Across the UK and EU, fraud is increasingly driven by continuity, not isolated events. What appears as a single fraudulent transaction is often the outcome of signals that developed quietly across identity, device, and access layers.

Bureau conducted a regional survey across financial institutions and digital platforms in the United Kingdom and European Union to understand emerging fraud risks.

The key findings include:

• 50%+ of organizations reported increased fraud exposure

• Digital payment fraud and money mules rose 33% each

• 83% observed AI or automation in attacks

• 50% faced device spoofing and emulator-based activity

• 67% say siloed systems prevent early signal correlation

  
  

As a result, the investment priorities in the region are shifting toward prediction:

• Predictive fraud models (66%+)

• Behavioral analytics (50%)

• Graph intelligence (50%)

• Device intelligence (33%)

  
  

This Report Shows

• Why authorization no longer guarantees legitimacy

• How unauthorized fraud exploits delayed detection

• Where early risk signals actually emerge

• Why fragmented controls fail against continuous attacks