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AI has made fraud cheaper, faster, and harder to spot. Deepfakes can pass visual checks, agents can move through websites on behalf of users, and fraud rings are buying real accounts through Telegram marketplaces.
In this episode of WRAP UP, I sit down with Tamas Kadar, co-founder and CEO of SEON, to discuss how AI is making online fraud more sophisticated and what banks, fintechs and digital businesses can do to stop it.
We explore how deepfakes, synthetic identities and AI agents are helping fraudsters automate attacks at scale. Tamas explains why a face, document or video is no longer enough to verify a customer, and why fraud detection now needs to go beyond a single KYC check.
We discuss the signals that matter, including email, phone, IP, device intelligence, digital footprints and behavioural data. Tamas explains why risk teams need to monitor the full customer journey, from registration and onboarding to login and transaction, rather than rely on separate tools that only assess risk at one point in time.
We also cover account takeover through breached credentials and the growing threat of account handover, where real people open verified accounts that are later sold through Telegram and dark web marketplaces. These accounts can then be used for mule activity, scams and moving illicit funds.
Tamas shares how SEON has expanded its risk intelligence to more than 1,100 signals, how financial institutions can combine this data with their own internal AI models, and why dynamic friction is key: letting genuine customers move smoothly while introducing extra verification only when activity looks suspicious.
Finally, we discuss what banks and fintechs should do now to prepare for AI-driven fraud, including how to handle AI agents, why live proofs of concept matter when selecting a fraud platform, and why simple integration should be part of every vendor decision.
Learn more about SEON: https://seon.io/editions/signal-intelligence-2026/?utm_source=seon&utm_medium=fintech-wrap-up&utm_campaign=podcast_fintech-wrap-up-podcast-launch_fy26-q3&utm_content=
