The commercial payments fraud landscape: Threats, responses and strategic priorities


AI-powered fraud is reshaping commercial payments – yet commercial clients receive far less protection than retail customers.

This FStech industry report, produced in collaboration with Bottomline, surveyed 100 commercial payments professionals to reveal a troubling reality.

Key findings

  • 56 per cent of institutions invest less in commercial fraud prevention because clients bear the losses
  • Only 11 per cent are well-equipped to detect AI-powered fraud attempts
  • 50 per cent of clients override fraud warnings due to executive pressure
  • 46 per cent identify automated vendor impersonation as the top emerging AI threat
  • Discover how institutions are responding to business email compromise, deepfake executives, and machine-learning attacks. Learn which technologies are being deployed, where critical readiness gaps exist, and what investment priorities are shaping the industry's response.

    As fraud becomes increasingly industrialised, liability structures alone cannot protect your clients. This report provides the industry benchmark to assess your capabilities and identify strategic priorities.

    Download the full report now.


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