Observed Signal · Aug 1, 2026 · Report · Source: Retail-News · Impact: 3/5 · Sentiment: Negative
Report: Trojans and Online Fraud Surge in Germany
The Gen Threat Report H1 2026 shows a marked increase in cybercrime in Germany, with attackers shifting from classic malware to deception that exploits trusted platforms and processes. The report documents large percentage increases in droppers (+160%), trojans (+145%), and online-shop fraud (+134%), plus rises in remote access trojans (+69%) and phishing (+47%). Germany saw 2.3 million tech-support-fraud attacks blocked in the first half of 2026 (third highest globally). Globally, analysts blocked over 114 million fake-shop attacks and observed rising web-skimming, identity fraud, tracking attempts and misuse of AI agents as an emerging attack surface.
Significant increases in malware, fraud and misuse of AI agents affect e-commerce, payment security and consumer trust—relevant to retailers, payment providers and digital platforms.
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Key Takeaways & Evidence Grounding
- Gen Threat Report H1 2026 finds cybercrime in Germany increased significantly in the first half of 2026.
- Use of droppers rose by 160%; trojans increased by 145%; online-shop related fraud rose by 134%.
- Remote access trojans rose 69% and phishing attacks rose 47% in the period reported.
- Germany had 2.3 million tech-support-fraud attacks blocked in H1 2026, the third-highest worldwide.
- Worldwide over 114 million fake-shop attacks were blocked, and analysts recorded mass tracking attempts and web-skimming increases.
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Related Market Signals & Shifts
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Survey: Nearly All German Online Retailers Victim of Fraud
A recent survey by the German E-Commerce and Distance Selling Trade Association (bevh) and CRIF reveals that 93% of German online retailers have experienced fraud or attempted fraud. The survey of nearly 80 online shops shows that 48% of retailers saw an increase in fraud activity over the past year. The most common fraud types include identity theft (75%), manipulated address data (67%), and completely fabricated identities (55%). Account takeover (56%), return fraud (47%), and unauthorized card use (40%) are also significant. Financial losses vary, with 45% of retailers reporting annual damages between €10,001 and €100,000, and 14% losing more than €100,000 annually. While 75% of retailers have implemented fraud prevention measures, many struggle with balancing security and customer experience. The report highlights that AI is expected to worsen fraud, leading to synthetic identities and automated attacks.
One in Nine German Internet Users Hit by Cybercrime
A representative survey published in the Cybersicherheitsmonitor 2026 by the German Federal Office for Information Security (BSI) and the Police Crime Prevention authority (ProPK) finds that 11% of internet users in Germany were victims of cybercrime in the past year and 27% have experienced digital crime in their lifetime. The study, based on interviews with 3,060 people in January 2026, reports online-shopping fraud (22%), unauthorized account access (14%), online-banking fraud (13%) and phishing (12%) as the most common offenses. Nearly 88% of victims suffered harm, with 33% reporting financial losses and many reporting reduced trust in online services. The survey also highlights limited proactive security behaviour: 55% perceive their personal risk as low, only 14% regularly inform themselves about cybersecurity, and use rates for protective measures like strong passwords (46%) and antivirus software (40%) remain suboptimal. BSI and ProPK call for simpler, more secure products from industry.
Account Fraud and Phishing Surge in 2025
A t3n report highlights a marked rise in account- and card-related fraud, driven by phishing and smishing attacks that increasingly use AI to personalize messages. Germany’s police statistics (PKS) recorded about 96,400 cases around accounts and payment cards in 2025, a ~5% increase year-on-year, and total losses reached roughly €2.25 billion (up ~65%). Detection and prosecution rates remain low: only about 20% of cases overall led to suspects being identified, and cases likely originating abroad had an investigation rate of just 1.4%. Consumer advocates say banks often refuse reimbursements by alleging gross negligence; the Verbraucherzentrale Bundesverband (vzbv) reported a 54% rise in cybercrime complaints related to financial services. Authorities warn the true number of incidents is much higher because many victims do not file reports.
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