Contents

The findings, their limits and the decisions members should take next.

Fraud prevention and AML lead respondents’ challenges; spending plans remain uncertain.

Respondents selected different changes as their greatest uncertainty and strongest area of preparedness.

AI-enabled fraud is a leading concern, alongside demand for more practical governance guidance.

Respondents support better sharing, but the findings do not establish what limits investment.

Practical actions for members and policy requests for the Association to pursue.