News & Commentary

Our MiCA review response in brief: common rules to make euro e-money tokens usable across providers, cross-provider fraud controls, and software mandates.

Our take on five themes from Jane Fraser's Sibos 2026 opening keynote: ISO 20022, AI agents, tokenisation, regulation, and new trade corridors.

Financial education alone can't stop scams. Dr Amanah Ramadiah on why tracing stolen money across banks in minutes, not days, is where losses actually fall.

Identity, escrow, recourse, and reputation are the oldest instruments in commerce. We do not have to invent trust for the agentic economy — we have to re-issue it

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AI assistants in commercial bank treasury functions often provide inaccurate insights because they rely on fragmented, outdated end-of-day reports rather than real-time data.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.