Everything we know about insuring fraud loss
78 pieces across 9 formats — research, customer results, recorded sessions, and the announcements that built the category. Filter by format and topic.
Self-Insured by Default
Banks carry identity fraud loss inside credit capital, the allowance and earnings without ever deciding to. Now that the risk is insurable, retaining it by default is a governance gap.
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When Verification Can't Be Trusted
Deepfakes, camera injection and AI-built synthetic identities are passing KYC. Detection keeps improving but never reaches zero, so the residual identity loss has to be underwritten.
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After Synapse: Who Owns the Loss?
More than 100,000 people lost access to their money when Synapse collapsed. For sponsor banks the lesson reaches past ledgers: in BaaS, nobody knows who owns a loss until something breaks.
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Why Your Fraud Losses Don't Show Up in Charge-Offs
Most credit unions understate fraud loss because first-party fraud books as credit loss. Why the gap exists, how big it really is, and how to close it.
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Growing Digital Lending Without Growing Fraud Drag
The false-decline cost is usually larger than the fraud it prevents. How covering the residual tail changes the threshold calculation for lending teams.
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What Fraud Loss Insurance Actually Is
Fraud tooling scores risk; none of it carries the loss. What fraud loss insurance covers, how the structure works, and why the paper behind it matters.
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Turning a Volatile Write-Off Into a Fixed Premium
For a CFO the problem is variance, not magnitude. How risk transfer converts an unpriceable range into a budgeted line item — and the measurement prerequisite.
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When Fraud Loss Hides in the Loan Book
A $2.5B credit union spent a year trying to answer one question: how much are we actually losing to fraud? An evaluation profile.
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How a $2.5B credit union found identity fraud draining the co-funded reserve that gated its digital lending growth, and what the numbers say it should have done.
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The New Math of Fraud Prevention: The ROI of Risk Transfer
A worked example of the return on risk transfer: why insuring identity fraud losses can outperform spending more on prevention alone.
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The Risks and Rewards Conversation at Fintech Meetup
Identity fraud insurance wasn't on most people's radar at Fintech Meetup. Here's how that conversation changed once it was.
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Fraud as a Financial Risk, Not an Operational Failure
Identity fraud loss is a financial risk, not just operational. See how fraud loss risk transfer helps institutions manage capital and grow with confidence.
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The Missing Piece in Fraud Strategy: Why Prevention Alone Isn’t Enough
Fraud prevention can't stop every loss. Identity fraud loss insurance moves residual losses off your balance sheet and frees up capital.
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AI Lending Risk in Automated Credit Decisions
AI lending risk is rising as automated credit decisions scale. Learn how explainability, ECOA transparency, and governance affect compliance.
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Instnt and Markiii Launch Industry’s First “Double-Indemnity” Solution
Instnt and Markiii launch the first double-indemnity solution, pairing fraud prevention with insured loss recovery.
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Regulatory Capital Rules for Fraud Loss Insurance
How regulatory capital rules treat fraud loss insurance, and what it means for CECL provisioning and Tier-1 capital.
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Our Journey to Make Fraud Losses Insurable.
Fraud may be inevitable, but financial uncertainty isn’t. See how Instnt makes identity fraud loss insurance possible.
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Fraud as an Insurable Risk: A New Model for Capital-Efficient Growth
Instnt's identity fraud loss insurance makes fraud an insurable risk for financial institutions. Learn how.
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Identity Fraud in Digital Onboarding: The Growing Risk
Identity fraud in digital onboarding is growing. Where the risk concentrates, and what actually reduces it.
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Identity Fraud Loss Insurance: Freeing Up Tier-1 Capital
Fraud loss insurance shifts liability to insurers, easing Basel III reserves and freeing Tier-1 capital.
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Complete Guide to Insured Fraud Protection
A practical guide to insured fraud protection: what it covers, how claims work, and where it sits alongside prevention.
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Fraud Loss Insurance: Problem and Solution
Traditional policies leave fraud loss uncovered. Here is the gap, and how fraud loss insurance closes it.
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Why Identity Fraud Loss Insurance Matters In a World Where Fraud Is Inevitable
Fraud is inevitable; the loss does not have to be. Why identity fraud loss insurance matters now.
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PayPal formally applies for U.S. bank charter
PayPal has applied for a Utah bank charter to expand lending and offer FDIC-insured deposit products.
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Fraud Loss Insurance and Multi-Factor Authentication
How phishing-resistant MFA lowers account-takeover risk, and what that means for fraud loss cover and premiums.
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Instnt Named Finalist for 2025 CU Times Luminaries Awards
Instnt is a finalist for the 2025 CU Times Luminaries Awards. Learn how we help manage identity-fraud risk effectively.
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Instnt Wins Newsweek AI Impact Awards 2025
Explore Instnt's recognition in the Newsweek AI Impact Awards for revolutionizing fraud prevention with AI technology.
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Changing The Economics Of Fraud With Fraud Loss Insurance
Learn about Fraud Loss Insurance and how it can protect financial institutions from rising identity fraud costs.
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How Insurance Can Reduce Revenue Volatility in Lending
Fraud loss insurance acts as a safety net, allowing lenders to manage risk confidently and enhance cash flow.
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Insuring Fraud at Signup: Sunil Madhu on AI Underwriting
Instnt's CEO joins the Financial Forward podcast to discuss how Instnt’s AI underwriting enables fast approvals and claims processing.
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What is Identity Fraud Loss Insurance?
Discover how fraud loss insurance protects your business by covering identity fraud losses and shifting financial risk off your balance sheet.
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Why Policy Makers Must Act on Identity Fraud
Learn how Identity Fraud Insurance can protect institutions and consumers from the inevitable losses caused by fraud.
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Identity Week Conference - Washington D.C.
We’ll be at Identity Week 2025 in Washington, D.C. this September, and we’re inviting our network to attend with a complimentary guest pass! No matter how…
Event details
Instnt Partners with Munich Re
Instnt Partners with Munich Re to to expand reinsurance capacity for its innovative Fraud Loss Insurance product.
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Why Credit Unions Need Embedded Fraud Protection
Discover why credit unions need embedded fraud protection to stay competitive and safeguard members in 2025.
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Embedded Fraud Insurance: The Next Big Thing for Fintechs & Marketplaces
Explore Embedded Fraud Insurance: the next big thing for fintechs and marketplaces in securing digital transactions.
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AI Can Spot Fraud, But What About the Loss?
Explore how to combine the power of AI and fraud loss insurance to protect your business from evolving cyber threats.
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Accredited, Howden and Global Reinsurers Leverage Instnt’s AI
Instnt turns fraud into an insurable, fixed risk, enabling businesses to reduce losses, boost approvals, and protect revenue.
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3 Common Challenges in Digital Onboarding
Explore digital onboarding challenges and learn how to create a seamless and inclusive onboarding experience for every customer.
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Beyond Credit Defaults: Instnt Makes Lenders Fraud Proof
Instnt makes lenders fraud-proof with AI-driven identity checks and insurance-backed fraud protection to eliminate loss risk.
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Money 20/20
Instnt attends Money20/20, the world’s leading fintech event where innovators in payments, banking, and digital finance gather.
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Finovate Fall
Join Instnt at Finovate Fall to explore how Instnt drives innovation in banking, fintech, and digital identity solutions.
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Reducing the Friction in Bank Customer Onboarding
Sunil Madhu and Jennifer Pitt on reducing friction in bank customer onboarding without widening fraud exposure.
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Outsmarting First-Party Fraud with a More Proactive Solution
Understand first party fraud and its impact on financial institutions and customers in the face of rising cyberattacks.
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Verified Digital Identities Will Revolutionize Consumer Lending
How verified digital identities reduce fraud and widen access in consumer lending.
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Finovate Spring
Isntnt attended Finovate Spring to discuss how it's driving innovation in banking, fintech, and digital identity solutions.
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Reducing the Friction in Bank Customer Onboarding
Reduce friction in bank onboarding with Instnt’s identity verification and fraud protection for a smoother, safer customer setup.
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Why Credential Revocation Is Essential In Decentralized Identity
Explore why credential revocation is essential in decentralized identity for maintaining digital integrity and user control.
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Improving Fraud Detection and Identity Verification
Integrated risk management strengthens fraud detection for financial firms — improving protection, compliance, and operational resilience.
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Bank Automation Summit
Instnt shares how it's driving fraud prevention and secure onboarding innovation at the Bank Automation Summit.
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“A New Way To KYC” – Instnt's CEO in ‘The Fintech Magazine’
A practical guide to help small businesses and startups improve customer acceptance through better onboarding and trust-focused tactics.
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Fintech Meetup
Instnt attended Fintech Meetup to discuss how AI-driven identity and fraud solutions help businesses grow securely.
Event detailsOutsmarting First-Party Fraud with a More Proactive Solution
Outsmarting first-party fraud with a proactive approach — on detection, liability, and recovery.
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Getting the Right Customers and Reducing Fraud Losses
Instnt CEO speaking with FF News on how Instnt helps businesses attract the right customers and cut fraud losses.
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The Future is Here: Exploring the Single-Click Authentication
Explore the future of authentication with Instnt’s single-click solution for secure, seamless identity verification and fraud prevention.
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Instnt's Fintech Panel
Listen to Instnt's fintech panel - Universal Identity with Liability Shift: Navigating the Future of Governance & Security
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Instnt Launches Multipass
Instnt Launches Multipass, a revolutionary identity solution for easier customer access without passwords or multi-factor authentication.
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Verified Digital Identities Will Revolutionize Consumer Lending
Verified digital identities reduce fraud, speed onboarding, and expand credit access to transform modern consumer lending.
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Sunil Madhu FF News Conversation
Instnt's founder & CEO sits down with FF News for a conversation on how Instnt is disrupting identity verification and fraud-risk prevention.
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dojo.live: Arbitraging and Securitizing Fraud Risk in the Market
Instnt CEO, Sunil Madhu joins dojo.live to discuss how today’s businesses manage fraud and compliance risks.
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Instnt Joins Hyperledger Foundation
Instnt joins Hyperledger Foundation to enhance blockchain adoption and improve customer acceptance with AI-driven solutions.
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Instnt Launches Instnt Access: The First Portable One-Click KYC
Instnt Access delivers a portable, one-click KYC solution to streamline customer identity verification and speed up onboarding for businesses.
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Instnt Launches Instnt Access
Announcing Instnt Access, a powerful identity verification and fraud-prevention solution designed to help businesses reduce risk.
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Finovate Fall 2022
See how Instnt’s innovations were featured at FinovateFall 2022, including advanced digital onboarding and identity verification solutions.
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Why Digital Onboarding Matters
Digital identity verification and streamlined onboarding can reduce fraud, cut costs, and speed up customer acquisition for businesses.
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Benefits of Managed Onboarding Services
Discover the benefits of managed onboarding services — from faster customer activation and lower costs to improved security and compliance.
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How To Implement Digital Onboarding
Learn how to implement digital onboarding with Instnt — streamline identity verification, speed up onboarding, and reduce fraud risk.
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Industry Disruption
Explore how fintech disruption is reshaping financial services — from digital banking to AI-driven identity and fraud solutions.
ListenFraudsters Know How and When to Play
Learn how fraudsters pick the right moment — and how Instnt’s AI-driven identity and fraud defenses help you stay one step ahead.
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Fintechs Might Be Nimble, but Credit Unions Have an Opportunity
Credit unions should embrace fintech. Explore how Instnt helps CUs modernize banking, reduce fraud risk, and unlock new growth opportunities
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Fraud as the New Normal
Fraud is the new normal. Learn how Instnt’s AI and fraud-loss insurance help businesses reduce risk and protect revenue.
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Optimize Onboarding with Smarter ID Verification
Boost sign-ups and revenue with smarter identity verification — learn how optimized onboarding can drive conversions and improve user trust.
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Maximizing Security and Compliance in Digital Onboarding
Ensure strong security and regulatory compliance during digital onboarding with best-practice strategies and risk mitigation.
WatchGartner Identity Acces Management Digital 2021
Insights from the 2021 Gartner Identity & Access Management Report regarding strengthening security, access control, and fraud prevention.
WatchFinovateWest 2020
Explore Instnt’s presentation at FinovateWest 2020, highlighting breakthroughs in digital onboarding and fraud-prevention technology.
WatchThe Transformation of Digital Customer Onboarding
Customer onboarding has evolved post-pandemic, seamless digital onboarding with secure identity verification matters more than ever.
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Lendit Fintech 2020
Read about LendIt Fintech 2020 and how Instnt participates in shaping the future of digital lending, banking innovation, and fintech trends.
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FinovateFall 2019
Explore Instnt’s showcase at FinovateFall 2019, highlighting breakthrough digital onboarding and fraud-prevention innovations.
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