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% 猫 per lo pi霉 o completamente automatizzato.
La ricerca individua le principali vulnerabilit脿 alle frodi: il 38% delle perdite 猫 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鈥檜ltimo 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鈥檃bbandono 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 Norteam茅rica, revelando que las instituciones financieras ahora pierden $5 por cada $1 de p茅rdida 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 prevenci贸n del fraude, mientras que solo el 20% est谩 mayoritariamente o completamente automatizado.
La investigaci贸n identifica vulnerabilidades clave frente al fraude: el 38% de las p茅rdidas se atribuye a estafas en el sector de pr茅stamos en EE. UU., y el 70% de las organizaciones estadounidenses informa al menos un aumento del 10% en el fraude m贸vil durante el 煤ltimo a帽o. 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 p茅rdida de clientes debido a controles antifraude ha afectado al 71% de los prestamistas estadounidenses y al 78% de los canadienses.
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LexisNexis Risk Solutions (NYSE:RELX) a publi茅 son 茅tude 2025 sur le co没t r茅el de la fraude pour l鈥橝m茅rique du Nord, r茅v茅lant que les institutions financi猫res perdent d茅sormais 5 $ pour chaque 1 $ de perte directe due 脿 la fraude, soit une hausse de 25% par rapport 脿 4 $ en 2021. L鈥櫭﹖ude souligne que 44% des institutions financi猫res nord-am茅ricaines s鈥檃ppuient encore principalement sur des processus manuels pour pr茅venir la fraude, tandis que seulement 20% sont majoritairement ou enti猫rement automatis茅es.
La recherche identifie les principales vuln茅rabilit茅s face 脿 la fraude : 38% des pertes sont attribu茅es aux escroqueries dans le secteur du cr茅dit aux 脡tats-Unis, et 70% des organisations am茅ricaines signalent au moins une augmentation de 10% de la fraude mobile au cours de l鈥檃nn茅e 茅coul茅e. Les attaques par bots sont devenues une menace notable, 48% des institutions signalant une augmentation des attaques bots mensuelles, tandis que la perte de client猫le li茅e aux contr么les antifraude a touch茅 71% des pr锚teurs am茅ricains et 78% des pr锚teurs canadiens.
LexisNexis Risk Solutions (NYSE:RELX) hat seine Studie zu den tats盲chlichen Kosten von Betrug 2025 f眉r Nordamerika ver枚ffentlicht und zeigt, dass Finanzinstitute nun $5 f眉r jeden $1 an direktem Betrugsverlust verlieren 鈥� ein Anstieg von 25% gegen眉ber $4 im Jahr 2021. Die Studie hebt hervor, dass 44% der nordamerikanischen Finanzinstitute weiterhin haupts盲chlich auf manuelle Prozesse zur Betrugspr盲vention setzen, w盲hrend nur 20% 眉berwiegend oder vollst盲ndig automatisiert sind.
Die Untersuchung identifiziert zentrale Betrugsschwachstellen: 38% der Betragsverluste werden Betrugsf盲llen im US-Kreditgesch盲ft 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鈩� 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,"听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鈩� Study 2025 North America:
- Scams pose an increasing threat to听FIs. Scams cause
38% of total fraud losses for US lenders and36% of overall fraud losses across all FIs. - Malicious听bots present a mounting threat to financial institutions.听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. - 惭辞产颈濒别听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庐 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
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About LexisNexis Risk Solutions
LexisNexis庐听Risk Solutions harnesses the power of data, sophisticated analytics platforms and technology solutions to provide insights听that help businesses across multiple industries and governmental entities reduce risk and improve decisions to benefit people around the globe. Headquartered in metro
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FAQ
What is the current fraud multiplier cost for financial institutions according to LexisNexis 2025 study?
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