BASINGSTOKE, United Kingdom, Jan. 26, 2026today released its new Fraud & Security Tech Horizon; spotlighting three technologies that are expected to have the most significant impact in the fraud and security space over the next 12 months.
These are:
- Civic Identity Apps
- Tokenisation
- Artificial Intelligence (AI) in Fraud & Security
The Tech Horizon offers a visual assessment of 15 fraud and security technologies; ranking them as either 'Above the Line' (strongly performing) or 'Below the Line' (underperforming) in relation to market expectations. This gives operators and vendors a clear, data-driven view of which innovations are delivering value, and which are falling short.
Top Three Movers in Fraud & Security
- Civic Identity Apps: By streamlining onboarding and enhancing user control, civic identity apps will revolutionise the way citizens store, manage, and share government-issued digital identities; becoming an established technology over the next 12 months.
- Tokenisation: Operating at scale in mature markets, different types of tokenisation will drive efficiency gains by increasing settlement speeds and reducing costs; principally through reducing PCI compliance burdens and fraud.
- AI in Fraud & Security: Although categorised in the 'Later-stage Growth' category, AI will continue to spearhead fraud security innovations through efficient automation, risk-based scoring and adaptive defences; minimising losses across the payments landscape.
"Civic identity apps are poised to experience sharp uptake over the next year. Following the success of apps like myID in Australia, regulations such as the EU's eIDAS2 will mandate standardised digital identity wallets by late 2026," said Thomas Wilson, Senior Research Analyst at Juniper Research. "Vendors must evaluate current KYC, onboarding, and authentication systems to ensure EU Digital Identity compatibility, or risk losing secure market access."
The Fraud & Security Tech Horizon provides a free evaluation of 15 fraud and security technologiesacross the fintech ecosystem; serving as an introduction to the comprehensive analysis and strategic insights offered through Juniper Research's Fraud & Security Subscription.
About Juniper Research
Juniper Research is a global tech strategist firm providing research, data, and forecasting across the fintech, telecoms, and IoT sectors. For over 20 years, Juniper Research has delivered actionable insights that help industry leaders navigate disruption, seize opportunities, and make confident strategic decisions. www.juniperresearch.com
Press Contact
Sam Smith, Press Relations
sam.smith@juniperresearch.com
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