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The introduction of a new payment rail presents new opportunities for fraud, especially via synthetic IDs and social engineering. In the United Kingdom, there has been a demonstrated rise in push payment schemes where unwitting victims are duped by scammers impersonating a trusted counterparty.",[],{"type":427,"text":497,"spans":498,"direction":480},"Form3 is finalizing new features in the U.K. that leverage new algorithms to analyze the traffic that the company processes there and has seen a double-digit increase in its ability to identify fraudulent activity by examining where fund flows originate — and where they’re headed.",[],{"type":427,"text":500,"spans":501,"direction":480},"Interconnectivity and interoperability may help give rise to new use cases, as cross-border payments are the lifeblood of trade, Scola said. The linking between far-flung instant payment schemes already has some momentum across Latin America, Asia and Africa.",[],{"type":427,"text":503,"spans":504,"direction":480},"“The technical aspects of this are not that hard,” said Scola, who noted that Form3 operates as a platform that uses a single code base across all its operating regions to make routing payments simpler and more streamlined.",[],{"type":427,"text":506,"spans":507,"direction":480},"Along with the connectivity and infrastructure, there’s the opportunity for marketplaces and FinTechs to become more intimately involved with money movement, he said.",[],{"type":427,"text":509,"spans":510,"direction":480},"Outside the U.S., many of the use cases that have evolved have been created and offered by FinTechs, Scola said. Within the U.S., things are a bit more complicated because to be a direct participant of the RTP or FedNow services, a company must be a bank, have a banking license, or have a sponsor banking relationship in place.",[],{"type":427,"text":512,"spans":513,"direction":480},"But with those relationships in place, “you’ll see FinTechs step into the P2P space or the B2C space, introducing new solutions leveraging FedNow and RTP to solve some of these new use cases.”",[],"rich_text$0a654098-e73f-4466-9353-00e85bd09446",{"variation":421,"version":422,"items":516,"primary":517,"id":527,"slice_type":458,"slice_label":13},[],{"body":518},[519],{"type":427,"text":520,"spans":521},"Originally published on PYMNTS.com",[522],{"start":523,"end":524,"type":442,"data":525},24,34,{"link_type":444,"url":526,"target":446},"https:\u002F\u002Fwww.pymnts.com\u002Freal-time-payments\u002F2023\u002Fnew-use-cases-needed-to-drive-instant-payments-momentum-worldwide\u002F","rich_text$e45788d3-787b-451f-88ae-6b27417e83e3",1788466510089]