FF News Logo
Sunday, February 22, 2026
FFNews x MoneyLIVE

Breaking News

Bluefin and Basis Theory Partner to Enable Unified Tokenization Across Digital and In-Person Payments Invest Bank and AUTON8 Build Partnership to Drive Digital Resilience and Banking Agility ING’s AI Roadmap: Platform, People, and Agentic AI UK-fintech Provided Over £17.5m in Emergency Wage Advances to More Than 55,000 Employees in the Last Year TreviPay Announces AI-Powered Growth Center to Help Enterprises Predict Buyer Behavior and Drive B2B Sales AYU Alternative Investment Network Launches Direct Capital Matching Service Chubb Appoints Scott Henck Global Chief Actuary Insurity Announces Billing-as-a-Service Now Costs Less Than Running Billing In-House for P&C Carriers and MGAs INSHUR Appoints Christopher Aragon as Head of US Sales and Operations to Drive Growth and Expand Mobility Insurance Footprint Brits Feel Confused About Cryptocurrency, Despite Growing Plans to Invest DailyPay Upsizes Secured Credit Facility to $960 Million Arab National Bank Leverages Intellect’s eMACH.ai Wholesale Banking Platform to Accelerate Digital Innovation Mortgage Magic™ Launches Integrated Remote KYC to Verify Clients Without the Paperwork Nearly 3 BN BLIK Transactions in 2025 and Over 2 M New Users Markel Announces Collaboration With Upfort to Help Enhance Protection for U.S. Cyber Policyholders

March 11 2025

Scammers Are Exploiting Real-Time Payments – Here’s How Banks Can Fight Back | ACI Worldwide

Share this post:

Share on LinkedIn Share on WhatsApp

Fraud prevention is evolving fast, and Authorized Push Payment (APP) scams are at the center of it. In a recent discussion, Cleber Martins, a payments and fraud expert with over 24 years at ACI Worldwide, shared insights on how APP fraud is growing and what new regulations are doing to combat it.

Why APP Fraud is Spiking

Martins has been with ACI Worldwide for over two decades, and he’s seen first-hand how fraud has changed. Scams are now the fastest-growing type of fraud, and APP fraud—where criminals trick victims into sending them money—has become their go-to tactic.

Here’s why: as more countries embrace real-time payments, APP fraud is skyrocketing. It’s happening everywhere, from Europe to Latin America to Asia. The faster the payments, the easier it is for fraudsters to strike before victims—or banks—can react.

Regional Differences in APP Fraud

The Scamscope report focuses on six key markets where real-time payments are reshaping finance. But not all fraud looks the same across regions.

  • Investment scams dominate in some countries, where fraudsters prey on people looking for fast returns.
  • In other markets, customer churn is high, as victims lose trust in their banks after being scammed.

By studying these patterns, financial institutions can get ahead of fraud trends and strengthen their defenses before threats spread globally.

What Banks and Fintechs Can Do Next

For banks, fintech firms, and payment providers, this report isn’t just about spotting trends—it’s about taking action. Fraud prevention strategies need to evolve as fast as fraud itself. That means:

  • Strengthening real-time fraud detection with AI and machine learning.
  • Improving customer education to prevent scams before they happen.
  • Enhancing collaboration across financial services to share fraud intelligence.

As real-time payments continue to dominate, staying one step ahead of fraudsters will be key to maintaining trust and security in digital finance.

Be sure to download the Scamscope report today to understand the trends, get the latest figures, and get tooled up.

Download (https://www.aciworldwide.com/scamscope-report-app-scam-trends?utm_campaign=gpe-2024-bnks-payi-global-scamscope&utm_medium=referral&utm_source=fintech-finance&utm_content=report)

People In This Post

Cleber Martins | Head of Fraud Management at ACI Worldwide | Fintech Finance

Cleber Martins

ACI Worldwide

Companies In This Post

ACI Worldwide
  1. Bluefin and Basis Theory Partner to Enable Unified Tokenization Across Digital and In-Person Payments

    News

     Read more
  2. Invest Bank and AUTON8 Build Partnership to Drive Digital Resilience and Banking Agility

    Fintech

     Read more
  3. ING’s AI Roadmap: Platform, People, and Agentic AI

    Fintech TV

     Read more
  4. UK-fintech Provided Over £17.5m in Emergency Wage Advances to More Than 55,000 Employees in the Last Year

    News

     Read more
  5. TreviPay Announces AI-Powered Growth Center to Help Enterprises Predict Buyer Behavior and Drive B2B Sales

    News

     Read more
Future Identity Finance x FFNews
More On