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Socure Report: AI is Creating New Fraudsters, Not Just Better Ones

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Socure Report: AI is Creating New Fraudsters, Not Just Better Ones

The headline conclusion is structural rather than incremental: AI is not simply making existing fraudsters more productive. It is recruiting people who would not otherwise have committed fraud at all.

Socure’s report introduces a distinct profile it labels the “AI-Fluent Fraudster.” More than half of individuals in this cohort show no evidence of fraudulent behaviour in the absence of AI tools, and their baseline fraud rate, at 4.1%, is statistically close to that of the general population at 5.0%. The implication for fraud and identity teams is significant: traditional behavioural signals built around repeat offenders and known fraud patterns may not flag this group before the first incident.

The scale effect compounds the problem. AI-Fluent Fraudsters committed roughly three times as many fraudulent acts as traditional offenders, and when breadth and frequency are combined, total fraud volume was approximately six times higher. Some 50.6% of AI-Fluent Fraudsters committed at least one fraudulent act ten or more times, a repeat-offence rate 5.5 times that of traditional fraudsters.

The motivational profile is also distinct. 8% cited curiosity as their primary reason for committing fraud, wanting to test what AI could do rather than acting from financial desperation, a rate nearly double that of traditional fraudsters. 8% of AI-Fluent Fraudsters said using AI to generate fake hardship letters or falsified bank statements did not feel like they were personally responsible for the act. That figure is close to three times the equivalent rate among traditional fraudsters.



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