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KPMGGlobal

Banking

ScamSurvey

Strategiestomanageauthorised

pushpaymentfraud

February2025

KPMG.com.au

KPMGGlobalBankingScamSurvey2

Foreword

Authorisedpushpayment(APP)scamsareglobal,transcendKPMG’sGlobalBankingAPPScamSurveyencompasses

bordersandaffectalljurisdictions.Theinterconnectedglobaltheviewsof48banksin16countriesand5continents

economyandtheeasewithwhichinformationandmoneytoidentifytrendsandbestpracticesthatenablethese

canbetransferredacrossbordersmeansoneinstanceofinstitutionstoprotectconsumers.Thesurveydatawas

anAPPfraudcanaffectmultiplefinancialinstitutionsacrosscollectedthroughinterviewswithprofessionalsinfraud

multiplecountries.Globalscamlossesareestimatedintheandscamprevention.Wesoughttoobtainavarietyof

billionseachyear.viewsthatincludelargemultinationals,digitalneobanks

andmutuals/buildingsocieties.

APPscammerstrickvictimsintomakingpaymentsto

accountsthatbelongtofraudsters.ThesescamsoftenWehopetheinsightsprovidedinthissurveywill

involvefraudstersimpersonatingatrustedentity,suchencourageorganisationsinallsectorstoreassesstheir

asabank,serviceproviderorgovernmentagency,andscampreventionstrategiesandconsiderhowtheycan

usingfalsepretencestoconvincethevictimtoauthoriseenhancethemtobolsterglobalfraudprotectionefforts.

payments.Thevictimisledtobelievethey’remaking

alegitimatetransaction,wheninfacttheyaresending

moneydirectly