AI and Fraud Prevention: New Challenges and Solutions

In this scenario, AI positions itself as a key ally in fraud prevention. Institutions must adopt integrated models that combine identity, affordability, and real-time fraud detection. In this context, the convergence between credit risk and fraud prevention is inevitable. In 2024 alone, the company stopped fraud attempts amounting to 19 billion dollars, although the challenge continues to grow: global cybercrime is estimated at 10.5 trillion dollars. Digital identity, once considered static, now demands a dynamic approach. In the Americas region alone, fraud losses amounted to around 350 billion dollars, according to Víctor Nieto, head of product management at Experian Software Solutions, who states that 'every million invested in prevention avoids approximately 10 million in losses'. AI-driven digital fraud solidified in 2025 as one of the main threats to companies and consumers. Companies must confirm that behind every interaction there is a real person, combining authenticated data with digital signals and behavioral biometrics. The future of credit is also being redefined by these technologies. Deepfake attacks increased by more than 1100% in a single year, while fraud with synthetic identities grew 300% globally. According to the global report 'The Future of Underwriting' led by Experian, 83% of industry leaders believe that real-time approvals and payments will be the norm, while 80% consider that AI will replace manual tasks in low-risk processes, maintaining human oversight in complex cases. Over 50% of digital interactions occur from mobile devices, which demands new contextual signals to ensure trust at every point of contact. Experian has solutions that use predictive models that analyze millions of signals in real time, anticipating risks before they materialize.