Adyen's 2025 Payment Fraud Report Flags Rising, Increasingly Concentrated AI Threats
Dutch fintech company Adyen used its global merchant payments network to track fraud trends, analyzing $1.6 trillion in transaction data for its 2025 Payment Fraud Report. AI has become a tool both for merchant risk controls and criminal attacks, shifting payment-security threats from isolated incidents toward identity-based fraud that can be coordinated at scale.
Adyen said global payment fraud losses fell 20% in 2025, but the risk became more concentrated: just 5% of identities linked to fraud accounted for 58% of the value of fraudulent transactions. The report warned that the spread of generative AI allows attackers to create fake content and coordinate their activities more quickly, while merchants must also use AI to strengthen real-time detection.
All Coverage
1 original reportsThe Backstory
The history behind this eventPayment Fraud Grows More Complex as Banks and Consumers Face New AI Threats
Payment fraud has long forced banks to balance transaction convenience against account security. A Javelin Strategy & Research survey found that about 70% of respondents viewed declined payments as a necessary measure to protect their accounts, suggesting consumers have become more tolerant of friction caused by banks' fraud-prevention procedures.
The latest risks stem from technologies including agentic AI. Automated agents can accelerate identity fabrication, manipulate transactions and repeatedly probe defenses, making fraud harder to detect. Available information provides only the roughly 70% sentiment reading, with no specific loss figures, bank case studies or exact report publication date, leaving the overall financial impact impossible to quantify.
Subscribe to Mark Radar Weekly
Every Friday, the week's strongest signals in your inbox. Unsubscribe anytime.
If you search news on Google, you can set Mark Radar as a preferred source—our coverage will show up more often in your results. Set as preferred source on Google →