# EY Canada’s Loyalty Fraud Report Found to Be AI-Generated with Fake Footnotes

_May 16 14:16_

Tags: Ernst & Young (EY), Canada, credit card, industry news

Ernst & Young Canada released a report on loyalty system fraud that was later found to be largely AI-generated, containing broken links, fake sources, and inconsistent data

## Summary

Ernst & Young (EY) Canada published a report titled “Points of Attack: Uncovering Cyber Threats and Fraud in Loyalty Systems.” Subsequent analysis by GPTZero and reporting by the Financial Times revealed the report was heavily AI-generated and contained significant errors:
- More than half of the footnotes directed to non-existent web pages or pages that did not contain the cited information.
- The report cited sources that did not exist.
- Data was inconsistent, such as estimating the loyalty scheme market size at $200bn while also stating the number of unclaimed points was exactly $200bn.
- The report lacked traditional academic citations, relying instead on a resources table with broken or fake URLs. This highlights a growing concern about the use of AI in professional consulting deliverables within the loyalty and travel industry

## Why it matters

Card-issuer angle via Ernst & Young (EY).

## Sources cited

- [LoyaltyLobby](https://loyaltylobby.com/2026/05/16/ernst-young-publishes-loyalty-program-study-full-of-fake-footnotes-sources-ai-slop?omhide=true) — Ernst & Young Publishes Loyalty Program Study Full Of Fake Footnotes/Sources & AI Slop

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