H1 2025 Update: State of Omnichannel Fraud

Trends and strategies for protecting organizations and consumers from fraud

Recent fraud trends from TransUnion’s global intelligence network points toward an apparent shift in strategy as fraudsters use exposed identity data to focus more on high-success, short-term payoffs in 2025. To counter these trends, fraud prevention leaders need to fortify fraud detection to increase fraud capture rates and support customer growth through fewer step-up challenges and false positives.

In the State of Omnichannel Fraud Report, TransUnion provides insight to those responsible for preventing fraud and securing customer experiences to deliver better business outcomes.

Key fraud trends include:

Stolen identity data supply chain changes focus to quality over quantity

34% rise in US data breach severity from 2023 to 2024 (the highest going back to when TransUnion started measuring for this study in 2020), but a 45% decrease in breach volume in that period

53% of adults in 18 countries and regions said they were targeted by email, online, phone call and text messaging fraud schemes from August to December 2024

Cybercriminals shift digital fraud strategies to focus on short-term payoffs

20% increase in the volume of suspected digital account takeover (ATO) attempts globally from 2023 to 2024, representing one of the fastest-growing types of digital fraud reported to TransUnion by its customers last year

11% increase in financial transactions suspected to be digital fraud attempts last year over 2023, representing the transaction type with the biggest growth in digital fraud in 2024

Consumers and lenders reported significant fraud losses

29% of consumers said they lost money from email, online, phone or text messaging fraud in the last year, costing a median amount of USD$1,747 among those surveyed in 18 countries and regions

USD$3.3 billion in lender exposure to synthetic identities in the US for auto loans, bank credit cards, retail credit cards and unsecured personal loans at the end of 2024, an all-time high