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.

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.