of US organizations reported mobile fraud increased at least10% in the last 12 months. - Fraud controls have led to increased customer attrition for many North American institutions. Over the past 12 months,
71% of US lenders and78% of Canadian lenders reported higher customer churn due to fraud prevention strategies. Balancing robust protection with a lower friction for trusted customers remains a critical challenge. - Fraud-mature organizations take a proactive approach to tracking fraud and invest in future prevention. This strategy strengthened defenses and reduced customer churn by
29% over the past year for those using mostly or fully automated systems. Fraud-mature organizations consistently report better outcomes in reducing churn and stopping fraud.
Methodology: LexisNexis® Risk Solutions commissioned KS&R to conduct a survey of 507 risk and fraud executives in Financial Services and Lending organizations in the US (423) and
Download the LexisNexis® True Cost of Fraud™ Study 2025 North America.
About LexisNexis Risk Solutions
LexisNexis® Risk Solutions harnesses the power of data, sophisticated analytics platforms and technology solutions to provide insights that help businesses across multiple industries and governmental entities reduce risk and improve decisions to benefit people around the globe. Headquartered in metro
Media Contact:
Ade O'Connor
+44 7890 918 264
ade.o'connor@lexisnexisrisk.com
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SOURCE LexisNexis Risk Solutions
FAQ
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