Evolving Fraud: Understanding and Anticipating Future Threats

At Oneytrust, we are convinced that the key lies in a proactive approach, combining technological innovation, human intelligence and a global vision of the behaviour of digital identities.

1. New fraud trends: a constantly changing digital battlefield

Today’s fraudsters are not the same as they were yesterday. Now assisted by AI, they simulate realistic identities, create credible activity histories (accounts on social networks, customer accounts on websites, etc.) or use stolen data to bypass traditional controls. So-called synthetic identity fraud is on the rise: identities fabricated from scratch, difficult to detect without detailed behavioural analysis.

Other threats on the rise:

• Abuse of the returns policy: consumers who are willing to pay for a product are more likely to return it.
• Stolen bankcard numbers: often used on e-commerce platforms that are ill-prepared to check the consistency of the identity behind the transaction.
• Deepfakes & digital spoofing: manipulated content (voices, faces) are beginning to emerge in the verification process.

The conclusion is clear: fraud is becoming invisible to conventional systems. Only intelligent, real-time identity analysis can make a real difference.

2. How Oneytrust anticipates and adapts : D-Risk ID and D-Risk Commerce to the rescue

At Oneytrust, we have developed a dual technological approach to counter these new threats: D-Risk ID and D-Risk Commerce.

D-Risk ID – Identity is the key!

The principle is simple: when an identity is involved in an action (order, registration, credit application), we analyse its digital history. Has it already been seen on other sites? Is its behaviour consistent? Does it appear to have been created recently for suspicious purposes?

D-Risk ID makes it possible to:

• Detect synthetic identities or identities created on the fly;
• Recommend enhanced checks (strong authentication, delivery against signature, etc.) if the identity appears dubious;
• Analyse the integrity of the device used (age, geolocation, consistency of the device’s technical features, etc.).

And even if some fraudsters use stolen e-mails or data to simulate a history, our combination of AI and human expertise can detect global inconsistencies where a simple check would fail.

D-Risk Commerce – Protect your e-commerce with intelligent scoring

Designed specifically for e-tailers, D-Risk Commerce puts identity at the heart of your anti-fraud strategy. It is no longer just a question of checking payment, but of analysing the entire customer journey, from registration to post-purchase behaviour.

Key benefits:

• Intelligent identity-based scoring, combining business rules and machine learning;
• Detection of different types of fraud: payment fraud, returns fraud, identity theft, etc… ;
• Post-transaction review of false positives: to make customer journeys smoother and avoid blocking the right customers;
• Centralised, intuitive interface for managing the anti-fraud strategy;
• Results in milliseconds, for a smooth and secure customer experience.

With these tools, Oneytrust helps you reduce fraud without sacrificing conversion. Less friction, more trust: a balance that has become essential.

3. The direct impact of fraud on the customer experience

Too often underestimated, the impact of fraud goes far beyond mere financial loss. It also affects customer confidence, which is penalised by :

• More complex purchasing processes (systematic strong authentication, unjustified blocking) ;
• Longer delivery times due to checks;
• A feeling of injustice if a transaction is rejected.

Conversely, a good prevention strategy – intelligent and discreet – directly improves the user experience. This is where the strength of D-Risk Commerce lies: by personalising checks according to the real risk, each customer benefits from appropriate treatment. Security becomes invisible to good customers, and impenetrable to fraudsters.

4. Forecasts and tips for anticipating the future

According to Gartner, by 2026, 30% of businesses could abandon facial authentication because of the massive emergence of deepfake attacks. A trend that clearly illustrates the need to adopt global solutions capable of understanding behaviour, and not just identifiers.

Our advice:

• Don’t be fooled by appearances: an active account does not mean it is legitimate.
• Invest in scalable tools such as D-Risk ID & Commerce, capable of integrating new threats.
• Step up verification at the customer onboarding stage (not just at payment).
• Train your teams to recognise emerging fraud patterns.
• Rely on AI, but always as a complement to human expertise.

Conclusion: Fraud evolves… and so does Oneytrust.

Fraud never sleeps. But with the right technologies and the right partners, you can stay one step ahead.

At Oneytrust, we put identity at the heart of our anti-fraud strategy, to secure the entire customer journey without compromising the user experience. With D-Risk ID and D-Risk Commerce, you benefit from comprehensive, scalable and compliant protection, already approved by the leaders in European e-commerce.

Want to find out more? Meet our fraud experts and find out how Oneytrust can turn your security into a competitive advantage.