Banks are strengthening security across their digital channels, yet fraudsters are increasingly targeting customers rather than banking systems. Drawing on insights from Gökhan Dumrul, Head of Fraud Risk Management at QNB Türkiye, we examine how fraud schemes are evolving, why traditional transaction monitoring is no longer enough, and how banks can strengthen security without compromising the customer experience.
Digital fraud is increasingly more than an isolated incident. It is often the first stage in a longer chain designed to move and launder illicit funds. For banks and fintech companies, this changes the approach to risk management: anti-fraud, AML, cybersecurity and customer operations need to work as an interconnected system.
A phishing campaign involves far more than an email and a cloned login page. Behind it sits an infrastructure of servers, databases, control panels, bots and notification channels. Romano Ramanti explains how analysing that infrastructure can reveal attackers’ mistakes and help banks intervene before customers lose money.
AI has not created fundamentally new forms of fraud, but it has transformed the economics of attacks. Schemes that once required large teams and substantial resources can now be automated and scaled at speed. Businesses must therefore rethink how they detect risk, respond to attacks and contain incidents before they spread.
Why the most dangerous threat to businesses is no longer external hacking, but access gained through legitimate employee accounts. How security logic is evolving in hybrid environments, how attackers penetrate internal systems, and which signals can reveal an attack before it results in data leakage or infrastructure takeover.
Modern fraud rarely looks like a conventional cyberattack. It is often disguised as routine customer activity and moves through marketplaces, messaging apps, remote identity checks and gaps in a company’s own processes. What does this mean for anti-fraud, the allocation of responsibility and the way businesses manage risk?
