FNA explores the paradox of financial inclusion, where real-time payment systems empower millions but also create vulnerabilities for first-time digital users, necessitating national-level fraud utilities to protect consumer trust and economic progress.

This article details the strategic shift from traditional, episodic Real-Time Gross Settlement (RTGS) simulations to dynamic, always-on digital twins, which integrate real-time transactional data to continuously guide policy, optimize liquidity, and strengthen the resilience of financial market infrastructures.

This article explores the critical role of AI in national fraud portals and outlines FNA’s commitment to ethical principles—explainability, continuous feedback, privacy, and structured oversight—to ensure transparent and responsible scam detection across financial ecosystems.

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 and Proto have partnered to equip financial authorities with an end-to-end fraud recovery solution, combining multilingual AI reporting assistants with real-time transaction analytics to rapidly trace stolen funds and protect vulnerable consumers.

Jeremie advocates for a paradigm shift in treasury management, utilizing network analytics to visualize and manage liquidity not as isolated, static balances, but as a dynamic, interconnected system of flows and structural dependencies.

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.

In November 2024, FNA was awarded a substantial grant ($2.9m) by the Gates Foundation to support FNA in developing a “Fraud Portal as a Service” solution running on the cloud, as well as full implementation of the FNA Fraud Portal in one of its priority jurisdictions

The BIS Innovation Hub has provided a key forum for exchange at a recent event in London. FNA’s solution tackling the problem statement “How can privacy technology be used to support public and private institutions to share data and intelligence; and collaborate while preserving user privacy?” was shortlisted

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.

An executive recap of key financial trends in Asia, highlighting regional progress in fraud prevention, the surge in offshore Renminbi business, and the modernization of national payments infrastructure.

FNA’s “Money Trails” wins the 2025 Central Banking Award for revolutionizing fraud recovery in Malaysia, increasing frozen funds from 0.5% to 30% through real-time, graph-based tracing.

FNA partners with RUSI and FFIS on a landmark policy paper advocating for enhanced private-sector data sharing to modernize the global fight against economic crime.

This article explores the shift from static to dynamic liquidity oversight following 2025 ECB guidance, highlighting how FNA’s ILO platform replaces outdated "throttling" with intelligent, real-time payment resequencing.

FNA and CLS leverage Digital Twin technology to quantify the critical trade-off between increasing FX settlement frequency and maintaining the multilateral netting efficiency that saves the industry trillions in daily liquidity.

FNA CEO Dr. Kimmo Soramäki joins The RegTech Association as an Ambassador, cementing a strategic partnership dedicated to accelerating global RegTech innovation and financial safety.

FNA marks a major milestone with the launch of FNA GCC Ltd in Abu Dhabi Global Markets (ADGM), strengthening its commitment to the region's financial safety and efficiency. This new entity acts as a strategic bridge between FNA’s London headquarters and the Asia-Pacific, fostering deeper collaboration with partners like the ADGM Academy.

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.

NA’s Carlos Leon analyzes how the ban on CBDCs under the Trump administration shifts the focus toward private-sector innovation—specifically stablecoins and blockchain—to maintain the dollar’s global dominance

From launching Malaysia’s National Fraud Portal to achieving 30% liquidity savings for global banks, FNA reflects on a landmark 2024 dedicated to financial safety, efficiency, and innovation