2026 Digital Banking Fraud Trends in the U.S.

BioCatch’s 2026 Digital Banking Fraud Trends in the U.S. report highlights the most prevalent types of fraud and financial crime currently plaguing financial institutions in the country. It relies on proprietary data from BioCatch customers across the U.S.

In this report, you’ll discover:

• Impersonation scams surge: Attempted impersonation scams more than doubled in the U.S. between 2025 and 2026.
• Phishing on the rise: BioCatch’s U.S.-based customers reported a 50% increase in phishing scam attempts between 2025 and 2026.
• ATO after dark: The majority (70%) of account takeover sessions reported in the U.S. took place after 5 p.m.
• Scams the dominant threat: More than four in five fraud attempts (83.9%) originated from a device located in the U.S. This is likely due to the continued increase in social engineering scams, where scammers (located anywhere in the world) manipulate victims into legitimately authorizing scam transactions.
• Remote access sessions increase: Digital banking sessions involving a remote access tool (RAT) increased by 45% over the past year. These tools give fraudsters unauthorized access to banking applications, email accounts, and other sensitive customer information.

Download now and strengthen your defenses against fraudsters with BioCatch’s latest insights on the ever-evolving world of fraud and financial crime in the U.S.