Index reveals that Europe leads in fraud protection, while the U.S. and many Asian countries see major declines.

Sumsub, a global verification and anti-fraud leader, released the second edition of its Global Fraud Index, produced in collaboration withStatista, CryptoUK, Digital Assets Association, Vixio Regulatory Intelligence, and MENA Fintech Association.

“This year’s Global Fraud Index shows that fraud protection isn’t about geography, it’s about governance. At the same time, fraudsters are getting their hands on increasingly powerful AI tools. What was once a niche threat has become commonplace”, said Timothy Owens, Tech and AI Industry Expert, and Senior Research Lead Technology and TeleCommunications at Statista. “For technology leaders, the message is clear: treat fraud exposure like system uptime. It requires constant monitoring. Verification systems, information sharing between organisations, and robust incident response aren’t optional anymore; they’re fundamental components of operating in today’s digital environment.”

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Key highlights of the 2025 Global Fraud Index study include:

• The 15 countries most protected against digital fraud are: Luxembourg, Denmark, Finland, Norway, the Netherlands, Switzerland, New Zealand, Sweden, Austria, Singapore, Slovenia, Israel, Malta, Lithuania and Australia.
• The 15 countries least protected against digital fraud are: Pakistan, Indonesia, Nigeria, India, Tanzania, Uganda, Bangladesh, Rwanda, Azerbaijan, Sri Lanka, Ethiopia, Brazil, Armenia, Kenya and Colombia.
• Singapore dropped from #1 in 2024 to #10 in 2025
• The U.S. fell by 36 positions (from #55 to #91) and Malaysia declined 52 (from #34 to #86)
• Europe has the largest concentration of countries in the list of 15 most protected ones.
• Pakistan holds the last position in the Index for the second consecutive year.
• The U.S. has the highest government AI readiness index across the globe.

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The report examines fraud risk across 112 countries to assist regulatory bodies, governments and businesses in understanding and preventing fraud.

After being well-received last year, the 2025 Index expands on its 2024 study, adding nine new countries including the Philippines, Vietnam, Kenya, Uganda and Nigeria. The research combines Sumsub’s internal verification data with external sources such as the World Bank, Transparency International, and Oxford Insights to offer a comprehensive view of fraud exposure.