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Total ACH payment value increased 11%, creating a nearly 5-to-1 divergence.

A single low-cost device model drove 3% of all mobile account takeover attempts.

Attempted ACH fraud value increased 52% in 2025.

Zelle transactions were accompanied by a 34% rise in attempted fraud in 2024.

Zelle transactions saw a 26% increase in value in 2024.

Scams are still the method of choice across 57% of attempted fraud transactions.

67% of all fraud is linked to just 7% of payments made to newly added payees

From 2023 to 2024, fraudsters' focus shifted back slightly towards Account Takeover (ATO) Fraud from Scams in terms of overall value of attempts.

The value of attempted fraud for international wires surged 40% in 2024.

In 2024, the total value of international wire transactions declined 6% year over year.

From a volume perspective, there was a slight shift towards Scams to 52% in 2024 vs. a 50/50 split in 2023.