Trust is everything in banking. But instant payments, and the weaponization of AI, have pushed fraud past the limits of siloed controls.

This session explores how cloud-based, cross‑industry consortiums enable institutions to collaborate in real time across the ecosystem, sharing privacy‑safe signals to spot scams and synthetic identities before money moves, without adding friction for customers.

We’ll translate regulatory pressure, including as an example the U.K.’s APP reimbursement rules, the EU instant payment mandates, or the Authorised Push Payment fraud mandates in Australia, into practical design choices: encryption in transit and at rest, GDPR‑aligned data handling, transparent governance, and cross‑border patterns that scale.

In this fireside chat, experts from FIS and Sardine unpack what makes partnerships work: global reach, operating scale, and modern risk intelligence - combined to multiply trust and reduce losses across onboarding, login, and payment release.