Turning Holiday Fraud Risk Into Trust, Loyalty, and Primacy
When we think about the holiday season, we often think of family, presents, hot chocolate, and a little extra joy. But for many consumers, the season also brings something not-so joyful—scams and identity theft.
Fraudsters know this is the loudest time of year online. Retail emails spike. Shipping alerts flood inboxes. Text messages look routine. It’s the perfect cover to slip a scam into the stream.
And with holiday shopping increasingly digital, the opportunity only grows. PwC’s 2025 Holiday Outlook found that 51% of consumers plan to complete their purchases through online marketplaces this season. That’s billions of transactions. billions of logins. And billions of chances for fraud to strike.
The Fraud Spike is Real, and the Impact is Personal
Financial institutions can’t stop every scam attempt. But the risk is too big to ignore. TransUnion reported that 4.6% of global e-commerce transactions were suspected digital fraud between Thanksgiving and Cyber Monday.
Identity fraud and scams now drive staggering losses. Javelin’s latest Identity Fraud Study found $47B in fraud and scam losses, affecting tens of millions of people. Behind every number is a person dealing with stress, uncertainty, and the exhausting work of recovery.
And that’s exactly why this matters to your institution.
Consumers Expect Their FI to Be the Fraud Expert
When fraud occurs, consumers often turn to their bank or credit union for answers. Studies have shown:
- 60% of consumers expect their bank/credit union to resolve identity fraud losses
- 38% of fraud victims close accounts after poor resolution
Consumers don’t just want sympathy. They want a partner. They want someone who can help them make sense of what happened and guide them through what comes next.
That’s why being fraud-forward is more than risk management. It’s relationship-building.
Fraud-Forward Institutions Deepen Trust and Grow Primacy
Fraud is a high-risk moment, but it can become a defining one.
When consumers see your institution as proactive, prepared, and genuinely on their side, trust deepens. And trust drives behavior. During holiday shopping, that means they’re most likely to:
- choose your card
- keep deposits with you
- open the next account with you
- stay loyal when competitors come calling
Being fraud-forward reinforces a simple feeling:
“My FI has my back.”
How to Become Your Consumer’s Go-To Fraud Partner
Trust doesn’t come from a single message. It comes from having the right tools in place before an incident happens — and a clear path forward when something looks off.
SavvyMoney helps you deliver that support inside your digital banking experience.
1. Detect Risk Early With Real-Time Credit Visibility
SavvyMoney’s Credit Score solution gives consumers:
- real-time credit alerts that flag suspicious activity the moment it appears
- easy access to full credit reports directly within your digital banking experience
That early visibility matters. When consumers can spot unexpected changes right away, they’re better equipped to act quickly — before a small issue turns into long-term damage. And because these tools live inside your branded digital banking platform, they stay connected to you for help and reassurance instead of searching elsewhere.
2. Help Consumers Respond Faster With Monitoring + Guidance
Detection is only the first step. What happens next defines the experience.
SavvyMoney keeps consumers engaged and informed with always-on credit monitoring and clear, easy-to-understand alerts so they know:
- what changed
- why it matters
- what to do next
This turns a stressful moment into a guided one. Consumers feel supported, not stranded — and your institution becomes the trusted partner they rely on when financial risk appears.
3. Keep Consumers in Your Experience When It Matters Most
Fraudsters count on confusion and delay. Your institution can counter that with clarity and access.
SavvyMoney ensures consumers can:
- review credit activity in real time
- understand risk signals quickly
- stay in your digital banking experience for trusted insight
That “stay-with-you” moment is powerful. It reduces panic, reinforces confidence, and strengthens the perception that your FI is proactive, prepared, and protecting what matters.
The Holiday Gift That Builds Loyalty
This season, your institution has a chance to offer one of the most meaningful gifts a consumer can receive: peace of mind.
SavvyMoney equips your FI to:
- protect consumers before fraud escalates
- provide real-time monitoring and alerts that drive smarter action
- reinforce trust at the exact moment it matters most
Because today, consumers don’t just want another financial provider.
They want a partner in their financial well-being — especially when things go wrong.
Happy Holidays,
The SavvyMoney Team
