Apple's latest iOS 27 update includes a new feature called Identity Theft Risk Detection, part of a broader system called Trust Insights. Introduced during the Worldwide Developers Conference (WWDC) in June, this feature became available on September 14 for all iPhones starting with the iPhone 11 and the second-generation iPhone SE. The system aims to help users avoid falling victim to identity theft, particularly in situations where someone might be tricked into authorizing a fraudulent transaction, such as when a fake advisor asks them to transfer money. The Identity Theft Risk Detection system does not listen to calls, read messages, or access personal data like photos. Instead, it uses metadata — such as the timing and sequence of user actions, interaction patterns, and basic sensor data — to calculate a probability score. This score is sent to Apple's servers without including raw user data and is compared with signals related to the user's Apple account. The score is only accessed when an app requests it, and Apple has identified five main types of operations that the system can monitor: payments, account changes, use of expensive services, mass messaging, and a general "other" category. When an app attempts to perform one of these operations, it receives a risk level — unknown, medium, or high — based on the system's analysis. Depending on the result, the app may choose to show a warning, delay the action, or ask for further verification. iOS itself does not block any actions, and "unknown" simply means no suspicious activity has been detected. To enable the feature, users need to be on iOS 27 and navigate to Settings, then Privacy and Security, and toggle on Identity Theft Risk Detection. Once activated, there is no visible change on the device. The feature is designed to prevent fraudsters from tricking users into disabling the protection during a scam call. If a user tries to turn it off, there will be a delay before the change takes effect. This setting can be especially valuable for parents or grandparents who may need help configuring their phones. However, the system has limitations. Apple does not provide a list of compatible apps, and major French banks have not announced plans to integrate the feature. If a bank's app doesn't use the system, the feature is essentially useless for that specific app. Additionally, fraudsters could direct victims to a computer instead of using their iPhones, where the feature doesn't apply. While the feature is easy to activate and free to use, it can only be fully effective if banks and other key apps adopt it, a process whose speed remains uncertain.