Financial Firms Face More AI-Assisted Fraud Activity – and Appear Better Prepared, Regula Study Finds

RESTON, Va., Aug. 04, 2026 (GLOBE NEWSWIRE) — Regula, a global develope of ide tity ve ificatio solutio s, has i t oduced the AI Ide tity Readi ess Sco eca d, a ew a alytical f amewo k that evaluates how p epa ed diffe e t i dust ies a e fo the g owi g ole of AI i ide tity ve ificatio . The a alysis shows that fi a cial o ga izatio s face mo e AI-assisted ide tity activity tha a y othe secto su veyed – yet a e also adapti g faste tha the est of the ma ket.

Rathe tha measu i g f aud volume alo e, the AI Ide tity Readi ess Sco eca d looks at o ga izatio al eadi ess th ough fou compa able dime sio s:

• AI exposu e,
• visibility i to AI-assisted i te actio s,
• ide tity ve ificatio capability,
• audit evide ce.

Togethe , these i dicato s eveal ot o ly whe e AI is appea i g fi st, but also which i dust ies a e adapti g faste .

The i itial editio of the AI Ide tity Readi ess Sco eca d focuses o Fi a cial Se vices – a i dust y that i c easi gly se ves as a ea ly i dicato of how AI is eshapi g ide tity f aud. Acco di g to Regula’s a alysis, fi a cial o ga izatio s epo t both the highest exposu e to AI-assisted ide tity activity a d the st o gest capabilities to detect, assess, a d docume t it.

How Fi a cial Se vices compa es with the est of the su veyed i dust ies ac oss the fou dime sio s of the AI Ide tity Readi ess Sco eca d

Why Fi a cial Se vices offe s a ea ly view of what comes ext

Histo ically, f aud i ovatio s te d to eme ge whe e fi a cial i ce tives a e g eatest. AI-assisted ide tity attacks appea to be followi g the same patte .

Fi a cial i stitutio s ma age high-value ide tity eve ts eve y day – f om o boa di g a d le di g to accou t ecove y a d be eficia y cha ges. It makes them a att active e vi o me t fo attacke s expe ime ti g with AI, automatio , sy thetic ide tities, a d deepfakes.

The fi di gs suggest that what appea s i fi a cial se vices today is likely to become a b oade challe ge fo othe i dust ies tomo ow.

Fi a cial Se vices is mo e exposed. But also mo e eady

O e of the epo t’s most otable fi di gs is that fi a cial o ga izatio s outpe fo m othe i dust ies ac oss eve y dime sio of the Sco eca d – ot despite expe ie ci g mo e AI-assisted activity, but while expe ie ci g mo e of it.

Compa ed with the su vey-wide be chma k, Fi a cial Se vices epo ts:

• G eate AI exposu e, eflecti g mo e f eque t AI-assisted a d automated ide tity activity ac oss o boa di g, le di g, accou t ecove y, a d othe high-value custome jou eys.
• Clea e visibility i to AI-assisted i te actio s, with o ga izatio s mo e likely to disti guish legitimate softwa e assista ce f om suspicious automatio a d classify AI pa ticipatio with co fide ce.
• St o ge ide tity ve ificatio capabilities, i cludi g mo e matu e live ess detectio , huma p ese ce ve ificatio , sy thetic co te t detectio , a d the ability to eco st uct ide tity decisio s.
• Bette audit evide ce suppo ti g ide tity decisio s, etai i g iche eco ds of ide tity checks, eviewe actio s, a d decisio atio ale fo egulato y eviews a d i vestigatio s.

Togethe , these fi di gs suggest that co ti uous exposu e to AI-d ive ide tity isks may be accele ati g o ga izatio al matu ity.

“Fi a cial o ga izatio s a e ot ahead because they face fewe AI- elated ide tity th eats. Quite the opposite: they e cou te them mo e ofte . Thei adva tage is that co sta t p essu e has fo ced them to develop bette visibility, st o ge ide tity co t ols, a d mo e complete decisio evide ce. Fi a cial Se vices is simply the fi st secto to adapt to a ide tity la dscape whe e disti guishi g betwee huma a d machi e pa ticipatio is becomi g a daily challe ge,” says He y Patishma , Executive Vice P eside t of Ide tity Ve ificatio Solutio s at Regula.

Read the full Fi a cial Se vices AI Ide tity Readi ess Sco eca d o the Regula Blog.

About Regula

Regula is a global develope of ide tity ve ificatio (IDV) solutio s a d fo e sic devices, t usted by ove 2,000 o ga izatio s ac oss egulated i dust ies wo ldwide. Regula IDV solutio s delive e d-to-e d docume t ve ificatio , biomet ic authe ticatio , a d ide tity lifecycle ma ageme t. They e able o ga izatio s to p eve t f aud by e su i g the i teg ity of eve y sig al behi d each decisio . Built o 34 yea s of docume t fo e sics expe tise, fully p op ieta y tech ology, a d a i -house fo e sic labo ato y, Regula mai tai s the wo ld’s la gest template lib a y of 16,000+ ID templates f om 254 cou t ies a d te ito ies. The compa y’s tech ologies a e deployed at 80+ bo de co t ol autho ities wo ldwide. Recog ized i the 2025 Ga t e ® Magic Quad a t™ fo Ide tity Ve ificatio .

Lea mo e at www. egulafo e sics.com.