A survey of banking leaders on fraud risk: 2026 France edition
French banks today contend with an ever-increasing onslaught of fraud attempts, widespread adoption of faster payments creating new opportunities for fraud, looming regulation mandating scam reimbursement, readily available AI tools escalating the efficiency, efficacy, and reach of attacks, and increasingly organized criminal networks taking advantage wherever they can.
BioCatch commissioned a survey of 100 leaders working in fraud and financial crime departments at French banks. It offers a snapshot of how fraud and financial crime
leaders across France see the moment: where the strain is building, which threats worry them most, and how ready they feel for the regulatory and technological shifts ahead.
In these results, you’ll discover:
- Scams and mules top list of fraud concerns: Those in the C-suite of French banks placed a greater emphasis on money laundering than scams, with 27% ranking it as the No. 1 threat and nearly two-thirds placing it in their top three worries. By comparison, only 40% of French C-suite leaders surveyed named scams as one of their top three worries (potentially due to the fact French banks aren’t yet required to reimburse scam victims).
- Fully digital onboarding coming soon: A quarter of French respondents indicated their bank had already begun to implement fully digital customer onboarding, while 69% believed their organization was likely to one day adopt a digital-only process.
- PSD3/PSR prep lagging: While 55% of French respondents said their bank was taking proactive action to prepare for any future regulatory changes mandating full reimbursement of scams, this trailed reported preparation in neighboring countries, where an average of 73% of those surveyed indicated their organization had already begun to update its reimbursement policies.
- Reimbursement becoming the norm: More than two-thirds (67%) of French respondents said their bank reimbursed at least half of scam victims.
- Reputation over finances: Nearly four-fifths (79%) of those surveyed expressed greater concern for the reputational damage inflicted by fraud and scams than any financial repercussions. This is higher than both the European (69%) and global (71%) averages, suggesting that protecting customer trust and brand credibility is a top priority in France.
Download the full report to see the full results and accompanying analysis from our global fraud intelligence team.