The Fraud Readiness Benchmark 2026 Is Here - ThreatMark

ThreatMark — Wed, 12 Aug 2026 23:00:00 GMT

What fraud and security leaders across North America and Europe reveal about regulation, social engineering, and the shift to real-time defense.

Fraud prevention is entering a new phase. Rising losses, reimbursement mandates, and manipulation-based scams are pushing existing controls past what they were built to handle.

The numbers tell the story. Two-thirds of North American banks expect APP-fraud reimbursement mandates within two years — but only a third feel ready for them. That 38-point gap between expectation and readiness is the widest it has ever been.

This benchmark maps where financial institutions stand today, what’s separating the prepared from the exposed, and where the fight is heading next.

A System Under Strain: Why regulation is reclassifying fraud losses as the institution's liability — while reimbursement volumes refuse to fall.
The Human Vulnerability: How social engineering now touches the majority of fraud at 55% of institutions, and why traditional controls miss it.
What the Leaders Are Doing: Why 83% rate behavioral intelligence the most effective defense of any tool, and how real-time detection is reshaping fraud prevention.

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The Fraud Readiness Benchmark 2026 Is Here - ThreatMark

GET YOUR BENCHMARK REPORT