Report by Regula
What’s Reshaping IDV in Banking & Fintech: 2026 Trends and Predictions
Key Findings
76% of banks and 78% of fintech companies reported needing more personnel to manage fraud risk effectively.
46% of respondents reported that up to 75% of banking identity verification processes are currently automated.
38% of banks expect their identity verification budgets to grow by 21-50% in the coming years.
30% of banks reported that they face synthetic identity fraud, which blends fake and real personal data to bypass verification.
40% of fintech companies reported that onboarding is the core fraud battleground, highlighting the importance of this stage in fraud prevention.
26% of banks and 32% of fintech companies reported facing cases where users presented counterfeit or altered documents.
71% of banking respondents indicated that fraud prevention is a priority for their organization.