The growth of online banking is leading a revolution in the financial services industry. However, even as banks are enhancing the user experience, cybercriminals are taking advantage of new pathways to customer accounts, leveraging cross-channel fraud to access them. The key defense for financial institutions has been antifraud risk engines, yet many such deployments are too narrowly focused and thus unable to protect customers. Banks are upgrading antifraud technologies to combat cross-channel fraud, but the challenges are many, requiring institutional collaboration as well as migration to new antifraud engines. This brief looks at key trends that will likely change the way banks detect and respond to fraud.