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.

FNA utilizes Graph Machine Learning instead of Federated Learning for real-time payment fraud detection because centrally analyzing hashed, multi-bank data reveals coordinated illicit networks and significantly increases predictive performance.

FNA has joined the Mojaloop Foundation’s Global Partner Program to integrate advanced AI-driven Fraud Portals into inclusive instant payment systems (IIPS). This partnership ensures that global initiatives designed to accelerate financial inclusion are simultaneously secured against the rising threat of payment fraud and scams.

FNA President, Phillip Straley joined Payment Canada’s Summit Series: Shaping the Future of Fraud in Real-time Payments, which explored practical approaches, technological solutions and lessons learned to effectively manage fraud in the era of real-time payments.

FNA’s Phillip Straley explores the shift from manual payment throttling to automated liquidity optimization and real-time risk control in an evolving regulatory landscape.

FNA explores how its Intelligent Liquidity Optimization (ILO) solution acts as the ‘Lean Six Sigma of payments,’ applying principles of waste reduction and data-driven efficiency to revolutionize intraday liquidity management.