#25: Anti-Scam Centres – Proto & FNA at the G20 TechSprint

14 Oct

22nd October 2025

With:

| Curtis Matlock (Proto)

| Kimmo Soramäki (FNA)

In Session #25, Curtis Matlock (CEO, Proto) and Dr. Kimmo Soramäki (Founder & CEO, FNA) join host Amanah Ramadiah to showcase their joint Anti-Scam Centre platform. This integrated solution—which went on to win the 2025 G20 TechSprint for fraud mitigation—addresses the $1 trillion global scam epidemic by closing the critical gap between a victim's report and the freezing of stolen funds.

The platform combines Proto’s multilingual AI infrastructure, which allows victims to report scams in local languages (like Tagalog or Cebuano) via WhatsApp and SMS, with FNA’s Money Trails. The latter is a high-speed analytics engine that traces illicit flows across multiple banks and mule accounts in under 10 seconds. This session demonstrates how these technologies are already delivering "Trust at Speed" in Malaysia and the Philippines, turning hours of manual investigation into minutes of automated action.

Key Discussion Points:

The G20 TechSprint Winning Model: An inside look at the "Trust at Speed" submission that beat out 165 global competitors to win the BIS-SARB innovation challenge.
Inclusive Reporting: How Proto uses "Managed Empathy" and localized AI to lower the barriers for vulnerable or first-time digital finance users to report fraud.
Money Trails in Action: Demonstrating how FNA traces funds through complex mule networks across different payment rails in seconds, not days.
The 24-Hour Window: Why capturing reports immediately is the only way to recover funds before they are withdrawn as cash or converted to crypto.
Malaysia’s Success: A case study of the National Fraud Portal, which reduced investigation times by 75% and enabled a 4x increase in fund freezing rates.
Cross-Agency Collaboration: How a shared digital utility connects citizens, commercial banks, and regulators in a single secure operational environment.