Consumer behavior: Digital wallets, fraud, and the future of how the UK pays
September 17, 2026
Discover how these new rules are designed to protect consumers and how criminals exploit weaknesses.
This ground-breaking thought-leadership whitepaper explores why Authorised Push Payment (APP) fraud is infiltrating not just domestic payments but cross-border transactions, and how it presents significant challenges. It investigates why the global regulatory system struggles to effectively address APP fraud in cross-border transactions and what can be done now to mitigate these issues. It looks at the underlying challenges of combatting APP fraud in cross-border payments, including the complexity of international transactions, lack of clarity on liability, and insufficient security measures.
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Authorised Push Payment (APP) scams have become a prevalent issue in the financial sector, where fraudsters deceive individuals into transferring money to accounts under their control. These scams not only lead to significant financial losses but also cause severe emotional distress to victims.
In this insights podcast episode, reporter George Iddenden spoke to Thistle Initiatives head of payment services Lorraine Mouat, and Jessica Cath, the company’s head of finanical crime on how financial services firms can balance consumer duty requirements meanwhile managing the risk of APP fraud.
Santander is calling for more to be done to combat fraud because the PSR’s mandatory reimbursement plans for APP scam victims will be an unsustainable cost for banks and schemes.
