Forget the stereotype of a lone hacker in a hoodie—today’s financial crime scene looks more like a venture-backed tech startup, but with a criminal portfolio.
According to Visa's Fall 2025 Threats Report, scammers have leveled up from opportunists to industrial operators, leveraging reusable infrastructure—think botnets, synthetic IDs, mass scam scripts, and, most alarmingly, AI agents. These tools coordinate global attacks at scale, processing hundreds of thousands of compromised accounts in a single, orchestrated release.
