In 2025, fraud stopped behaving like a system of isolated incidents. Most security programs are still built for discrete events: a rule fires, a case is reviewed, and a team moves on. But this model fails against the continuous, distributed abuse we see today.

Sardine’s 2026 Fraud and AML report analyzes how fraud has evolved from individual attacks into highly coordinated operating systems. Our research highlights why legacy point solutions create gaps where fraudsters thrive and how "vendor sprawl" has become a primary vulnerability for the modern enterprise.

Inside, you’ll find:

• Systemic frameworks for moving beyond isolated fraud controls
• Interruption strategies that prioritize "time-to-action" over simple detection
• Operational models for standing up payments fraud “fusion” cadences
• Planning checklists for 2026 regulatory and agentic commerce shifts

Download now for all the insights.