News & Commentary

FNA's Adam Csabay reflects on South Africa's cross-sector fraud intelligence movement and why collaboration is now the frontline of financial crime prevention

FNA sponsors FFIS research surveying 37 global anti-fraud platforms. Explore collaborative analytics, fraud intelligence sharing, and cross-border cooperation frameworks.

On the back of a Point Zero roundtable discussion, Kimmo Soramäki explains why the first users of agentic payments will be simulated agents—and how AI-driven digital twins are transforming intraday liquidity management in RTGS systems.

AI assistants in commercial bank treasury functions often provide inaccurate insights because they rely on fragmented, outdated end-of-day reports rather than real-time data. FNA’s Intelligent Liquidity Optimization (ILO) Model Context Protocol securely connects AI models directly to live, intraday liquidity data without requiring massive core system overhauls.

Compliance is a baseline, but true resilience requires treating CCP clearing as a dynamic funding pillar rather than static plumbing. This article explores why unifying margin logic with intraday liquidity models is the only way to bridge the structural gaps that market stress inevitably exposes.

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.

The implementation of the EU’s Article 75 mandates a crucial shift from siloed reporting to real-time, cross-border information sharing, enabling financial institutions to intercept scams at the speed of modern payment networks. By overcoming governance hurdles and adopting collaborative network intelligence, the industry can proactively expose mule accounts, dramatically increase fund recovery rates, and dismantle the economic viability of financial crime.

Reflecting on a recent summit in Vienna, FNA's Adam Csabay emphasizes the industry's critical shift from siloed fraud prevention to a collaborative, systemic approach against organized financial crime. The dispatch highlights the practical deployment of AI and the urgent need to secure fast payment infrastructures through cross-sector intelligence sharing.

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.

At the 29th Regional Meeting of the Financial Stability Group, FNA advocated for redefining Supervisory Technology (Suptech) from a mere support tool to an essential Digital Public Infrastructure (DPI). By adopting infrastructure-grade standards and leveraging AI-driven analytics, financial authorities can better anticipate disruptions, guide innovation, and proactively safeguard systemic stability.

The weekend geopolitical shocks of early 2026 exposed severe vulnerabilities in legacy financial systems, highlighting the stark contrast between paralyzed traditional markets and continuously operating tokenized assets. To survive this always-on liquidity landscape, institutions must evolve beyond reactive, visibility-only monitoring and adopt autonomous, multi-rail optimization strategies.

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.

Reflecting on recent industry engagements in the UAE, FNA's Adam Csabay highlights the region's shift toward practical AI applications to combat financial crime and safeguard fast payment systems. The letter underscores the importance of cross-border collaboration and digital transformation in building a safer, more efficient global financial ecosystem.

The integration of digital assets like stablecoins and tokenised deposits has transformed liquidity management from a predictable, single-system process into a fragmented, 24/7 multi-rail challenge. To navigate the unique operational and timing risks of this new financial frontier, treasury teams must move beyond legacy batch systems and adopt real-time intelligence architectures.

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.

This article argues for reclassifying Supervisory Technology (Suptech) from simple support tools to Digital Public Infrastructure (DPI), positioning it as a foundational system essential for safeguarding financial stability in a digitized economy.