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1、2025 DIGITAL BANKING FRAUD TRENDS IN SPAINBioCatch report on the current and future digital fraud landscape in SpainJune 2025BioCatch reportREPORT|2025 Digital Banking Fraud Trends in Spain2About this reportThis report offers a comprehensive perspective on the current threat landscape and banking fr

2、aud trends in Spain.To create this report,BioCatchs team of experts led by its global fraud intelligence team,and supported by its local global advisory and threat analytics teams conducted extensive research,compiling both proprietary BioCatch data from Spanish financial institutions and findings f

3、rom third-party sources.With banks improving their effective controls and pushing fraudsters out of digital channels,we explore how fraudsters are migrating to other channels and adapting their existing modus operandi to evade detection.This report is presented in the following sections:Threat lands

4、cape in Spain Using digital banking to protect users from card fraud Detecting malware to stop account takeover3REPORT|2025 Digital Banking Fraud Trends in SpainKey statisticsTrends:While we see an overall decrease in fraud volumes in Spain,this is fueled by third-party account takeovers falling by

5、52%,thanks to banks implementing effective controls to combat key fraud MOs.Social engineering volumes have remained consistent year-on-year.Despite a decline in account takeover(ATO)case volumes overall,we have seen an increase in malware attacks,especially from the so-called “Brazilian RAT”malware

6、(Grandoreiro).All around the world,weve seen an increase in the use of mobile devices to commit fraud.In Spain,80%of fraudulent sessions now take place on mobile platforms(up from 72%a year ago).BioCatch customers continue to report cases of stolen device fraud,but volumes have slightly declined.Ech