Small and medium-sized businesses are looking to their financial institutions to provide the technology they need to monitor payments fraud. In 2025, fraud, scams and ransomware cost small businesses roughly $131 billion, with 29% of that payments fraud, according to Public Private Strategies Institute’s Fraud, Scams, Ransomware: Small Businesses React report. The survey polled 506 U.S. small business owners from Dec. 19-29, 2025.