Foreword

Financial crime leaders must decide where to invest, which controls to strengthen and when to act while policy is still developing. Our role in Payments Intelligence is to help members make those decisions with a clearer view of the evidence.

This report brings together polling and interviews from Financial Crime 360, registration responses and our Pulse Survey. These sources capture different perspectives. They do not provide a single measure of industry readiness, but they raise important questions about AI governance, fraud prevention and intelligence sharing.

For me, the practical question is what members can do with these findings. Where does accountability need to be clearer? Which controls need testing? Where would better information from another organisation help prevent harm?

I encourage you to use this report to challenge your own priorities and identify the specific issues on which clearer guidance or collective action would make a difference.

Benjamin David Head of intelligence The Payments Association