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

Download the Report

Understand how fraud develops across systems in the United Kingdom and the larger European Union, and how prevention must evolve to match it.