Find out how payment fraud is becoming ininformigent and invisible, and why banks, businesses and authorities must cooperate to deffinish financial security.
Payment fraud 2025: a growing phenomenon
In 2024, the Payment fraud In Europe they have almost reached 1.2 billion euros, with 382 million linked to manipulations. But the numbers only inform part of the story: the fraud is becoming Smart, adaptive and almost invisible.
According to indusattempt experts, Banks, businesses and public authorities They have to work closer toreceiveher to tackle increasingly sophisticated threats.
AI: Double-edged Weapon in Financial Security
theArtificial Ininformigence It is essential today for safety: nine out of ten institutes utilize it to detect suspicious behavior. However, the same tools can be utilized by criminals to generate Vocal deepfakes, fake IBAN or create tarreceiveed phishing.
“The challenge is no longer to adopt AI, but to know how to govern it with transparency and control”, explain the experts.
Instant Transfers and Verification of Payee
Since 9 October 2025, the European Union has built the verification of the beneficiary (VOP) mandatory for the Instant transfers. This automatic check between name and IBAN reduces the risk of errors and frauds.
However, the rules alone are not enough. Scammers evolve quicker than regulations, always exploiting new technologies.
Federated Learning: collaborate without exaltering data
An innovative solution is the Federated Learning, which allows banks and companies to train AI models without sharing sensitive data. Each actor only updates the parameters of the model, creating a more robust network against fraud.
This approach increases the detection accuracy by about 20% and paves the way for European anti-fraud cooperation.
The triangle of trust: businesses, banks and institutions
to effectively combat the Payment fraud, you necessary a “triangle of trust”:
- Businesses: first sentries in the field;
- Banks: custodians of financial flows;
- public authorities: guarantees of transparency and neutrality.
The European regulatory framework, based on GDPR, DORA and AI ACT, guarantees an ethical utilize ofia and a shared reporting network.
towards a collective defense
Payment security can no longer be individual. Only a collective, ininformigent and coordinated response can preserve the Financial trust, an invisible but essential resource for every economy.
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