Fraud prevention is becoming more complex, more connected and more time-critical. Instant payments, AI-driven social engineering, deepfakes, mule networks and cross-border criminal activity are reshaping the threat landscape faster than many institutions can adapt. This white paper explores how banks across the Benelux and beyond are responding, and what fraud and financial crime teams should prioritise next.

Fraud is no longer just a question of transaction monitoring or technical controls. The challenge now sits at the intersection of customer behaviour, identity, regulation, intelligence sharing and operational resilience. Drawing on insights from banking leaders, industry experts and solution providers, this report examines how financial institutions can strengthen fraud resilience in a real-time economy.

Whether you work in fraud prevention, AML, financial crime compliance, payments, risk or cyber, this paper offers a practical view of where the market is heading and what that means for your organisation.

Inside the white paper:

• How instant payments and Verification of Payee are changing fraud patterns, including the displacement of risk towards social manipulation, youth money mules and cross-border activity.
• Why AI-enabled social engineering, voice cloning and deepfake fraud are becoming defining threats for banks and payment providers.
• What the emerging “trust stack” means in practice, from digital identity and privacy-preserving data sharing to explainable AI and governance.
• How MiCA, TFR and broader regulatory developments are influencing fraud risk in digital assets and tokenised finance.
• Why fraud, AML and cyber teams are moving towards integrated financial crime hubs, and what that shift looks like operationally.

Why this matters now

The operating environment for fraud and financial crime professionals is changing quickly. Payment speed has reduced the window for intervention. Criminal networks are becoming more organised and more adaptive. At the same time, regulators are expecting stronger collaboration, better governance and a more joined-up approach across fraud, AML and cyber functions.

This white paper sets out the strategic questions banks need to address now, including:

• how to balance speed with effective controls
• where intelligent friction can reduce losses without damaging customer experience
• how to strengthen identity and trust in a digital-first environment
• what meaningful intelligence sharing should look like
• how to move from siloed defences to integrated financial crime operations

Download Fraud Prevention in a Real-Time Economy to explore how banking leaders are responding to the next phase of fraud risk.

Learn where the main pressure points are emerging, what new controls and capabilities matter most, and why collaboration across teams, institutions and borders is becoming essential.

(Get more insights from industry experts and network with your peers at The Banking Scene Conference Brussels on May 28, where our dedicated Fraud & Compliance content track will dig deep into the top-of-mind topics for financial services professionals. Don't delay, secure your seat here today.)