Business impersonation is the hidden thread connecting old and new fraud. Discover how the same core tactic is fueling both a surge in commercial check fraud and an explosion of AI-powered online shopping scams targeting younger consumers. Tools like Positive Pay and 3D Secure authentication, while effective against the fraud they were built to stop, have pushed threat actors to evolve their schemes in ways that render those controls irrelevant. Ecosystem gaps are often the real vulnerability.