Welcome to XTN’s 2025 Wrap-Up, your definitive snapshot of a year where fraud tried to escalate its attacks, faster, craftier, and more ruthless than ever, and where we hit back with unmatched force. Every day, fraudsters search for new ways to exploit digital systems, but XTN is there, uncovering threats, protecting users, and proving that the Cognitive Security Platform® isn’t just a tool; it’s a comprehensive, competitive strategy that safeguards users while driving business growth.
Scams, instant payments, and money mules: the year of pervasive threats
2025 reaffirmed what we’ve known for years: scams are everywhere, constantly evolving. Instant payments officially entered the European landscape as a game-changer that opened new avenues for fraud and brought fresh challenges to companies. Money mule networks have become more pervasive than ever, discovering unexpected channels, such as online gambling, to move funds and conceal illicit activity.
Among the threats we uncovered, Shell Game Malware stood out as a sophisticated scheme quietly manipulating user flows, intercepting operations, and moving money behind the scenes. This discovery was a reminder that fraud doesn’t just adapt, it innovates, and so must the defenders.
Catch up on what we shared:
Fraud Knows No Borders Across Industries
Banking remains the core of digital risk, but 2025 made one thing abundantly clear: fraud no longer addresses financial and merchant markets. Online gambling and betting faced waves of complex attacks, putting platform credibility at risk and requiring bank-level protection.
Across sectors like automotive, insurance, healthcare, and telco, fraud became a universal challenge. And this is where XTN demonstrated that an integrated approach combining fraud, AML, and cybersecurity under one Ai and Behavioral-based cognitive strategy truly delivers.
It has been a year full of success stories. In banking, we helped a cooperative bank tackle rising Authorized Push Payment and card fraud, overcoming fragmented and outdated systems to restore speed, visibility, and full control over their operations. With a neobank struggling against identity theft, money mule accounts, and payment fraud, we applied our FRAML approach with precision, slashing fake profiles by 90%, securing onboarding, and keeping user interactions seamless. Even in telco, we supported Italy’s leading telecommunications provider, protecting millions of daily users without adding friction to their digital experience.
Catch up on what we shared:
- Online Gambling and Betting
- Cooperative Bank breaks fraud silos with omnichannel protection
- A leading Telco redefines security for 4 million users
- A Neobank fueling growth with FRAML prevention
XTN acknowledged by analysts & industry
2025 marked a milestone in industry recognition. XTN was featured in more than 12 analyst reports, from Gartner to Datos Insights to KuppingerCole and Quadrant Knowledge Solutions, underscoring our leadership as a reflection of the work we delivered, defended, and refined throughout the year.
Our participation in the podcast, The Security Strategist, became a hub for thought leadership, where we dismantled outdated fraud playbooks and shared insights with security leaders worldwide. Through these efforts, XTN continues to shape how the industry thinks, acts, and protects users.
Catch up on what we shared:
Looking Ahead to 2026: Agentic AI is Coming
If 2025 was the year fraud became fully cross-domain, 2026 will be defined by Agentic AI. On one side, it will empower users with faster, smarter, more intuitive experiences. On the other, it will give fraudsters autonomous tools to orchestrate attacks, adapt in real time, and mimic human behavior so convincingly that traditional defenses fall short. The challenge is no longer just spotting unusual user behavior; it’s distinguishing what is truly real, and XTN is ready not only to meet that challenge but to master it. Since fraud will feel less like isolated incidents and more like an ecosystem of adaptive, autonomous adversaries, the next frontier belongs to solutions that think, learn, and act dynamically, keeping pace with ever-evolving threats.
Catch up on what we shared:
A Final Thought
Whether it was malware hiding in plain sight, bots infiltrating gambling platforms, or the growing necessity to unify fraud, AML, and cybersecurity, 2025 made one thing crystal clear: protecting digital experiences from fraud and cyber threats still starts with protecting the authenticity of the user. Our motto, Trust Your Digital User, is more relevant than ever, and from now on it will be essential to ensure that the user is not only genuine but also real.
This is XTN’s 2025, a year of challenges met and victories earned, proving that the XTN Cognitive Security Platform® delivers absolute protection. The experience and insights we gained will fuel everything we build in 2026.
