Fourthline's VP of Marketing describes the second annual Fraud & Authentication Report and how it was built.
Fraud reports usually study the fraudsters. We asked everyone else. Behind the scenes of our 2026 Fraud & Authentication Report ↗ · repeat of an earlier article
What happened
- Fourthline states it surveyed 6,000 adults across the UK, France, Germany, Spain, Italy and the Netherlands with Opinium and Cognito.
- Fourthline reports 78% of respondents would accept a slower, more thorough verification process if it meant significantly less fraud risk.
- Fourthline reports 62% want their bank to explain why extra security steps are needed, rising to 71% in Germany.
- Fourthline reports year-on-year shifts: AI/deepfake fraud worry 49% to 43%, trust in banks 82% to 73%, willingness to adopt new security measures 55% to 42%.
- Fourthline reports France has the highest fraud incidence in the survey at 26%.
Why it matters to Signicat
- The survey is original consumer research with hard numbers, relevant to European onboarding friction and fraud-security trade-offs; it is a vendor-commissioned survey and the figures are uncorroborated vendor claims.
- The report is largely a marketing-process account; its survey content is a modest signal for Signicat's document IDV and authentication messaging in core markets (UK, France, Germany, Spain, Italy, Netherlands overlap with Signicat's Benelux, DACH, Iberia and UK).
Evidence from the source (7 quotes)
- “Together with our research partner Opinium and our PR agency Cognito, we surveyed 6,000 adults across the UK, France, Germany, Spain, Italy and the Netherlands.” source ↗
- “Yet 78% of respondents told us they’d accept a slower, more thorough verification process if it meant significantly less fraud risk.” source ↗
- “62% want their bank to tell them why extra security steps are needed, rising to 71% in Germany.” source ↗
- “Worry about AI fraud and deepfakes eased from 49% to 43%. Trust in banks to handle money securely moved from 82% to 73%. Willingness to adopt new security measures dropped from 55% to 42%.” source ↗
- “France has the highest fraud incidence in the survey at 26%” source ↗
- “78% of Europeans would accept a slower, more thorough verification process if it meant significantly less fraud risk.” source ↗
- “Behind the scenes of our 2026 Fraud & Authentication Report” source ↗
Fraud deepfake injectionAuthentication passwordlessPositioning narrativeResearch reportThought leadershipUK IEFranceDACHIberiaItalyBenelux
6 of 6 facts verified against the source · confidence medium · claude-haiku-5-5