PYMNTS Intelligence: The expansion of banks’ fraud technology stacks creates system integration challenges

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The PYMNTS Intelligence report shows that 78% of financial institutions view the complexity of new technology systems as the biggest obstacle to innovation, up from 48% a year earlier. In 2026, adoption rates for behavioral analytics, device fingerprinting, and enhanced knowledge verification among surveyed institutions all reached 100%, while machine learning and artificial intelligence reached 96%; among institutions planning to develop fraud detection systems in-house, 93% still combine third-party technology with proprietary tools.