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the US Can Learn From the UK About Push Payments Fraud","The U.K. banking industry is currently facing a new wave of regulations aimed at tackling push payment fraud. 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And that’s new.”",[],{"type":444,"text":448,"spans":449},"The banks will be required to reimburse consumers for push payment fraud if money goes into a fraudster’s bank account.",[],{"type":444,"text":451,"spans":452},"The impact of fraud — where 41% of fraud in the U.K. has been estimated to be tied to push payments — is not just financial.",[],{"type":444,"text":454,"spans":455},"“Victims often feel embarrassed and lose trust in others when they’ve fallen prey to, say, invoice or romance scams,” Mueller said, adding that elderly people are especially vulnerable.",[],{"type":444,"text":457,"spans":458},"As Mueller told Webster, there’s been only a slightly positive impact from the implementation of confirmation of pay, as the account holder is identified before making the payment, matching the account name with the account number.",[],{"type":444,"text":460,"spans":461},"Mueller explained that Form3 is introducing artificial intelligence (AI) as part of the payment processing that scans community data to identify patterns and payment datasets. This helps assign risk scores to beneficiary accounts in flight, which can help banks decide whether to approach the payer or stop the payment.",[],{"type":444,"text":463,"spans":464},"“You need to look at the beneficiary account — and where the money’s going,” he said.",[],{"type":444,"text":466,"spans":467},"That’s easier said than done. Banks can introduce friction to combat fraud, but this may be problematic in an age where real-time payments are becoming more prevalent — and an expectation on the part of consumers. However, AI can be used to identify patterns and assign risk scores to beneficiary accounts, which can help reduce fraud.",[],"rich_text$f77e8b45-46d8-4473-a119-9d027086163b","rich_text",{"variation":420,"version":421,"items":471,"primary":472,"id":493,"slice_type":469,"slice_label":13},[],{"body":473},[474,478,481,484,487,490],{"type":475,"text":476,"spans":477},"heading2","A Collaborative Approach",[],{"type":444,"text":479,"spans":480},"Mueller emphasized that banks need to work together to solve this issue. Banks must share data and implement the technology to scan the data to identify as many fraudulent attempts as possible. He added that it’s a technical upgrade exercise required to ensure that push payment fraud is kept under control.",[],{"type":444,"text":482,"spans":483},"Technology can help identify fraudulent activity, but fraudsters are clever and efficient, and it’s a scale game for them. 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