{"id":72472,"date":"2025-12-01T13:00:54","date_gmt":"2025-12-01T05:00:54","guid":{"rendered":"http:\/\/www.upgrademag.com\/web\/?p=72472"},"modified":"2025-12-01T13:00:54","modified_gmt":"2025-12-01T05:00:54","slug":"consumer-fears-spike-as-ai-driven-mobile-fraud-threatens-holiday-shopping-season","status":"publish","type":"post","link":"http:\/\/www.upgrademag.com\/web\/2025\/12\/01\/consumer-fears-spike-as-ai-driven-mobile-fraud-threatens-holiday-shopping-season\/","title":{"rendered":"Consumer fears spike as AI-driven mobile fraud threatens holiday shopping season"},"content":{"rendered":"<p><strong>As Filipino consumers head into the busiest mobile shopping window of the year, new data from Appdome\u2019s fifth annual Consumer Expectations of Mobile App Security Report shows that synthetic fraud, identity theft, and AI-driven scams are now the top reasons Filipinos abandon mobile apps during Black Friday and the holiday season.<\/strong><\/p>\n<p>Industry data from NordLayer, SEON, and Kaspersky shows fraud attempts rising anywhere from 22% to more than 4\u00d7 during Cyber Week alone. Appdome\u2019s new consumer research reflects\u00a0this heightened risk environment:<\/p>\n<ul>\n<li><span role=\"presentation\"><b>43.4%<\/b>\u00a0of Filipinos fear\u00a0<b>identity fraud<\/b>\u00a0most when shopping on mobile.<\/span><\/li>\n<li><span role=\"presentation\"><b>74.7%<\/b>\u00a0delete or abandon apps over\u00a0<b>fraud or security concerns<\/b>.<\/span><\/li>\n<li><span role=\"presentation\"><b>34.1%<\/b>\u00a0say they or someone they know has been a victim of\u00a0<b>social engineering scams<\/b>.<\/span><\/li>\n<\/ul>\n<p>With deep discounts, speed pressure, and high-volume mobile payments converging, consumers are entering a holiday season they believe is primed for fraud.<\/p>\n<p>\u201cAI is changing the fraud landscape faster than mobile businesses can react,\u201d said Tom Tovar, Co-Creator and CEO of Appdome. \u201cConsumers want proof that their apps can stop fraud before a holiday purchase is made, not after the damage is done.\u201d<\/p>\n<p><b>AI is Driving a New Wave of Holiday Fraud<\/b><\/p>\n<p>In 2025, AI-driven scams, including deepfake payment approvals, vishing attacks, and bot-driven account takeovers have become primary enablers of holiday-season mobile fraud.<\/p>\n<p>Appdome\u2019s research found that:<\/p>\n<ul>\n<li><span role=\"presentation\"><b>67.2%<\/b>\u00a0of Filipinos see\u00a0<b>AI as an opportunity<\/b>, while\u00a0<b>32.8%<\/b>\u00a0see it as a threat to the safety of using mobile apps.<\/span><\/li>\n<li><span role=\"presentation\"><b>84.1%<\/b>\u00a0expect apps to block\u00a0<b>AI-powered threats<\/b>\u00a0such as bots, deepfakes, impersonation, and account takeovers.<\/span><\/li>\n<li><span role=\"presentation\">Yet only\u00a0<b>60.0%<\/b>\u00a0feel confident mobile apps can actually stop these threats \u2014 reflecting a significant trust and expectation gap.<\/span><\/li>\n<\/ul>\n<p>This \u201cAI paradox\u201d puts enormous pressure on banking, retail, fintech, travel, and delivery apps to demonstrate visible in-app protection during peak holiday shopping.<\/p>\n<p><b>Prevention, Not Reimbursement, Is the New Expectation<\/b><\/p>\n<p>During Black Friday and year-end shopping, consumers overwhelmingly expect mobile apps to protect them proactively:<\/p>\n<ul>\n<li><span role=\"presentation\"><b>86.7%<\/b>\u00a0prioritize\u00a0<b>fraud prevention before it occurs<\/b>, not reimbursement after.<\/span><\/li>\n<li><span role=\"presentation\"><b>45.9%<\/b>\u00a0say the\u00a0<b>mobile app maker<\/b>\u00a0not the device, OS, or carrier is responsible for stopping fraud.<\/span><\/li>\n<li><span role=\"presentation\"><b>70.0%<\/b>\u00a0say\u00a0<b>privacy is very important<\/b>, and\u00a0<b>15.2%<\/b>\u00a0refuse to use apps without clear privacy safeguards.<\/span><\/li>\n<\/ul>\n<p>\u201cHoliday shopping is when attackers strike hardest,\u201d said Jamie Bertasi, Chief Customer Officer at Appdome. \u201cAI lets bad actors mimic real users, hijack sessions, and trigger fraudulent transactions. Stopping these attacks inside the app is essential to protecting customers and revenue during the busiest shopping seasons of the year.\u201d<\/p>\n<p><b>Mobile Apps Must Act Before Spending Peaks<\/b><\/p>\n<p>With record mobile spending expected between Black Friday and December 31, the findings show a clear mandate for app makers:<\/p>\n<ul>\n<li><span role=\"presentation\">High-velocity holiday transactions are ideal for synthetic identity fraud and account takeovers.<\/span><\/li>\n<li><span role=\"presentation\">Attackers are using AI to scale and automate mobile scams at unprecedented speed.<\/span><\/li>\n<li><span role=\"presentation\">Consumer trust can shift instantly to apps that demonstrate visible protection.<\/span><\/li>\n<\/ul>\n<p>According to the survey, mobile users are significantly more likely to recommend, review, and promote brands that visibly protect them especially during the holidays:<\/p>\n<ul>\n<li><span role=\"presentation\"><b>27.6%<\/b>\u00a0would leave\u00a0<b>positive reviews<\/b>\u00a0for apps that protect them.<\/span><\/li>\n<li><span role=\"presentation\"><b>24.7%<\/b>\u00a0would\u00a0<b>promote secure apps on social media<\/b>.<\/span><\/li>\n<\/ul>\n<p><b>About the Report<\/b><\/p>\n<p>To read the full report go to <u><a id=\"m_1109680691829288902OWAdfde466c-c226-a4a7-bc02-d7a50e0e9eb5\" href=\"https:\/\/www.appdome.com\/mobile-consumer-cyber-security-survey\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.appdome.com\/mobile-consumer-cyber-security-survey\/&amp;source=gmail&amp;ust=1764648268455000&amp;usg=AOvVaw3hIzClC76_pAKUpxNgsUSy\">https:\/\/www.appdome.com\/<wbr \/>mobile-consumer-cyber-<wbr \/>security-survey\/<\/a>.<\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>43.4%\u00a0of Filipinos fear\u00a0identity fraud\u00a0most when shopping on mobile.<\/p>\n","protected":false},"author":6,"featured_media":72473,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[7560,1481,2949,746,54],"class_list":["post-72472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-white-papers","tag-appdome","tag-cybersecurity","tag-e-shopping","tag-online-shopping","tag-security"],"_links":{"self":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/comments?post=72472"}],"version-history":[{"count":1,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72472\/revisions"}],"predecessor-version":[{"id":72474,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72472\/revisions\/72474"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media\/72473"}],"wp:attachment":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media?parent=72472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/categories?post=72472"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/tags?post=72472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}