Green doesn’t mean ‘go’ with the rise of all-green interaction fraud

As fraudsters become more adept at using artificial intelligence, the authors warn of a new threat to financial services organizations. Instead of using AI to forge flawless documents, attackers are now training systems to imitate legitimate customers’ activities to make fraudulent transactions. 

When the user logged into their account in early February 2026, the regional bank’s fraud-monitoring dashboard indicated it was a routine customer session.

The user logged in on a familiar device. The IP address matched the customer’s region. The behavioral biometric score, analyzing the user’s activity patterns, registered a 98.7% confidence match. Nothing unusual.

The user navigated to the transfer page. The cursor moved naturally across the screen, pausing briefly over account balances like they were reviewing recent transactions. The cursor hovered over the “Add Beneficiary” field. Perfectly normal.

The typing cadence matched the customer’s historical profile, including bursts of typing followed by brief pauses.

The cursor hesitated for two seconds before clicking the confirmation button. Seconds later, the user submitted a transfer request of $18,500 to a new beneficiary account.