Liminal Link Index Report: Friendly ACH Fraud in Banking

Dive deep into the evolving dynamics of friendly ACH fraud and how financial institutions and Fintechs are adapting in 2026.

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➡️ 4 key takeaways inside:

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Detection speed is critical
Delayed detection and manual review remain major operational constraints, accelerating demand for real-time analysis and automated response.

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Hybrid models are becoming the standard
Institutions are moving beyond rules-only approaches toward hybrid detection models that combine rules with AI/ML for better adaptability and accuracy.

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Fraud patterns are increasingly networked
Friendly ACH abuse often spans accounts, transactions, and counterparties, making isolated alerts insufficient for identifying coordinated behavior.

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Transparency matters as much as intelligence
As AI adoption grows, explainability and defensibility are emerging as core requirements for risk, compliance, and audit teams.

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Download the full report to learn more.

Unit21 enables risk and compliance teams to prevent friendly ACH fraud by detecting complex first-party abuse patterns across transactions, instruments, and entities—not just individual events.

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What makes Unit21 stand out?

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Liminal highlights Unit21’s ability to:

• Monitor sender and receiver behavior directionally
• Detect coordinated and multi-account abuse
• Capture sequential patterns common in friendly fraud (e.g., “A-then-B-then-C” activity)
• Identify fraud that traditional rules and static models miss