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.

With social media now the primary hunting ground for fraudsters, new regulations like the Digital Services Act offer National Anti-Scam Utilities the authority to execute priority takedowns and disrupt scam campaigns before funds are lost.

FNA and Proto’s "Trust at Speed" solution wins the 2025 G20 TechSprint, offering a national utility that combines multilingual AI reporting with real-time fund tracing to dismantle industrial-scale scams.

FNA explores why the "speed of progress" must be matched by the "speed of protection," calling for national anti-scam infrastructures to safeguard the economic gains of financial inclusion.

FNA’s National Fraud Portal (NFP) wins "Outstanding Overseas Initiative" at the 2025 TECAs, marking a global breakthrough in real-time fund tracing and multi-agency scam response.

FNA and Proto join forces for the G20 TechSprint 2025, presenting "Trust at Speed"—a national utility that integrates multilingual AI reporting with real-time graph analytics to close the "fraud response gap."

The recent crackdown on mule accounts in Thailand illustrates the delicate balance authorities must strike between aggressive fraud enforcement and maintaining public trust to prevent systemic liquidity risks and financial instability.

We reflect on the evolution of Suptech, predicting a shift toward a new supervisory paradigm where central authorities transition from periodic monitors to real-time systemic enablers through shared utilities, Digital Twins, and fused data intellig

As fraud outpaces traditional compliance, central banks are shifting toward unified national infrastructures that leverage AI and real-time tracing to proactively protect consumers and restore financial system integrity.

As fraud outpaces traditional compliance, central banks are shifting toward unified national infrastructures that leverage AI and real-time tracing to proactively protect consumers and restore financial system integrity.