Key considerations when developing a strong and customer-friendly approach to intelligent authentication. Bank fraud is on the rise. In fact, according to a recent survey of 43 major banks around the world, itís not just the number of fraud cases that is going up; so, too, is the value of fraud overall. In large part, this increase in fraud is the result of identity theft scams. Rather than attempting some sort of high-stakes virtual bank heist for all the gold in the vault, most online thieves seem content simply stealing money from every-day customerís accounts when they arenít looking.