This whitepaper, sponsored by ID Analytics, explores the challenges that FIs and issuers face against a rising tide of application fraud and how the sharing of intelligence offers long-awaited hope in detecting the synthetic identities that make it possible. JAVELIN independently produced the whitepaper and maintains complete independence in its data collection, findings, and analysis.


The long-anticipated arrival of EMV in the U.S. is contributing to a change in the nature of fraud as criminals shift tactics and focus on digital applications.  Armed with a wealth of data and knowing that financial institutions (FIs) and issuers are  ill-prepared to manage the threat, fraudsters are making synthetic identities a weapon of choice. 

Sponsored by:

ID Analytics



The 2015 ID Fraud survey was conducted among 5,111 U.S. adults over age 18 on KnowledgePanel; this sample is representative of the U.S. census demographics distribution, recruited from the Knowledge Networks panel. Data collection took place from October 15 to November 2, 2015. Final data was weighted by Knowledge Networks, while Javelin was responsible for data cleaning, processing, and reporting. Data is weighted using 18+ U.S. Population Benchmarks on age, gender, race/ethnicity, education, census region, and metropolitan status from the most current CPS targets.