Synthetic identities — part real, part fake — are enabling fraudsters to slip past outdated checks and exploit banks at scale. With synthetic identity fraud in Asia Pacific surging by over 180% in the past year, Singapore’s fast‑growing digital banking sector faces a pressing question: how can institutions build trust and defend against these increasingly sophisticated threats? Reinhard Hochrieser, SVP of Product & Technology at Jumio, shares insights into the rise of synthetic identity fraud in Asia, how groups like Grey Nickel operate, and what banks can do to strengthen trust in a digital-first world.