77% of executives surveyed say they are concerned with AI-enabled fraud threats

50 percent of credit risk and fraud executives cite the biggest challenge with their application fraud strategy is being able to detect and react quickly to new fraud trends. This is among the key findings of a new survey sponsored by Provenir, a global leader in AI-powered Decision Intelligence.

As fraudsters continue to exploit new technologies, organizations face mounting pressures to outpace increasingly sophisticated threats without compromising customer experience. To combat this, they are bolstering their fraud prevention strategies; 75 percent are deploying AI-driven adaptive fraud prevention and 74 percent are leveraging real-time anomaly detection.

When asked about the most important elements of a comprehensive fraud strategy, 33 percent said gaining a comprehensive fraud risk review of customer data was most important, while 23 percent said reducing friction in the customer experience was critical. 22 percent of those surveyed said aligning data at the customer level instead of by channel, and 19 percent said breaking down data silos between fraud and credit teams was crucial.

Moving forward, organizations are looking to enhance operational efficiency and automation (54% said this), improve accuracy of Artificial Intelligence and Machine Learning models (54% said this), and reduce fraud loss (52% said this).

Beyond fraud prevention, organizations say they also are looking to achieve other business outcomes such as increasing customer retention and loyalty (57% said this), enhancing customer experience and reducing friction (55% said this), improving overall profitability or risk-adjusted returns (51% said this), and enhancing event-driven, real-time decisioning (50% said this.)

"The biggest risk today isn't just fraud itself, rather it's the speed and sophistication at which fraud vectors are evolving, with half of institutions indicating keeping pace with this race remains their greatest challenge," said Carol Hamilton, Chief Commercial Officer, Provenir. "AI-driven, real-time, and adaptive fraud prevention is essential to improving model accuracy and protecting customers without adding friction to the experience."

The survey was conducted in early December 2025 by The Harris Poll. 203 respondents were based in North America, EMEA, Latin America and Asia Pacific, holding the title of director or higher, responsible for deploying AI based solutions and involved with risk evaluation, credit approvals, fraud detection, or personalized offers in banking, credit unions, financial services, financial technology, insurance, wholesale, retail, or telecommunications.

The full report of the survey findings can be found at: https://www.provenir.com/survey-2026-global-decisioning-survey/

About Provenir

Provenir is redefining how leading enterprises manage risk, personalize customer experiences and drive growth with Decision Intelligence.

Provenir’s single Decision Intelligence platform brings together data, models and agents to enable continuous optimization of customer decisions and faster deployment of business strategies. Solutions for credit risk, fraud and customer management are unified in one platform, providing a holistic approach to customer intelligence.

Trusted by the world’s leading financial services providers, Provenir is at the heart of mission-critical operations in over 60 countries, processing more than 4 billion transactions annually.

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