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2026 State of
Document Fraud
How deepfakes, template marketplaces, and human-AI collaboration are defining the next era of detection
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What’s inside the report
The 2026 State of Document Fraud Report is broken into four chapters and built on three foundations: detection data from the Inscribe network, a survey of 90 fraud and risk leaders, and in-depth interviews with practitioners on the front lines.
1. By the Numbers
Roughly 1 in 16 (6%) of documents show signs of fraud. We break down where document fraud is concentrated, which document types carry the highest risk, and what's actually being manipulated.
2. The AI Arms Race
AI-generated fraud increased 5x in 2025. We examine the rise of deepfake documents, the template economy industrializing fraud, and how leading teams are deploying AI to fight back.
3. The Cost of Inaction
Manual review that once took an 1 hour per application. Fraud losses that compound weekly. We show how and why legacy approaches are breaking down — and what it's costing.
4. Winning Strategies
$5.6M in losses prevented. 99% reduction in review time. We highlight what the most effective fraud teams are doing differently (from human-AI partnership to industry collaboration).
Featured in this report
This report features candid perspectives from fraud fighters at organizations including:
Marc Evans
Financial Crimes Detective
Jen Lamont, CBSAP, CFE
ACU
Angela Diaz, CRMP
Discover
Anurag Puranik
Coast
Frank McKenna
Point Predictive
Hailey Windham, CFCS
Logix FCU
Michael Coomer
BHG Financial
Michelle Prohaska, NCCO, NCRM, CRCM
Nymbus
Hailey Windham, CFCS
Logix FCU
About Inscribe
Inscribe helps banks, credit unions, and lenders catch fake documents, the fastest-growing form of financial crime. Fraudsters now use AI to create deepfakes and sophisticated forgeries faster than most defenses can react, leaving risk teams struggling to keep up. Our agentic AI is trained on millions of authentic financial documents and battle-tested against the latest fraud tactics.
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