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 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.

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.

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.