Commercial payments fraud continues to accelerate in both scale and sophistication. According to the latest FStech–Bottomline survey, financial institutions are navigating a rapidly evolving threat landscape shaped by AI‑enabled attacks, behavioral vulnerabilities, liability misalignment, and operational pressures that create exploitable gaps.
Today’s Fraud Threats
The current environment reflects a complex mix of traditional fraud tactics and emerging digital methods. Fraud pressures are rising across all payment types, with business email compromise (BEC) identified by 39% of respondents as the fastest‑growing threat. At the same time, AI is amplifying exposure, yet only 11% of surveyed banks consider themselves well‑equipped to detect AI‑powered fraud.
Traditional Fraud Controls are No Longer Enough
In the survey, banks report a growing need for adaptive, integrated, behavior‑centric defenses to combat multi‑channel, AI‑driven attacks. These emerging threats are increasingly capable of bypassing static or siloed legacy controls. Effective protection now requires tools that combine advanced detection technologies, strong user awareness, and streamlined processes.
Institutions also recognize that fraud prevention depends on the combined strength of people, technology, and broader ecosystem collaboration. To improve consistency and industry‑wide resilience, they are calling for clearer liability frameworks, standardized reporting requirements, and strengthened authentication guidance.
Download the full report to see how commercial banks are assessing key threats, evaluating their readiness for emerging risks, and prioritizing strategies to strengthen overall resilience.
