Today, attackers use AI-powered tactics to probe, adapt, and scale their attacks. These tactics allow them to simulate legitimate activity, test multiple flows, and identify weak points, making traditional perimeter-based detection insufficient.

This is fraud in rehearsal.

Fraud can occur across the full session, from pre-login and account setup to transfers and KYC interactions. Traditional tools that focus only on entry points or transactions miss the attacker’s activity unfolding in between. Much of this activity never appears in the logs, so without visibility into the session, you simply won’t see it.

Cleafy was built to handle this exact shift. We don’t just detect outcomes, we expose the attacker’s process as it unfolds, helping you stop threats in real-time, long before money moves.

This guide explains AI-powered fraud: how it’s executed, the signals to watch for, and how to detect and prevent attacks while they’re still being planned.

Here, you’ll find:

  • How AI is being used to enhance traditional fraud tactics from phishing to credential replay
  • Real examples of AI-assisted attacks seen in live banking sessions
  • The regulatory pressures shaping fraud detection in 2025 and beyond
  • Why current tools fail and how full-session visibility changes the game
  • Practical steps for detecting and preventing fraud before money moves

Understand how AI-powered fraud really works and how to stop it before it starts.