Digital onboarding has made account opening faster. It has also given synthetic identities, social engineering, deepfakes, bots, and AI-enabled fraud new ways to create malicious accounts.
Get the Datos Insights Market Navigator guide to the changing application-fraud market and learn what financial institutions should look for in a modern, layered defense.
85% of surveyed financial institutions rate social-engineering attacks as either a high or moderate threat to their application processes.
Source: Datos Insights survey of 73 U.S. FIs on application-fraud trends, Q1 2025.
See what a modern digital onboarding defense actually requires.
The guide gives fraud, digital, risk, operations, and technology leaders a framework for evaluating application-fraud defenses across the entire onboarding journey.
Inside, you’ll learn how to:
- Build a layered defense. Understand the role of pre-application intelligence, in-session controls, risk decisioning, and step-up authentication.
- Evaluate the signals that matter. Assess identity, device, behavioral, biometric, document, synthetic-identity, and other fraud signals.
- Orchestrate controls instead of stacking point solutions. Determine how signals and third-party tools can be combined into actionable risk decisions.
- Reduce fraud without creating unnecessary friction. Measure false positives, abandonment, manual review, fraud losses, and time-to-decision together.
Know what to look for before your next onboarding fraud decision.
Get the Datos Insights Market Navigator for a practical view of the threats reshaping digital onboarding, essential capabilities, and the criteria financial institutions should use to evaluate their defenses.