<p>零售商在 2024 年因电子商务欺诈损失了约 1150 亿美元，而无效的身份验证仍然是他们在进入 2026 年时必须解决的最大漏洞之一。欺诈者的演变速度超过了许多零售系统的反应速度；与此同时，客户期望验证过程既无缝又安全。</p>
<p>尽管电子商务领导者正在采用更先进的欺诈和身份验证技术，但令人惊讶的是，仍有相当多的零售商依赖手动检查或过时的欺诈过滤器。最近的数据突显出零售欺诈正在加速，10% 的产品退货被认定为欺诈，7% 的 BOPIS 交易可能存在欺诈，商家面临超过 1000 亿美元的退款。这为账户接管和合成身份欺诈创造了明显的机会。</p>
<p>预计到 2026 年，随着验证成为满足支付提供商要求和保护忠诚度计划的必要条件，整个行业将迅速追赶。</p>
<h3><strong>合成身份欺诈成为零售业最大的负担</strong></h3>
<p>合成身份欺诈仍然是增长最快的欺诈类型，已超过传统身份盗窃和信用卡欺诈。2026 年将是其对零售业影响最严重的一年，暴露出账户创建、结账流程和分期付款批准流程中的弱点。与经典身份盗窃不同，后者是犯罪分子窃取某人的完整身份，合成欺诈则将真实和虚假信息混合，创造出看似合法的客户，但一旦被欺诈，企业将无计可施。</p>
<p>对于零售商来说，这越来越意味着新的客户账户、忠诚度注册和结账身份看起来合法，但实际上属于由真实和虚假数据混合构建的合成档案。IDScan.net 对零售环境中扫描的超过 400,000 个身份的分析显示了这一威胁加速的速度。例如，在 2024 年黑色星期五期间，欺诈尝试比年度平均水平高出 117.3%，而随后的那一周则激增至比年度平均水平高出 195.1%。整体零售欺诈尝试从 2023 年到 2024 年增加了五倍。</p>
<p>检测合成身份变得越来越困难，因为 AI 生成的文件和伪造的档案现在以惊人的准确性模仿真实身份证。欺诈手段的演变速度超过了许多零售身份验证系统的跟进速度，进一步加大了看似可信与实际可信之间的差距。</p>
<h2><strong>人工智能既是威胁也是防御</strong></h2>
<p>随着生成性人工智能的不断崛起，身份验证的每个环节都受到影响。一方面，我们看到 AI 驱动的工具创造出深度伪造和合成身份，这些身份确实很难被发现。研究显示，78% 的消费者担心深度伪造对他们身份的威胁，但只有 44% 的人对自己能够识别深度伪造感到自信。如果消费者难以识别这些威胁，许多前线员工也会难以发现这些相同的威胁。</p>
<p>与此同时，人工智能正成为对抗这些威胁的最有效防御。现代验证系统能够以远超手动审核的准确性分析图像不一致性、行为模式和文件异常。</p>
<p>为了在 2026 年应对威胁，零售商现在就必须采用基于 AI 的验证模型——而不是等到欺诈已经影响到退款、忠诚度欺诈或账户接管后再采取行动——这是至关重要的。到影响显现时，损害已经造成。</p>
<h3><strong>移动身份证正在扩展</strong></h3>
<p>这一趋势值得单独强调，因为它已经开始获得关注并付诸实践。六个州在 2024 年推出了移动驾驶执照项目，预计到 2025 年底将有八个州加入。到 2026 年，客户将更频繁地使用数字版本的身份证。我们看到的一个现实例子是苹果公司宣布为 Apple Wallet 推出数字护照功能，这表明主要科技公司正在投资移动凭证基础设施，这可能会加速整体的采用。</p>
<p>到 2026 年，这一趋势将更加明显，尤其是在客户购买年龄限制产品或需要确认身份以获取忠诚度或会员资格时。能够快速安全地验证移动身份证的零售商将使每个人的操作流程更加顺畅和可靠。</p>
<h3><strong>监管变化将要求更严格的验证</strong></h3>
<p>预计 2026 年将带来监管变化，这将直接影响我们在各种日常互动中验证身份的方式，包括一些直接涉及零售的互动。教育部在 2025 年的打击行动正在设定一个先例，我们已经看到这一趋势渗透到其他机构，越来越多的项目要求提供更强有力的身份证明。我们也开始看到数字验证的严格执行，包括重新验证要求，这表明大多数行业，包括零售，正朝着持续身份检查而非一次性验证的方向发展。</p>
<p>当你将这一点与关于选民身份证、年龄限制购买和政府贷款获取的讨论结合起来时，这些变化正在使各个行业的更严格验证期望变得常态化。对于零售商来说，这意味着在销售点和在线上需要新的合规义务和操作调整。零售商需要准备更频繁地验证身份。</p>
<h3><strong>信任正在下降，持续验证是解决方案</strong></h3>
<p>零售商面临的最大变化之一是从一次性身份检查转向在个人与企业关系的整个过程中进行验证。传统的方法是在雇佣时或首次注册时确认某人的身份，然后假设没有变化，这使企业容易受到欺诈的影响。</p>
<p>零售商知道，在第一天验证某人并不能保证一年后仍然有效。客户信息可能会变化，账户可能会被接管，欺诈行为往往发生在初次互动很久之后。随着我们迈向 2026 年，越来越多的零售商正在寻找在招聘、忠诚度互动、BOPIS 取货或其他高价值交易中保持长期信任的方法。</p>
<p>威胁在不断演变，人们的信息也在变化，安全流程需要反映这一现实。持续验证正逐渐成为一种期望，那些现在将其纳入流程的零售商将在欺诈变得越来越复杂时获得更好的保护。</p>
<h3><strong>展望 2026</strong></h3>
<p>所有这些趋势都是相互关联的，解决这些问题需要零售商、技术合作伙伴和政策制定者之间的协调，以确保在每个接触点上都能一致且安全地处理身份。好消息是，行业正在采取行动，基于人工智能的验证、移动身份证和更安全的凭证工具的进步正在逐步赶上法规的期望和企业在实践中能够实施的内容。</p>
<p>在 2026 年，零售商有机会为客户提供更安全、更顺畅的体验，而此时消费者的信任比以往任何时候都更难获得。欺诈正在演变，数字身份正成为日常生活的一部分。那些开始升级验证并利用人工智能发现人眼无法察觉的内容的零售商，将为客户创造更安全的体验，并为他们的业务提供更强的保护。</p>
<hr/>
<p><em>Jimmy Roussel 是一位经过验证的增长专家，专注于加速技术公司在美国的扩展。在</em> <em>IDScan.net</em> <em>，他在继续提供 IDScan.net 一流的身份验证解决方案中发挥着重要作用，为美国的企业提供服务，以增强其反欺诈措施，保护收入并提高客户安全性。</em></p>

<p>预计到 2026 年，零售商将在身份验证方面面临重大挑战，电子商务欺诈损失将在 2024 年达到 1150 亿美元。合成身份欺诈的兴起，混合了真实和虚假信息，尤其在账户创建和结账过程中构成了重大威胁。人工智能既是制造深度伪造的工具，也是对抗欺诈的防御机制。此外，移动身份证的采用正在增加，监管变化将要求更严格的验证流程。零售商必须适应这些不断变化的威胁和合规要求，以保护其运营</p>

<p>Retailers lost an estimated $115 billion to ecommerce fraud in 2024, and ineffective identity verification remains one of the biggest vulnerabilities they must address entering 2026. Fraudsters are evolving faster than many retail systems can react; meanwhile, customers expect verification to be both seamless and secure.</p>
<div class="lb-trans"><p>零售商在 2024 年因电子商务欺诈损失了约 1150 亿美元，而无效的身份验证仍然是他们在进入 2026 年时必须解决的最大漏洞之一。欺诈者的演变速度超过了许多零售系统的反应速度；与此同时，客户期望验证过程既无缝又安全。</p>
</div><p>While ecommerce leaders are taking on more advanced fraud and identity verification technologies, a surprising number of retailers still rely on manual checks or outdated fraud filters. Recent data highlights that retail fraud is accelerating, with 10% of all product returns deemed fraudulent, 7% of BOPIS transactions potentially fraudulent and merchants facing more than $100B in chargebacks. This creates clear opportunities for account takeovers and synthetic identity fraud.</p>
<div class="lb-trans"><p>尽管电子商务领导者正在采用更先进的欺诈和身份验证技术，但令人惊讶的是，仍有相当多的零售商依赖手动检查或过时的欺诈过滤器。最近的数据突显出零售欺诈正在加速，10% 的产品退货被认定为欺诈，7% 的 BOPIS 交易可能存在欺诈，商家面临超过 1000 亿美元的退款。这为账户接管和合成身份欺诈创造了明显的机会。</p>
</div><p>In 2026, expect rapid catch-up across the sector as verification becomes essential for meeting payment provider requirements and safeguarding loyalty programs.</p>
<div class="lb-trans"><p>预计到 2026 年，随着验证成为满足支付提供商要求和保护忠诚度计划的必要条件，整个行业将迅速追赶。</p>
</div><h3><strong>Synthetic Identity Fraud Becomes Retail’s Biggest Liability</strong></h3>
<div class="lb-trans"><h3><strong>合成身份欺诈成为零售业最大的负担</strong></h3>
</div><p>Synthetic identity fraud has remained the fastest-growing type of fraud, overtaking traditional identity theft and credit card fraud. 2026 is shaping up to be the year it hits retail hardest, exposing weaknesses in account creation, checkout flows and BNPL approval processes. Unlike classic identity theft, where a criminal steals someone’s full identity, synthetic fraud blends real and fake information to create customers who appear legitimate at first glance but leave companies with no recourse once defrauded.</p>
<div class="lb-trans"><p>合成身份欺诈仍然是增长最快的欺诈类型，已超过传统身份盗窃和信用卡欺诈。2026 年将是其对零售业影响最严重的一年，暴露出账户创建、结账流程和分期付款批准流程中的弱点。与经典身份盗窃不同，后者是犯罪分子窃取某人的完整身份，合成欺诈则将真实和虚假信息混合，创造出看似合法的客户，但一旦被欺诈，企业将无计可施。</p>
</div><p>For retailers, this increasingly means new customer accounts, loyalty enrollments and checkout identities that look legitimate but belong to synthetic profiles built from a blend of real and fake data. IDScan.net’s analysis of more than 400,000 identities scanned across retail environments shows how quickly the threat is accelerating. For example, during Black Friday 2024, fraud attempts were 117.3% higher than the yearly average, and the week that followed surged to 195.1% above yearly average levels. Overall retail fraud attempts increased fivefold from 2023 to 2024.</p>
<div class="lb-trans"><p>对于零售商来说，这越来越意味着新的客户账户、忠诚度注册和结账身份看起来合法，但实际上属于由真实和虚假数据混合构建的合成档案。IDScan.net 对零售环境中扫描的超过 400,000 个身份的分析显示了这一威胁加速的速度。例如，在 2024 年黑色星期五期间，欺诈尝试比年度平均水平高出 117.3%，而随后的那一周则激增至比年度平均水平高出 195.1%。整体零售欺诈尝试从 2023 年到 2024 年增加了五倍。</p>
</div><p>Detecting synthetic identities is becoming increasingly difficult, as AI-generated documents and fabricated profiles now mimic authentic IDs with alarming accuracy. Fraud methods are evolving faster than many retail identity verification systems can keep up, further increasing the disparity between what appears trustworthy and what actually is.</p>
<div class="lb-trans"><p>检测合成身份变得越来越困难，因为 AI 生成的文件和伪造的档案现在以惊人的准确性模仿真实身份证。欺诈手段的演变速度超过了许多零售身份验证系统的跟进速度，进一步加大了看似可信与实际可信之间的差距。</p>
</div><h2><strong>AI Becomes Both the Threat and Defense</strong></h2>
<div class="lb-trans"><h2><strong>人工智能既是威胁也是防御</strong></h2>
</div><p>With the increasing rise of generative AI, every part of identity verification is being affected. On one side, we’re seeing AI-powered tools create deepfakes and synthetic identities that are genuinely hard to spot. Research shows 78% of consumers are worried about deepfake threats to their identity, but only 44% felt confident they could actually identify one. If consumers are struggling to spot them, plenty of frontline staff will struggle to spot these same threats.</p>
<div class="lb-trans"><p>随着生成性人工智能的不断崛起，身份验证的每个环节都受到影响。一方面，我们看到 AI 驱动的工具创造出深度伪造和合成身份，这些身份确实很难被发现。研究显示，78% 的消费者担心深度伪造对他们身份的威胁，但只有 44% 的人对自己能够识别深度伪造感到自信。如果消费者难以识别这些威胁，许多前线员工也会难以发现这些相同的威胁。</p>
</div><p>Simultaneously, AI is becoming the most effective defense against these threats. Modern verification systems can analyse image inconsistencies, behavioural patterns and document anomalies with accuracy far beyond a manual review.</p>
<div class="lb-trans"><p>与此同时，人工智能正成为对抗这些威胁的最有效防御。现代验证系统能够以远超手动审核的准确性分析图像不一致性、行为模式和文件异常。</p>
</div><p>For retailers to get ahead of the threats in 2026, embracing AI-driven verification models now — not after fraud has already impacted chargebacks, loyalty fraud or account takeovers — iscritical. By the time the impact is visible, the damage will have already been done.</p>
<div class="lb-trans"><p>为了在 2026 年应对威胁，零售商现在就必须采用基于 AI 的验证模型——而不是等到欺诈已经影响到退款、忠诚度欺诈或账户接管后再采取行动——这是至关重要的。到影响显现时，损害已经造成。</p>
</div><h3><strong>Mobile IDs are Expanding</strong></h3>
<div class="lb-trans"><h3><strong>移动身份证正在扩展</strong></h3>
</div><p>This trend is important to highlight on its own, as it’s already gaining traction and being put into practice. Six states launched mobile driver’s license programs in 2024 and eight more are expected to join by the end of 2025. By 2026 customers will be using digital versions of their ID far more often. A real-world example we are seeing is Apple’s announcement of a digital passport feature for Apple Wallet, signalling that major tech companies are investing in mobile credential infrastructure, which could accelerate adoption across the board.</p>
<div class="lb-trans"><p>这一趋势值得单独强调，因为它已经开始获得关注并付诸实践。六个州在 2024 年推出了移动驾驶执照项目，预计到 2025 年底将有八个州加入。到 2026 年，客户将更频繁地使用数字版本的身份证。我们看到的一个现实例子是苹果公司宣布为 Apple Wallet 推出数字护照功能，这表明主要科技公司正在投资移动凭证基础设施，这可能会加速整体的采用。</p>
</div><p>This will become more noticeable in 2026, especially when customers are buying age-restricted products or need to confirm their identity for loyalty or membership purposes. Retailers that can verify mobile IDs quickly and securely will make operational workflows smoother and more reliable for everyone.</p>
<div class="lb-trans"><p>到 2026 年，这一趋势将更加明显，尤其是在客户购买年龄限制产品或需要确认身份以获取忠诚度或会员资格时。能够快速安全地验证移动身份证的零售商将使每个人的操作流程更加顺畅和可靠。</p>
</div><h3><strong>Regulatory Changes will Demand Stricter Verification Across the Board</strong></h3>
<div class="lb-trans"><h3><strong>监管变化将要求更严格的验证</strong></h3>
</div><p>2026 is expected to bring regulatory changes that will directly affect how we verify identities across a wide range of everyday interactions, including several that directly touch retail. The Department of Education’s crackdown in 2025 is setting a precedent that we’re already seeing trickle into other agencies, with more programs demanding stronger proof of identity. We are also starting to see stricter enforcement with digital verification, including re-verification requirements, which signals that most industries, retail included, are heading toward ongoing identity checks rather than one-time verification during hiring.</p>
<div class="lb-trans"><p>预计 2026 年将带来监管变化，这将直接影响我们在各种日常互动中验证身份的方式，包括一些直接涉及零售的互动。教育部在 2025 年的打击行动正在设定一个先例，我们已经看到这一趋势渗透到其他机构，越来越多的项目要求提供更强有力的身份证明。我们也开始看到数字验证的严格执行，包括重新验证要求，这表明大多数行业，包括零售，正朝着持续身份检查而非一次性验证的方向发展。</p>
</div><p>When you combine this with the conversations happening around voter ID, age-restricted purchases and access to government loans, these changes are normalizing tougher verification expectations across all sectors. For retailers, this means new compliance obligations and operational adjustments at the point of sale and online. Retailers need to be prepared to validate identity more often.</p>
<div class="lb-trans"><p>当你将这一点与关于选民身份证、年龄限制购买和政府贷款获取的讨论结合起来时，这些变化正在使各个行业的更严格验证期望变得常态化。对于零售商来说，这意味着在销售点和在线上需要新的合规义务和操作调整。零售商需要准备更频繁地验证身份。</p>
</div><h3><strong>Trust is Declining, and Continuous Verification is the Answer</strong></h3>
<div class="lb-trans"><h3><strong>信任正在下降，持续验证是解决方案</strong></h3>
</div><p>One of the biggest changes retailers are facing is the move away from one-time identity checks toward verification that happens throughout a person’s relationship with a business. The traditional approach, confirming someone’s identity when they’re hired or when they first sign up, then assuming nothing will change, is leaving businesses vulnerable to fraud.</p>
<div class="lb-trans"><p>零售商面临的最大变化之一是从一次性身份检查转向在个人与企业关系的整个过程中进行验证。传统的方法是在雇佣时或首次注册时确认某人的身份，然后假设没有变化，这使企业容易受到欺诈的影响。</p>
</div><p>Retailers know that verifying someone on day one doesn’t guarantee anything a year later. Customer details can change, accounts can be taken over and fraud often happens long after the initial interaction. As we head into 2026, more retailers are looking at ways to maintain trust over a long period of time, whether that’s during hiring, loyalty engagement, BOPIS pickups or other high-value transactions.</p>
<div class="lb-trans"><p>零售商知道，在第一天验证某人并不能保证一年后仍然有效。客户信息可能会变化，账户可能会被接管，欺诈行为往往发生在初次互动很久之后。随着我们迈向 2026 年，越来越多的零售商正在寻找在招聘、忠诚度互动、BOPIS 取货或其他高价值交易中保持长期信任的方法。</p>
</div><p>Threats evolve, people’s information changes and security processes need to reflect that reality. Continuous verification is on track to become the expectation, and retailers that build this into their processes now will be better protected as fraud becomes more and more sophisticated.</p>
<div class="lb-trans"><p>威胁在不断演变，人们的信息也在变化，安全流程需要反映这一现实。持续验证正逐渐成为一种期望，那些现在将其纳入流程的零售商将在欺诈变得越来越复杂时获得更好的保护。</p>
</div><h3><strong>Looking Ahead to 2026</strong></h3>
<div class="lb-trans"><h3><strong>展望 2026</strong></h3>
</div><p>All of these trends are connected, and addressing them will take coordination among retailers, technology partners and policymakers to make sure identity is handled consistently and securely across every touch point. The good news is that the industry is taking action and that advances in AI-driven verification, mobile IDs and more secure credentialing tools are starting to catch up with what regulations expect and what businesses can carry out in practice.</p>
<div class="lb-trans"><p>所有这些趋势都是相互关联的，解决这些问题需要零售商、技术合作伙伴和政策制定者之间的协调，以确保在每个接触点上都能一致且安全地处理身份。好消息是，行业正在采取行动，基于人工智能的验证、移动身份证和更安全的凭证工具的进步正在逐步赶上法规的期望和企业在实践中能够实施的内容。</p>
</div><p>Retailers have the opportunity in 2026 to give customers a safer, smoother experience at a time when consumers’ trust is harder than ever to earn. Fraud is evolving, and digital identity is becoming part of everyday life. The retailers who start upgrading verification and embrace using AI to spot what the human eye can’t will be the ones that create safer experiences for their customers and stronger protection for their business.</p>
<div class="lb-trans"><p>在 2026 年，零售商有机会为客户提供更安全、更顺畅的体验，而此时消费者的信任比以往任何时候都更难获得。欺诈正在演变，数字身份正成为日常生活的一部分。那些开始升级验证并利用人工智能发现人眼无法察觉的内容的零售商，将为客户创造更安全的体验，并为他们的业务提供更强的保护。</p>
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</div><p><em>Jimmy Roussel is a tried-and-tested growth expert specializing in accelerating the expansion of technology companies across the U.S. At</em> <em>IDScan.net</em> <em>, he plays a vital role in continuing IDScan.net’s best-in-class identity verification solutions, servicing businesses across the U.S. to increase their anti-fraud measures to protect revenue and increase customer safety.</em></p>
<div class="lb-trans"><p><em>Jimmy Roussel 是一位经过验证的增长专家，专注于加速技术公司在美国的扩展。在</em> <em>IDScan.net</em> <em>，他在继续提供 IDScan.net 一流的身份验证解决方案中发挥着重要作用，为美国的企业提供服务，以增强其反欺诈措施，保护收入并提高客户安全性。</em></p>
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2026 年将如何重新定义零售行业的身份验证