Business Wire·Oct 5, 2026, 4:00 AM ET

AI Arms Race Is Radically Reshaping the Fraud Threat in EMEA, FICO Research Finds

36% of EMEA financial institutions report fraud attempts rising by over 25% in the past 24 months.
28% of EMEA institutions experienced financial fraud losses exceeding 25% over the last two years.
52% of EMEA firms cite increasing fraud complexity as their primary challenge, compared to 40% globally.
48% of EMEA respondents rank effective AI integration as a top challenge due to operational hurdles.
Fraudsters are utilizing generative & agentic AI tools to scale social engineering, synthetic identities, & deepfake attacks.
EMEA institutions rate AI-enhanced fraud & social engineering as more significant threats than the global average.
86% of EMEA institutions view a unified, enterprise-wide fraud strategy as essential.
51% of EMEA institutions report false positive rates above 15%, causing friction for legitimate customers.
Third-party vendor models hold greater influence over EMEA fraud decisions (46%) than in-house models (24%).
FICO advises closing the deployment gap by moving AI from pilots to enterprise-scale production.
Organizations are urged to invest in active orchestration across models, channels, & products for real-time decision-making.
FICO's Enterprise Fraud Solution uses composable architecture & billions of tagged transactions to improve detection accuracy.