The most sophisticated fraud teams are removing friction for trusted users, embedding fraud detection directly into agentic transactions, and investing in multilayered identity verification to combat deepfakes.

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At MRC Vegas 2026, fraud leaders highlighted three major trends reshaping fraud prevention. First, top teams are moving away from universal authentication toward dynamic, intent-based friction—only challenging the riskiest 1% of users rather than all customers. Second, agentic commerce is breaking rules-based fraud detection, requiring fraud logic to be embedded directly in payment infrastructure to handle real-time AI-driven transactions. Third, generative AI has made deepfakes and synthetic identities trivially easy to produce, forcing identity verification to rely on multilayered checks and anomaly detection rather than any single signal. Stripe's Radar adaptive 3DS, Shared Payment Tokens, and Stripe Identity are cited as tools addressing each of these challenges.

Three of the biggest fraud trends from MRC Vegas 2026

1. Successful fraud teams are dynamically authenticating users based on intent

2. Agentic commerce is challenging rules-based fraud detection

3. Deepfakes and synthetic identities require new fraud tactics