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.

UK Finance partnered with FNA to optimize liquidity and reduce operational risks within the £360 billion-per-day CHAPS payment system. By leveraging FNA’s simulation technology and Bipartite Payment Reduction (BPR) algorithm, they successfully modeled a pre-open netting cycle to compress early payment obligations.