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India's suspected digital fraud rate stood at 7.1% in 2025, nearly twice the global average of 3.8%, according to TransUnion's H1 2026 State of Omnichannel Fraud Report. The report notes an increase in the number of account takeovers attempted by hackers. Fraudsters are increasingly targeting users' existing accounts.
The findings of the report suggest that account logins were among the most common sources of fraud. Criminals use login credentials and social engineering to compromise authentic accounts.
Identity fraud is different from account takeover, as with identity fraud, criminals can impersonate legitimate accounts.
The rise in digital payments and e-commerce transactions in India has created more opportunities for cybercriminals, who are continually seeking new targets for fraud. People keep their financial details on their accounts, which makes them susceptible to theft.
The above report shows that cybercriminals prefer targeting existing accounts with a history of transactions and payment options rather than creating new fake accounts.
The new report clearly indicates a growing need for improved measures against fraud amid the rising number of digital transactions. Companies have already started using multi-factor authentication and behavioral analysis to detect suspicious activity in real time.
Security experts say that security measures must adapt to the constantly evolving methods used by fraudsters, who have become increasingly difficult to detect.
Also Read: Apple Cracks Down on Fake Apps and Blocks $2.2 Billion in Fraud
The situation is quite serious amid rising digital fraud outside India, where digital channels are being adopted rapidly. Achieving a proper balance between convenience and security is quite difficult in India.
Consumers are urged to enable multi-factor authentication, use strong passwords, and avoid clicking any suspicious links. Account takeover schemes have become rampant, making it as vital to protect an existing account as it is to protect identity.
