"I think it's half-and-half. We can protect against certain scenarios now, but there are certain ones we can't protect well against at all," Sherstobitoff said. Even so, Bartlett said a new generation of anti-fraud tools on the horizon could help bolster companies' defenses. "It's been a lot of back and forth between vendors and the bad guys," he said. "But I've recently seen a lot of products in beta that should leapfrog and keep vendors ahead in the arms race."