App诈骗对跨境支付的影响（英）_36页_4mb

cross-border payments are expanding rapidly due to globalization, e-commerce, and digital finance innovations, but this growth is fueling authorised push payment (app) fraud. criminals exploit the speed, anonymity, and complexity of these systems to conduct fraud. key threats include the rapid movement of funds, difficulties in tracing and recovering money across jurisdictions, and the rise of cryptocurrencies. challenges are amplified by regulatory fragmentation, data sharing limitations, and the lack of global standards in fraud prevention.

opportunities to combat fraud include leveraging technologies like artificial intelligence, machine learning, and tokenisation for real-time detection and prevention. collaboration between financial institutions, law enforcement, and social media platforms is essential, with Australia's ecosystem approach serving as a model. global regulatory harmonisation and data sharing protocols are critical for sustained cooperation.

to address this, a paradigm shift is needed, focusing on proactive measures from fraud's origin to recovery, including enhanced fraud training, consumer awareness, and investment in secure payment innovations.