2026 Annual Overview of Fraud in France Card fraud rates may be historically low. But retail fraud has shifted beyond the checkout into BNPL, returns, refunds, delivery abuse, loyalty theft and promotion exploitation. This report explores: If you operate high-volume ecommerce or retail journeys, this is an essential guide that will help you understand and…
2026 guide to B2B fraud and corporate identity verification Fake companies, impersonated representatives, and synthetic business identities are on the rise. Traditional KYB checks don’t verify whether everything adds up. This eBook explores: If you manage high-volume B2B onboarding journeys, this is an essential guide.
2025 annual overview of fraud in France Evolving threats. Smarter defenses. The challenges facing French eCommerce businesses and how they are adapting to survive. If you are operating in France, this is an essential guide.
Guide to Finance Industry Fraud Trends in France Fraud in financial services is becoming more complex and far harder to reverse once funds leave the system. This report explores: If you operate in payments, banking, BNPL or consumer finance, this is an essential guide to areas you should focus anti-fraud efforts on next.
Once a niche payment option, Buy Now, Pay Later (BNPL) has boomed across ecommerce and retail. BNPL has quickly become as much a part of the checkout experience as quick pay options and saved cards. In fact, 380 million people use BNPL services globally. This is predicted to increase to 670 million by 2028. This…
The new face of B2B fraudFraud is a constant game of cat and mouse between security teams and criminal networks. Nefarious new tactics emerge, businesses respond, and the cycle repeats. So, unsurprisingly, fraud in digital ecosystems has evolved to overcome existing checks and safeguards. Instead of breaking systems, criminals now move through them – using…
This phenomenon is accelerating rapidly. According to the 2025 Identity Fraud Report (Entrust), a deepfake attempt occurs every five minutes, while digital document forgeries have increased by 244% in one year. These figures illustrate a major shift: identity fraud is becoming an industrialized phenomenon, fueled by AI and organized on a large scale. In this…
A phenomenon that TF1 recently highlighted in its 8pm news report, in which Oneytrust was able to share its expertise and shed light on these new fraudulent practices. 🚨 Fraud is evolving rapidly thanks to generative AI Fraudsters now have access to technologies that were once the preserve of experts. It takes just a few…
Find out how Oneytrust is preparing to comply with this new text, which is just as crucial as the GDPR was in its day! The text defines an AI system very broadly as a ‘machine-based system, operating with varying degrees of autonomy, capable of adapting after deployment and which, for explicit or implicit purposes, deduces…
Modern fraudsters no longer break down doors; they enter with the right keys. Valid credentials, recognized devices, credible customer journeys: everything seems normal. And yet, something is wrong. That something is weak signals. What is a weak signal in digital identity? A weak signal, as its name suggests, is not a red alert. It is…
Agentic AI – autonomous systems that can observe, decide and act across multiple tools – is about to collide hard with European fraud and payments – on both sides of the fraud fight. For merchants and banks, the real story in 2026 won’t be “magic AI agents that make fraud disappear”, but a messy mix…
The operational challenge: managing the complexity of returns Each return involves several parties: customer service, warehouse, carrier. Too often, these systems operate in silos, leading to delays, errors and a poor customer experience. A parcel dropped off at a collection point may remain invisible to customer service, generating calls, frustration and late refunds. This is…
Why are cookies such a prime target? The impact on your brand Examples of techniques used by fraudsters How to protect your digital ecosystem? ConclusionCookies are valuable tools for improving user experience and optimising marketing strategies. However, their exploitation by fraudsters poses a major risk: session theft, identity theft, advertising fraud, etc. These threats can…
What is a synthetic identity? Unlike traditional identity theft, where the fraudster steals an entire real identity, a synthetic identity is a hybrid combination. It combines authentic data (in the United States, this is the social security number, while elsewhere it is usually the national identity document, date of birth and postal address) with invented…
Adopted in 2016 and effective since 25 May 2018, the GDPR has profoundly transformed the way companies collect, process and secure personal data. Its objectives: For the anti-fraud sector, the impact is significant: the detection of anomalies and suspicious behaviour relies on the analysis of many types of personal data (identity, payment methods, transaction history,…
A well-oiled fraud scheme It all starts with fake advertisements on a reputable marketplace, offering an educational game (story box) called MERLIN at a slightly discounted price compared to the competition. The buyer, enticed, places an order. But behind this transaction lies a well-oiled mechanism: the fraudster uses the customer’s details and a stolen bank…
a) Security and protection of citizens The primary purpose of digital identity is protection. Users whose identities are stolen suffer dramatic consequences: loans taken out in their name, administrative disputes, damaged online reputations. Having a robust digital identity based on reliable technical and behavioural signals helps limit these risks. b) Trust and fluidity of exchanges…
Digital identity is therefore becoming the backbone of the connected world. It condenses our personal data, our ‘technical’ fingerprints (device fingerprinting), our behaviours and our interactions. It is at once a recognition tool, a shield against fraud and a key to accessing services. 1 . Defining digital identity: Unlike civil identity, which is established and…
What is triangular fraud? Triangular fraud is a complex and ingenious method of fraud that combines elements of real and synthetic identities to create a network of fraudulent transactions. This type of fraud relies on the interaction between three parties: the fraudster, the legitimate seller and the unwitting consumer, in order to divert resources discreetly…
1) Why AI has become essential in the fight against fraud The boom in language models and content generation tools has lowered the barriers to fraud: flawless phishing emails, carefully crafted fake profiles, synthetic identities that are more difficult to detect, industrialisation of fraud scenarios, reusable attack scripts. Static controls are no longer sufficient. We…
So how do you strike this delicate balance? At Oneytrust, we have made this complex equation our mission. Security: an imperative that must not sacrifice fluidity In an environment where cyberattacks are becoming more professional, we can no longer afford to turn a blind eye. Traditional KYC (Know Your Customer) checks are no longer enough….
What remains to be agreed is what is ‘false’ information and what is ‘true’. It all depends on the context and the vertical being “attacked”.On the vertical side, in the context of banking onboarding, what is generally true are the supporting documents that are in fact usurped (identity document, proof of address, etc.). What is…
At Oneytrust, a long-standing player in the sector for over 25 years, we have turned this dual reality into an opportunity to innovate, by placing AI at the heart of our anti-fraud strategy. How does Oneytrust use Artificial Intelligence to detect fraudulent behaviour?Online fraud is evolving rapidly. Fraudsters are now using tools such as Chat…
And what does the Oxford dictionary define as a process? A set of phenomena, conceived as active and organised over time”.So let’s unpack this definition for a better understanding of the subject… “Set of phenomena“Admittedly, this is a very broad definition. Chronologically, the first phenomenon to be identified and observed is the fault that is…
From the rise of the Internet to the age of AI: 25 years of change E-commerce has grown by leaps and bounds since the early 2000s, and with it, fraud has continued to evolve. According to the FEVAD figures communicated at this Round Table, 72% of e-retailers are profitable or break-even, which clearly shows that…
At Oneytrust, we are convinced that the key lies in a proactive approach, combining technological innovation, human intelligence and a global vision of the behaviour of digital identities. Today’s fraudsters are not the same as they were yesterday. Now assisted by AI, they simulate realistic identities, create credible activity histories (accounts on social networks, customer…
Vertbaudet, a key player in children’s ready-to-wear, has enjoyed sustained growth, particularly on international markets. This expansion naturally brought with it new challenges, particularly in terms of online fraud. Suspicious orders, unsecured payments and time-consuming manual checks were hampering the user experience and operational performance. The solution: a strategic partnership with Oneytrust To meet these…
Identity fraud, in all its forms, is a constantly evolving scourge in the e-commerce sector. Among the most insidious forms of this fraud, synthetic identity stands out for its ability to bypass traditional security mechanisms. On November 7, we co-hosted a webinar with Fevad (Fédération du e-commerce et de la vente à distance), highlighting the…
The development of artificial intelligence is changing the face of fraud. On the one hand, it enables fraudsters to carry out increasingly sophisticated attacks that are difficult to detect (deepfakes, phishing). On the other hand, it enables better detection solutions to be created (analysis of transfer flows, risk scores, detection of unusual behaviour). Here’s an…
Called OnlyFake, this service is creating a buzz among both cybercriminal networks and the press. It exploits ‘neural networks’ to produce high-quality fake images. See below for an example: Today, the first thing we can say is that anyone can obtain fake documents instantly generated with advanced realism for just a few dollars. As identity…
Put like that, it sounds both simple and practical. In terms of fight against fraud, at first sight having access to an individual’s account information is an ‘ideal’ solution for certain risks where the assessment of financial soundness is essential… such as granting a credit, or even BNPL. However, let’s explore the various implications of…
On August 24, Pavel Durov, CEO of the messaging app Telegram, was arrested at Le Bourget Airport. This arrest occurred a month and a half after the launch of a judicial investigation into no fewer than twelve charges, most of which pertain to organized crime. He was subsequently indicted on August 28 for twelve offenses, including…
The threat of malicious “Infostealer” programs is becoming an increasingly concerning cybersecurity topic. Infostealers are malware designed to steal personal and sensitive information, such as login credentials, passwords, banking data, and any other confidential data stored on an infected device. Understanding and addressing this type of threat is essential today for anyone using a computer,…
Introduction On May 21, 2024, the European Council officially adopted the Artificial Intelligence Regulation, which came into effect on July 12, 2024.The purpose of this regulation is to provide a framework for AI systems and promote the trustworthy, human-centered use of AI while ensuring high levels of protection for health, safety, and fundamental rights. Like…
ChatGPT: the new Swiss army knife for fraudsters? As fraud continues to rise, ChatGPT opens the door to new forms of fraud, including making it easier to create sophisticated phishing emails. Phishing is not a new practice. We have all been faced with this well-known fraud technique that aims to deceive us through communications, in…
ChatGPT: the new Swiss army knife for fraudsters?As fraud continues to rise, ChatGPT opens the door to new forms of fraud, including making it easier to create sophisticated phishing emails. Phishing is not a new practice. We have all been faced with this well-known fraud technique that aims to deceive us through communications, in order…
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