Executive Conversations by The Paypers with Incognia: APP Fraud
PA
Paula Albu
18 Jun 2026 / 10 Min Read
Authorised Push Payment (APP) fraud has become one of the most pressing challenges facing banks, fintechs, and payment providers worldwide. As real-time payments gain traction and fraudsters become increasingly sophisticated, financial institutions are being forced to rethink how they identify and stop scams before money leaves a customer's account.
In the first episode of Executive Conversations by The Paypers, host Dwayne Gefferie sits down with André Ferraz, Co-founder and CEO of Incognia, and Joe Wilson, Board Member at bunq, to explore how APP fraud is evolving, why traditional fraud controls are struggling to keep pace, and what financial institutions can do to better protect customers.
The role of AI and behavioural signals in protecting customers
What the future of fraud prevention could look like
As instant payments continue to accelerate globally, the ability to detect and prevent APP fraud in real time will become a critical differentiator for financial institutions seeking to protect customers and maintain trust.
During the conversation, André Ferraz and Joe Wilson also discuss how fraudsters are increasingly combining sophisticated social engineering techniques with AI-powered tools to create highly convincing scams. The episode explores the growing challenge of mule accounts, the importance of continuous identity verification, and why greater collaboration across the financial ecosystem may be essential to stopping fraudulent transactions before they reach criminal networks.
Watch the full conversation to hear expert perspectives on the future of fraud prevention and the measures financial institutions can take to stay ahead of increasingly sophisticated scams.
About Executive Conversations by The Paypers
Executive Conversations by The Paypers is a podcast series that brings together senior industry executives and leading voices in global payments and fintech for high-level discussions on the trends, tensions, and opportunities shaping the industry today.
Each episode is a genuine on-the-record exchange on relevant conversations with the people driving change in payments, fintech, and more. Hosted by Dwayne Gefferie, the series gives listeners direct access to the thinking of the executives and experts who are defining where the industry is headed next.
The Paypers is a global hub for market insights, real-time news, expert interviews, and in-depth analyses and resources across payments, fintech, and the digital economy. We deliver reports, webinars, and commentary on key topics, including regulation, real-time payments, cross-border payments and ecommerce, digital identity, payment innovation and infrastructure, Open Banking, Embedded Finance, crypto, fraud and financial crime prevention, and more – all developed in collaboration with industry experts and leaders.
