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.

Discover how a National Anti-Scam Utility (NASU) leverages real-time fund tracing and financial network analytics to disrupt APP fraud. Learn why the NASU model is the new global standard for national fraud portals

At the Inclusive Fintech Forum in Rwanda, FNA's Kimmo Soramäki highlighted the critical challenge of securing booming real-time payment networks against escalating financial crime without sacrificing speed or financial inclusion. The panel emphasized that overcoming the limitations of siloed compliance requires a shift toward coordinated, network-wide intelligence and collaborative national anti-scam infrastructures.

As financial crime rapidly shifts from unauthorized breaches to Authorized Push Payment (APP) scams, traditional siloed transaction monitoring systems are failing to detect malicious networks. To counter the speed of real-time payments, the industry must transition to a collaborative, network-first approach leveraging Graph AI to trace mule clusters and create systemic immunity across the entire financial ecosystem.