While traditional law enforcement focuses on prosecuting criminals, victims of APP fraud prioritize one thing: getting their money back. This article argues that saving those funds requires a fundamental shift toward real-time, cross-institutional infrastructure that operates at the speed of the payment itself.

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.

The shift to instant payments has accelerated complex, cross-bank fraud that siloed bank data cannot detect. By establishing national data-sharing hubs and deploying advanced network analytics, authorities and banks can trace illicit money trails in real time and intercept scams before funds are lost.