Accertify’s Emma Lindley Discusses the Future of AI-Driven Fraud with FM Magazine

Accertify’s Chief Development Officer Emma Lindley recently shared her perspective on the impact of AI-driven fraud in the finance industry with Financial Management, a magazine published by AICPA & CIMA, together as the Association of International Certified Professional Accountants. 

The article, “AI-driven fraud: How finance is responding,” examines how advances in artificial intelligence are transforming the fraud landscape. What was once the domain of highly skilled actors is now accessible to a much broader set of attackers, with AI enabling everything from deepfake impersonations to synthetic identities and autonomous fraud agents.

As Emma notes, “fraud is evolving faster than at any point I’ve seen in my career, largely because generative AI has lowered the barrier to entry for sophisticated attacks. These attacks no longer look clumsy or obvious. Many behave exactly like legitimate customers until the moment value is extracted.”

The piece also explores the rise of agentic commerce, where this challenge becomes even more pronounced. As businesses start interacting with automated agents rather than human users, the nature of trust itself is changing.

In Emma’s view, “agent-driven commerce introduces another layer of complexity because organizations are increasingly transacting with automated agents rather than humans. that fundamentally changes how identity, intent, and trust need to be assessed.”

A central theme throughout the discussion is that traditional, point-in-time approaches to fraud prevention are struggling to keep pace. Fraud is no longer confined to a single touchpoint. It is a continuous, coordinated challenge that spans the entire customer lifecycle.

That is why a fragmented approach is no longer sufficient. As Lindley notes, solutions focused on a single moment in the transaction flow leave gaps that sophisticated attackers are quick to exploit. The reality is that fraud signals appear long before and long after a payment is made and failing to connect those signals limits visibility into risk. Businesses that recognize this shift and adapt accordingly will be better positioned to protect revenue, support customers, and grow with confidence.

Read the full article in the latest edition of Financial Management.