A survey by Regula of fraud prevention and financial crime professionals in the United States, Germany, the UAE, and Singapore finds that most organizations still track fraud through reactive metrics while the threats they face have shifted toward adaptive, multi-system schemes that those metrics do not capture in time to prevent losses.
The research shows that current fraud measurement relies heavily on outcome-based indicators including chargeback rates, cost of fraud, customer impact, and false negative rates. These reflect what has already happened. The metrics organizations say they want to move toward are largely forward-looking: compliance with regulatory standards, collaboration with external fraud intelligence sources, fraud prevention ROI, customer satisfaction, and response time to emerging fraud trends.
Regula describes the gap as creating incomplete visibility, with implications for fraud losses, compliance exposure, and operational efficiency. Organizations risk making budget and staffing decisions based on historical outcomes when current fraud is increasingly built and validated across multiple platforms before it surfaces in any single institution’s data.
The survey also found that identity verification performance is no longer tracked through a single indicator. Organizations report relying on combinations of KPIs across four categories: financial impact, operational performance, detection accuracy, and customer experience. Industry-specific patterns emerged: fintech and crypto companies weight financial KPIs such as ROI and fraud losses most heavily, telecom and banking emphasize compliance and regulatory alignment, and aviation prioritizes customer experience metrics where friction directly affects revenue.
The shift from single indicators to multi-dimensional KPI systems reflects the growing complexity of fraud prevention. Regula notes that identity data emerged as the primary target for criminals in 2025 according to its earlier research, making the lag between evolving threat patterns and existing measurement frameworks a material operational risk for financial institutions and identity-dependent services.
Regula reported its global identity verification user base reached 240 million in early 2026, a scale at which measurement frameworks have direct operational and financial significance. The findings also indicate that identity verification is being repositioned in some organizations as a system-level business function spanning security, compliance, customer experience, and financial performance concurrently, rather than operating as a separate compliance checkpoint with its own isolated metrics.
Sources: GlobeNewswire
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By the ID Tech Editorial Team
