At FTT Lending we had the opportunity to speak with Martin Rehak, CEO, Resistant AI, about one of the pressing challenges in lending today: the rapid rise of AI-driven fraud.

As lending becomes faster and more automated, criminal tactics are evolving at the same pace. Martin shared the key issue is not speed itself, but the lack of transparency.

“There is no quality without transparency and fairness,” he explains. For lenders, this means building systems that are not only efficient, but also explainable. Without a clear understanding of how decisions are made, it becomes difficult to adapt, improve, or respond to new and emerging fraud patterns.

Fraud is now more professional, more automated, and more specialised. Organised networks are producing high quality fake documents, exploiting systems at scale, and offering fraud services to others. A single vulnerability can be identified and used repeatedly within a very short timeframe.

At the same time, AI-generated forgeries are becoming harder to detect, making manual verification far less reliable. As Martin highlights, the industry may soon face a reality where fraudulent applications outnumber genuine ones. This shift will require lenders to rethink how they identify and protect legitimate customers.

In this environment, combining speed with transparency and control is no longer optional. It is essential.

To hear more from Martin Rehák, watch the full interview.