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The FC360 Criminal Innovation Series begins by examining why organised criminal networks are innovating faster than financial services, and what that means for the industry’s ability to respond.
Financial Crime Reports
Financial Crime 360 Survey Report 2025
As financial crimes grow in complexity and sophistication, payment firms find themselves at the forefront of the battle to safeguard their operations and consumer trust. The industry is now confronting emergent threats driven by technological advancements, such as AI-generated fraud and social media exploitation, amidst challenging economic conditions.
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State of the Industry YoY Analysis
Over the past three years, The Payments Association has conducted an in-depth financial crime survey to track shifts across the industry. Now, we’re sharing the key findings with you.
Whether you’re looking to stay ahead of risks or uncover opportunities for innovation, this is essential reading for anyone in payments or financial services.
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Top 10 Financial Crime Megatrends
This list provides insights into the top 10 financial crime megatrends for the next 12 months. These trends are based on current data and expert predictions, acknowledging that the landscape of financial crime is dynamic and subject to change. By anticipating these trends, financial institutions and individuals can better prepare for and mitigate the risks associated with financial crime.
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Financial crime confidence collapses as AI emerges as industry consensus
Financial crime prevention dominates the payments agenda, yet confidence in regulatory approaches has reached a critical low. Analysis from The Payments Association’s 2025 Financial Crime 360 conference reveals that whilst 75% of payments leaders identify financial crime as their primary concern, only 42% express confidence in current regulatory frameworks—down from 83% in previous surveys.
Financial crime 360 state of the industry 2025 – four insights for leaders
Fraudsters are innovating faster, regulations are struggling to keep pace, and technology is both a weapon and a shield. Against this backdrop, The Payments Association commissioned its Financial Crime 360 State of the Industry 2025 survey to capture the realities facing professionals on the front line of financial crime prevention. The research draws on responses from 158 specialists worldwide, with a strong UK focus that reflects the market’s position at the heart of European financial services.
The new origin of authorised push payment (APP) fraud: Evidence of digital platforms’ role and the case for shared liability
Authorised push payment (APP) fraud is one of the most significant threats facing consumers and businesses today. This whitepaper by The Payments Association examines how fraud develops in practice, from initial exposure through to financial loss, and explores whether current accountability frameworks reflect that reality.
Webinars
E‑commerce Fraud in the UK: Why 3DS‑Era Controls Are No Longer Enough And What Needs to Come Next
In this session, hosted by G+D Netcetera, we will explore why reacting at the 3DS stage alone is no longer sufficient to stop fraud losses, operational burden, and customer friction from escalating. Drawing on real-world issuer perspectives and joined by invited speakers from Mastercard and TigerGraph, we will discuss the limitations of siloed controls and the growing need to prevent fraud earlier and across channels, not just within individual transactions.
Smarter Scams, Smarter Defences: AI and the Future of Financial Crime Prevention
This webinar brings together experts from across fintech, banking, fraud intelligence and compliance to share how AI is being weaponised by criminals, and how firms can respond with smarter, faster and more collaborative defences.
The panel will utilise real-world case studies and practical examples to examine how organisations are using AI not just to improve efficiency, but to actively detect, prevent and disrupt fraud at scale.
The Payments Association
The largest and most influential community in payments, where connections, collaborations and learning shape an industry that works for all. Join us today to connect with other stakeholders from across the payments value chain, learn from industry experts and peers, shape the way the industry evolves and market your products and services more effectively.