NICE Actimize 2025 EMEA Fraud Survey Uncovers the Top Financial Fraud Types That FIs Must Prioritize
NICE Actimize (NASDAQ: NICE) has released its '2025 EMEA Financial Fraud Trends' report, developed with Chartis Research, highlighting critical fraud trends across Europe, Middle East, and Africa. The survey of 90 fraud professionals reveals significant insights into emerging threats and technological solutions.
Key findings show that social engineering leads fraud typologies, with scams affecting 100% of UK institutions compared to 64% in other EMEA regions. Account takeover (66%), phishing (72%), and bot attacks (66%) remain significant threats. First-party fraud shows concerning trends with money mules (61%) and identity theft (54%) having major impacts.
The report emphasizes that technological advancement, particularly network analytics, machine learning, and Generative AI, will be important in fraud detection over the next 12-18 months. Consumer reimbursement obligations and fraud liability shifts are identified as key policy drivers affecting fraud prevention strategies.
NICE Actimize (NASDAQ: NICE) ha pubblicato il suo rapporto '2025 EMEA Financial Fraud Trends', sviluppato con Chartis Research, evidenziando tendenze critiche in materia di frode in Europa, Medio Oriente e Africa. L'indagine condotta su 90 professionisti della frode rivela intuizioni significative sulle minacce emergenti e sulle soluzioni tecnologiche.
I risultati chiave mostrano che l'ingegneria sociale guida le tipologie di frode, con truffe che colpiscono il 100% delle istituzioni nel Regno Unito rispetto al 64% in altre regioni EMEA. Il takeover degli account (66%), il phishing (72%) e gli attacchi bot (66%) rimangono minacce significative. La frode di prima parte mostra tendenze preoccupanti con i money mules (61%) e il furto d'identità (54%) che hanno un impatto notevole.
Il rapporto sottolinea che l'avanzamento tecnologico, in particolare l'analisi delle reti, il machine learning e l'AI generativa, saranno importanti nella rilevazione delle frodi nei prossimi 12-18 mesi. Gli obblighi di rimborso ai consumatori e i cambiamenti nella responsabilità in caso di frode sono identificati come fattori chiave delle politiche che influenzano le strategie di prevenzione delle frodi.
NICE Actimize (NASDAQ: NICE) ha publicado su informe '2025 EMEA Financial Fraud Trends', desarrollado con Chartis Research, destacando tendencias críticas de fraude en Europa, Oriente Medio y África. La encuesta a 90 profesionales de la fraude revela percepciones significativas sobre las amenazas emergentes y las soluciones tecnológicas.
Los hallazgos clave muestran que la ingeniería social lidera las tipologías de fraude, con estafas que afectan al 100% de las instituciones del Reino Unido en comparación con el 64% en otras regiones de EMEA. La toma de control de cuentas (66%), el phishing (72%) y los ataques de bots (66%) siguen siendo amenazas significativas. La fraude de primera parte muestra tendencias preocupantes con los money mules (61%) y el robo de identidad (54%) que tienen un impacto importante.
El informe enfatiza que el avance tecnológico, en particular la analítica de redes, el aprendizaje automático y la IA generativa, será importante en la detección de fraudes durante los próximos 12-18 meses. Las obligaciones de reembolso al consumidor y los cambios en la responsabilidad por fraude se identifican como impulsores clave de políticas que afectan las estrategias de prevención de fraudes.
NICE Actimize (NASDAQ: NICE)는 Chartis Research와 함께 개발한 '2025 EMEA 금융 사기 동향' 보고서를 발표하며 유럽, 중동 및 아프리카에서의 중요한 사기 동향을 강조했습니다. 90명의 사기 전문가를 대상으로 한 조사 결과는 새로운 위협과 기술 솔루션에 대한 중요한 통찰력을 제공합니다.
핵심 발견에 따르면 소셜 엔지니어링이 사기 유형을 주도하며, 영국의 기관 100%가 피해를 입은 반면, EMEA의 다른 지역에서는 64%에 불과합니다. 계정 탈취(66%), 피싱(72%), 봇 공격(66%)이 여전히 중요한 위협으로 남아 있습니다. 1차 사기는 돈 세탁꾼(61%)과 신원 도용(54%)으로 심각한 영향을 미치는 우려스러운 추세를 보이고 있습니다.
보고서는 기술 발전, 특히 네트워크 분석, 머신 러닝 및 생성적 AI가 향후 12-18개월 동안 사기 탐지에서 중요할 것이라고 강조합니다. 소비자 환급 의무와 사기 책임의 변화가 사기 예방 전략에 영향을 미치는 주요 정책 동인으로 식별됩니다.
NICE Actimize (NASDAQ: NICE) a publié son rapport '2025 EMEA Financial Fraud Trends', élaboré avec Chartis Research, mettant en lumière des tendances critiques en matière de fraude en Europe, au Moyen-Orient et en Afrique. L'enquête menée auprès de 90 professionnels de la fraude révèle des informations significatives sur les menaces émergentes et les solutions technologiques.
Les résultats clés montrent que l'ingénierie sociale domine les typologies de fraude, avec des escroqueries touchant 100 % des institutions britanniques contre 64 % dans d'autres régions EMEA. La prise de contrôle de compte (66 %), le phishing (72 %) et les attaques par bots (66 %) restent des menaces significatives. La fraude de première partie présente des tendances préoccupantes, avec des mules de l'argent (61 %) et le vol d'identité (54 %) ayant un impact majeur.
Le rapport souligne que l'avancement technologique, en particulier l'analyse de réseau, l'apprentissage automatique et l'IA générative, sera important dans la détection de la fraude au cours des 12 à 18 prochains mois. Les obligations de remboursement des consommateurs et les changements de responsabilité en matière de fraude sont identifiés comme des moteurs politiques clés affectant les stratégies de prévention de la fraude.
NICE Actimize (NASDAQ: NICE) hat seinen Bericht '2025 EMEA Financial Fraud Trends', der in Zusammenarbeit mit Chartis Research erstellt wurde, veröffentlicht und hebt kritische Betrugstrends in Europa, dem Nahen Osten und Afrika hervor. Die Umfrage unter 90 Betrugsfachleuten liefert bedeutende Erkenntnisse über aufkommende Bedrohungen und technologische Lösungen.
Wichtige Ergebnisse zeigen, dass Social Engineering die Betrugstypologien anführt, wobei 100% der britischen Institutionen betroffen sind, im Vergleich zu 64% in anderen EMEA-Regionen. Account-Übernahmen (66%), Phishing (72%) und Bot-Angriffe (66%) bleiben bedeutende Bedrohungen. Betrug erster Partei zeigt besorgniserregende Trends mit Geldboten (61%) und Identitätsdiebstahl (54%), die erhebliche Auswirkungen haben.
Der Bericht betont, dass technologischer Fortschritt, insbesondere Netzwerkanalysen, maschinelles Lernen und generative KI, in den nächsten 12-18 Monaten wichtig für die Betrugserkennung sein wird. Verbraucherentschädigungspflichten und Veränderungen der Betrugsverantwortlichkeit werden als wichtige politische Treiber identifiziert, die die Strategien zur Betrugsprävention beeinflussen.
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Technology will have a huge role to play in fraud detection with GenAI and consortium analytics shown to have the most promise
The NICE Actimize “2025 EMEA Financial Fraud Trends and Investment Priorities” report also identifies changes in fraud typologies and uncovers the types of financial fraud that FIs must prioritize in the year ahead. The report indicated:
- Technology will have a huge role to play in fraud detection. Network analytics, machine learning and modeling with Generative AI (GenAI) and consortium analytics are shown to have the most promise in the next 12 to 18 months.
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100 percent of those in the
U.K. cite scams as having an impact, significantly higher than the rest of EMEA which clocks in at 64 percent of respondents identifying the threat. - Consumer reimbursement obligations and the fraud liability shift represented two policy drivers that would have the most significant impact on fraud detection and prevention.
“The European fraud ecosystem is facing increasing pressures. Not only are there new fraud typologies affecting both consumers and financial institutions, but regulatory changes are adding to a complex set of industry guidelines,” said Craig Costigan, CEO of NICE Actimize. “On a positive note, survey respondents from a diverse range of financial institutions believe that technological advancements will help address these challenges in the next 12 to 18 months. NICE Actimize remains committed to investing in key technologies, such as GenAI, to combat fraud and financial crime.”
EMEA Fraud Typology Mix
With no single fraud typology dominating, the report states that firms need to protect themselves against multiple typologies. The most prevalent fraud showing the most significant impact on financial institutions and customers falls under the social engineering category.
Nearly 68 percent see scams as leading in that category, with account takeover fraud following at 66 percent. Phishing was also ranked high as a significant fraud type, with 72 percent seeing this type of fraud as one to watch. Additionally, among first-party fraud typologies, 61 percent and 54 percent of respondents saw money mules and identity theft as having the greatest impact.
The report explained that established typologies such as phishing and bots, another typology with significant impact according to 66 percent of respondents, are so widespread that they remain a challenge largely because technology is making those attacks more sophisticated. The sophistication of scams and mule accounts is also increasing rapidly. The presence of “complicit” victims, certainly in the case of scams, makes these fraud typologies extremely hard to counter even when detected.
The report surveyed 90 fraud professionals at banks and payment service providers (PSPs) across a broad range of markets in EMEA. The sample consisted of 27 percent large institutions with more than
To download a copy of NICE Actimize’s 2025 EMEA Fraud report, please click here.
About NICE Actimize
As a global leader in artificial intelligence, platform services, and cloud solutions, NICE Actimize excels in preventing fraud, detecting financial crime, and supporting regulatory compliance. Over 1,000 organizations across more than 70 countries trust NICE Actimize to protect their institutions and safeguard assets throughout the entire customer lifecycle. With NICE Actimize, customers gain deeper insights and mitigate risks. Learn more at www.niceactimize.com.
About NICE
With NICE (Nasdaq: NICE), it’s never been easier for organizations of all sizes around the globe to create extraordinary customer experiences while meeting key business metrics. Featuring the world’s #1 cloud native customer experience platform, CXone, NICE is a worldwide leader in AI-powered self-service and agent-assisted CX software for the contact center – and beyond. Over 25,000 organizations in more than 150 countries, including over 85 of the Fortune 100 companies, partner with NICE to transform - and elevate - every customer interaction. www.nice.com
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Forward-Looking Statements
This press release contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements, including the statements by Mr. Costigan, are based on the current beliefs, expectations and assumptions of the management of NICE Ltd. (the “Company”). In some cases, such forward-looking statements can be identified by terms such as “believe,” “expect,” “seek,” “may,” “will,” “intend,” “should,” “project,” “anticipate,” “plan,” “estimate,” or similar words. Forward-looking statements are subject to a number of risks and uncertainties that could cause the actual results or performance of the Company to differ materially from those described herein, including but not limited to the impact of changes in economic and business conditions; competition; successful execution of the Company’s growth strategy; success and growth of the Company’s cloud Software-as-a-Service business; changes in technology and market requirements; decline in demand for the Company's products; inability to timely develop and introduce new technologies, products and applications; difficulties in making additional acquisitions or difficulties or delays in absorbing and integrating acquired operations, products, technologies and personnel; loss of market share; an inability to maintain certain marketing and distribution arrangements; the Company’s dependency on third-party cloud computing platform providers, hosting facilities and service partners; cyber security attacks or other security breaches against the Company; privacy concerns; changes in currency exchange rates and interest rates, the effects of additional tax liabilities resulting from our global operations, the effect of unexpected events or geo-political conditions, such as the impact of conflicts in the
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Corporate Media Contact
Cindy Morgan-Olson, +1 646 408 5896, media@nice.com, ET
Investors
Marty Cohen, +1 551 256 5354, ir@nice.com, ET
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Source: NICE
FAQ
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