Financial education alone can't stop scams. Dr Amanah Ramadiah on why tracing stolen money across banks in minutes, not days, is where losses actually fall.

Identity, escrow, recourse, and reputation are the oldest instruments in commerce. We do not have to invent trust for the agentic economy — we have to re-issue it

FNA and Proto have introduced a unified national utility designed to bridge the critical gap between initial fraud reporting and real-time fund recovery. By integrating AI-driven consumer engagement with cross-institution tracing, this solution provides a seamless, end-to-end response to the global rise in digital scams