Real-Time Payments, Real-Time Fraud: Adapting Controls for a High-Velocity World

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Real-time payment systems have compressed transactions into seconds – and fraud into the same window. As instant settlement becomes standard infrastructure across APAC, the traditional safety nets of time delays and post-event recovery have disappeared. Fraudsters now compete on velocity, using authorised push payment (APP) scams and complex mule networks to disperse funds instantly, exploiting the very speed that defines the customer experience, forcing a difficult balancing act between convenience and security. 

The shift has changed the economics of fraud. Regulators are responding, reframing losses as consumer harm and driving new conversations around institutional liability, shared responsibility, and reimbursement. The supervisory focus is no longer on whether controls exist, but whether they function effectively at the speed of the transaction, leaving little tolerance for preventable losses in this high-velocity environment. 

This session will explore how financial institutions can adapt their control frameworks to meet these challenges. We will discuss the practical strategies from the frontlines, including the role of customer education, effective in-journey interventions, and cross-industry data sharing. We will also look at modern technologies, including AI and network-level analytics, required to move from retrospective review to real-time intervention, and examine what it takes to build an agile and effective anti-fraud framework that is not just layered on top of payment systems, but structurally embedded within them. 

Join this webinar to learn how to: 

• Balance fraud prevention strategies with customer expectations for speed and convenience, and determine where to effectively introduce 'friction' 

• Navigate evolving regulatory expectations across key APAC markets, including new frameworks for liability, shared responsibility, and consumer protection

• Develop effective intervention strategies to break the 'cognitive spell' on customers and enhance detection of sophisticated threats like APP scams 

• Adopt a 'test and learn' approach to build an agile and adaptive control environment that moves beyond compliance checklists to focus on reducing real-world consumer harm 

• Understand the challenges and successes of cross-industry data sharing initiatives and the critical role of the entire ecosystem — including telcos and social media platforms — in fighting fraud