Artificial intelligence is transforming the landscape of financial fraud. By 2025, criminals will be using AI tools to generate voice deepfakes, create ultra-realistic phishing emails, and bypass traditional detection systems. The estimated cost of AI-driven fraud will reach $40 billion globally.
From January 2026, Verification of Payment Transactions (VOP) becomes mandatory for all European financial institutions. This directive requires verification that the beneficiary's name matches the IBAN before each transfer. The objective is to reduce transfer fraud, which represents billions of euros in losses each year.
Buy Now Pay Later (BNPL) is experiencing explosive growth in France: between €11 and €18 billion in 2025, with projections of between €16 and €38 billion in 2030¹. Alma, Oney, Klarna… The number of players is multiplying. But with growth comes a problem: fraud is exploding.