According to the 2025 NiCE Actimize Fraud Insights Report from 2023 to 2024, fraudsters’ focus shifted back slightly towards Account Takeover (ATO) Fraud from Scams, in terms of the overall value of attempts. Scams are still the method of choice across 57% of attempted fraud transactions; however, ATO fraud is showing no sign of disappearing. From a volume perspective, there was a slight shift towards Scams to 52% in 2024 vs. 50/50 split in 2023. In the U.S., the top fraud challenges vary significantly depending on whether the focus is on value (dollar amount of the transactions) or volume (number of transactions), the report says. The most notable development since last year’s report, concerns international wires. In 2024, the total value of international wire transactions declined 6% year over year, but the value of attempted fraud for international wires surged 40%. Additionally, Zelle transactions saw a 26% increase in value, accompanied by a 34% rise in attempted fraud. The report’s data also revealed that 67% of all fraud is linked to just 7% of payments made to newly added payees—highlighting how fraudsters are exploiting when a new recipient is introduced into the payment flow. The report also highlights that international wire fraud attempts are becoming more targeted and sophisticated, often involving social engineering tactics and mule accounts across borders. The report’s statistics also show that fraudsters are strategically targeting different payment types based on their characteristics—high-value fraud through checks and wires, and high-frequency, lower-value fraud through faster digital channels like Zelle.