The holiday season should be about joy and generosity, not scams and stolen identities. Yet in 2024, the value of ecommerce fraud was $44.3 billion, and, according to studies, it could more than double to$107 billion by 2029, fueled in part by AI-driven schemes. In 2023, losses were estimated at $48 billion. Behind those numbers are real people. These numbers are more than statistics; they represent real people being targeted. Last holiday season, 82 percent of U.S. adults experienced some form of fraud, from counterfeit goods and fake ads to delivery-text scams and phishing attacks. Meanwhile, apps like Venmo, Cash App, and Zelle are increasingly popular but harder to secure, and the FBI reports show that cybercrime losses reached $12.5 billion heading into the 2023 holiday season. The ha

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