The attached image was presented to me, but I'm confused about the risks of ad-fraud to organizations like banks. Usually, the advertisement budgets are invested only in "trusted" sources like Google that probably use very good anti-bot algorithms and of course on-site ads.

Diagram ranking ad fraud as "easy" on "Effort and risk" and "high" on "payout potential".

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    I'm a little confused at how low the payout potential is for identity theft... given some other strange placement for various activities on that diagram, I'd be skeptical at trusting it regarding the risk of ad fraud. – forest Sep 10 '18 at 6:56

Ad Fraud in Wikipedia

Banks pay for clicks on ads. If they advertise and pay for ad clicks that is not real, they basically lose money and the attacker benefits.

That's why it's effort and risk is low, and their payout potential is high.

Anti-bot algorithms can't be perfect. Google was sued multiple times for click fraud.

https://adwordsclassaction.com/ https://dockets.justia.com/docket/california/candce/5:2014cv02329/277540 https://www.theregister.co.uk/2017/12/13/google_click_fraud_lawsuit/

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    This doesn't really address the question. You answer treats banks like any other ad buyer, and doesn't specifically address unique concerns than banks might have. – Xander Sep 10 '18 at 6:59

I think we're missing a bit of context here, but it is possible it is included here simply because as banks are involved in payments, they may involuntarily become involved in fraudulent behaviour.

As you say, Google and others have a lot of tools they use to combat fraud. One of those tools is checking if a new ad-displaying site/user is not the same as one who was already caught red handed, for instance by checking the bank account used. This means fraudsters will try to open new accounts, possibly using various forged or stolen identities.

They may also open an account, get a payment, move it away as quickly as possible, and the bank may end up a bit later with the ad network trying to reclaim the money.

Another risk is people using ad networks to distribute malware, which may include keyloggers, phishing pages, and other things that have an effect on access to online banking, payment pages, etc.

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