The Threat
Account Takeover
56% of retail fraud leaders name account takeover as their top threat. It's a cyber event and a fraud event at the same time, which is exactly why it's hard for either team to own alone.
What 50 retail fraud and security leaders told us about their signature threat, where they’re investing next, and why the best-performing vertical in this research is also the most vigilant. See the retail findings summarized in this blog post.
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The threat, the shift, the paradox, and the gap - from 50 retail fraud, risk, and security leaders, benchmarked against 250+ across five industries:
Account Takeover
56% of retail fraud leaders name account takeover as their top threat. It's a cyber event and a fraud event at the same time, which is exactly why it's hard for either team to own alone.
Moving Controls "To the Left"
74% of retailers are expanding fraud controls into account creation, moving left from today's checkout-heavy focus (60%) to intercept account takeover at its source.
Best-Performing, Yet Most Vigilant
Retail leads every vertical in the study fraud metrics - yet it's also the vertical most concerned about fraud risk. Strong performance isn't producing complacency. It's producing the opposite.
One Signal, Not Two
Only 22% of retailers can distinguish a cyber attack from a fraud attack in real time. Those who can enjoy a strong advantage in fraud decisioning precision.
About Accertify
Accertify enables commerce by doing one thing extraordinarily well: pinpointing fraud. The company's Predictive Yes Platform helps businesses say yes to more — more good customers, more revenue, and more growth — without getting burned. With more than 10 billion transactions and over $1 trillion in commerce processed in 2025 alone, Accertify delivers the intelligence and precision that fraud and payments teams need to say yes confidently and enable growth. That's the More Yes difference.
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