{"id":3259,"date":"2024-10-01T17:38:49","date_gmt":"2024-10-01T15:38:49","guid":{"rendered":"https:\/\/lyfense-pro.mrmilu.com\/lynxs-experts-predict-a-new-era-for-appf-reimbursements-in-the-uk\/"},"modified":"2026-03-24T11:20:13","modified_gmt":"2026-03-24T10:20:13","slug":"lynxs-experts-predict-a-new-era-for-appf-reimbursements-in-the-uk","status":"publish","type":"post","link":"https:\/\/lyfense.com\/en\/resources\/lynxs-experts-predict-a-new-era-for-appf-reimbursements-in-the-uk\/","title":{"rendered":"Lynx Predict a New Era for APPF Reimbursements"},"content":{"rendered":"\nThe PSR\u2019s APPF Reimbursement Requirements\r\n\r\n
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Lynx\u2019s Experts Predict<\/span>\u00a0a\u00a0<\/span>New Era for APPF Reimbursements in the UK<\/span><\/span><\/h3>\nAuthorised Push Payment Fraud (APPF) continues to be a significant problem for consumers and financial institutions in the UK.\u00a0<\/span>The Payment Systems Regulator\u2019s (PSR) latest data<\/span><\/a>\u00a0shows that in 2023 victims reported 252,626 APPF cases costing almost \u00a3341M.\u00a0<\/span>\u00a0<\/span>\n\nThe good news:<\/strong>\u00a0there have been some improvements in APPF prevention and response since 2022. The value of APPF losses is 12% lower and reimbursement rates among Payment Service Providers (PSPs) and Financial Institutions (FIs) are higher overall.<\/span>\u00a0<\/span>\n\nThe bad news:<\/strong>\u00a0the volume of APPF scams is 12% higher than in 2022 and reimbursements vary significantly across payment providers. The data also shows that inbound APPF prevention (received payments) significantly lags behind outbound APPF prevention (sent payments) in most institutions.\u00a0<\/span>\u00a0<\/span>\n\n \n\n<\/section>
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The PSR\u2019s APPF Reimbursement Rules<\/span><\/span><\/h3>\nStarting on October 7, 2024, the PSR is enforcing\u00a0<\/span>new APPF reimbursement rules for PSPs using the Faster Payments Service (FPS)<\/span><\/a>. These regulatory changes seek to curb APPF and reimburse more victims.<\/span>\u00a0<\/span>\n\nThe rules state that APPF reimbursement will be split 50\/50 between sending and receiving PSPs. There is a \u00a385,000<\/span>\u00a0maximum reimbursement per claim, a 5 business day reimbursement window and a set of reporting requirements (for a full review of the regulatory changes, read Lynx\u2019s fact sheet here).<\/span>\u00a0<\/span>\n\nSeveral important questions arise from these new rules. How will the financial services industry adapt? How will consumers be impacted? What are the implications for preventing fraud, identifying money mules, and stopping money laundering?\u00a0<\/span>\u00a0<\/span>\n\nHere are the top three predictions from Lynx\u2019s team of fraud prevention and anti-money laundering experts.\u00a0\u00a0<\/span><\/b>\u00a0<\/span>\n\n \n\n<\/section>
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Prediction 1:<\/strong>\u00a0<\/span>Increased\u00a0<\/span>Investments in Fraud Prevention<\/span>\u00a0and Money Mule Detection<\/span><\/h4>\nDan Mcloughlin<\/strong>, Head of Pre-Sales, UK<\/span><\/span>\u00a0<\/span>\n\n<\/section>
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The high reimbursement maximum will introduce a substantial financial burden for PSPs and FIs. The PSR is signaling that these institutions must prevent the flow of fraudulent transactions or be prepared to face higher reimbursement costs. This should drive investments in stronger fraud prevention technologies and strategies, particularly those that allow real-time detection and intervention. PSPs and FIs that fail to adapt will face higher fraud losses and claims, more false positives, and reputational damage, not to mention more attacks from criminals who see an opportunity to target weaker systems.\u00a0<\/span><\/blockquote>\n
The 50\/50 split for APPF reimbursements will also force payment providers to place a higher priority on stopping inbound fraud and money mule accounts, two areas that have lagged outgoing APPF prevention. More PSPs and FIs will invest in high-performing money mule detection and removal technologies. Uncovering more mules will ultimately help prevent money laundering, reduce the amount of fraudulent funds in financial systems, and inhibit reinvestment in criminal infrastructure.<\/span>Read more of Dan\u2019s commentary here:<\/span>\u2013\u00a0<\/span>paymentexpert.com<\/span><\/a>\u2013\u00a0thebanker.com<\/span><\/a><\/blockquote>\n<\/div>\n<\/section>
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Prediction 2:<\/strong> Better Collaboration between Fraud Prevention and Anti-Money Laundering (AML) Teams<\/span><\/span><\/h4>\nAlyssa Iyer<\/strong>, Head of Product \u2013 AML<\/span><\/span>\u00a0<\/span>\n\n<\/section>
\n
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As FIs and PSPs focus more resources on money mules and inbound APPF, there is an opportunity to bridge gaps between traditionally siloed Fraud Prevention and AML teams to prevent more financial crime. At a high level, these two groups share a goal: identifying, stopping, and reporting criminal transactions with greater precision and speed to protect consumers and businesses. When it comes to stopping money mules, the overlap is more tangible. Money mules launder fraudulently obtained funds, so both Fraud Prevention and AML teams are needed to stop mules.<\/span>\u00a0<\/span><\/blockquote>\n<\/div>\n
PSPs and FIs that invest in unified mule detection technologies will enable these teams to foster greater collaboration, a culture of synergy, and enhanced efficiencies. This will drive better compliance outcomes and protect more consumers and businesses. Seamless integrations between Fraud Prevention and AML will also help institutions quickly alert and assist law enforcement before the trail goes cold, catching more mules and stopping the flow of illegal funds. <\/span>\u00a0<\/span><\/blockquote>\n<\/section>
<\/section>
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Prediction 3: <\/b>Higher Demand for Adaptive AI Technologies<\/h4>\nGreg Hancell<\/strong>, Head of Product \u2013 Fraud\n
The PSR\u2019s new rules define a new reality for payment providers. These institutions need to comprehensively monitor all inbound and outbound transactions to detect and stop APPF and mule accounts in real time without preventing legitimate transactions. This is<\/span>\u00a0only possible with adaptive and flexible technology given ever-changing criminal tactics, shifting user behaviours, and emerging digital payment methods.\u00a0<\/span><\/blockquote>\n
In today\u2019s transaction environment, rules-based fraud prevention alone isn\u2019t enough. Rules must be paired with AI and machine learning (ML) models which can capture complex fraud and money muling behavioural patterns.<\/blockquote>\n
However, not all solutions are created equally. Static ML models which retrain only once every few months don\u2019t keep up with evolving behaviours and technologies.<\/span>PSPs and FIs will increasingly seek out ML-based fraud prevention and mule detection solutions that quickly retrain and learn from the latest criminal and technological trends whilst performing with high accuracy.\u00a0<\/span><\/blockquote>\n<\/section>
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How Lynx Money Mule Detection Can Help<\/span><\/span><\/h3>\nLynx has the technology to help FIs and PSPs meet the PSR\u2019s new requirements, uncover more mules, and unify fraud prevention and AML efforts.\u00a0<\/span>\u00a0<\/span>\n\nLynx Mule Account Detection empowers payment providers with a 360-degree view of incoming and outgoing money mule transactions. The solution is powered by Daily Adaptive Models, supervised ML models that are retrained daily to identify fraudulent funds and mule accounts in real-time with the highest accuracy and lowest false positives. Adaptive and extensible payloads are enabled thanks to Lynx Flex, which allows PSPs and FIs to configure API and intelligence feeds in a user interface and propagate changes to models, rules and reports.\u00a0<\/span>\u00a0<\/span>\n\nHere\u2019s how Lynx Money Mule Account Detection works. The solution reviews incoming transactions in real-time, applies a risk score based on the likelihood of a transaction\u2019s association with illicit funds, automatically flags and blocks mule accounts, and generates alerts for Fraud and AML teams.\u00a0<\/span>A unique mule score provides immediate value with proactive and dynamic data enabling faster decision-making by Fraud and AML teams. Additionally, this upstream service provides more actionable insight and confidence to transaction monitoring teams, further enhancing seamless decision-making and increasing process automation and operational efficiencies.<\/span>\u00a0<\/span>\n\nLynx Money Mule Detection isn\u2019t just a mule prevention solution: it also enables real-time AML monitoring. When money muling is identified, an immediate alert is sent to the Fraud Prevention and AML teams. This provides integrated threat intelligence to detect mules, stop fraud, and flag suspicious money laundering activity. Lynx\u2019s solution helps payment providers stop fraudulent funds from entering and or leaving the institution, reduces false positives and operational costs, protects consumers and businesses, and defunds crime to disrupt the criminal cycle.\u00a0<\/span>\u00a0<\/span>\n\n \n\n<\/section>
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Get in Touch<\/span><\/span><\/h4>\nLynx Money Mule Detection<\/strong> <\/a>is available as a standalone solution or may be used in conjunction with Lynx Fraud Prevention to accurately identify fraud and money mules in outgoing and incoming transactions. To learn more, read the\u00a0Lynx Money Mule Detection Guide.<\/a><\/span>\n\nLynx prevents \u00a31.6 billion in fraud per year (rolling 12-month period). Interested to learn more?\u00a0<\/span>Reach out to request a demo or a proof of concept today<\/span><\/a>.\u00a0<\/span>\u00a0<\/span>\n\n<\/section>\r\n\r\n \n","protected":false},"excerpt":{"rendered":"

The PSR\u2019s APPF Reimbursement Requirements Lynx\u2019s Experts Predict\u00a0a\u00a0New Era for APPF Reimbursements in the UK Authorised Push Payment Fraud (APPF) continues to be a significant problem for consumers and financial institutions in the UK.\u00a0The Payment Systems Regulator\u2019s (PSR) latest data\u00a0shows that in 2023 victims reported 252,626 APPF cases costing almost \u00a3341M.\u00a0\u00a0 The good news:\u00a0there have […]<\/p>\n","protected":false},"author":4,"featured_media":1275,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","url":"","_lynx_whitepaper_file_id":0,"_lynx_whitepaper_file_url":"","footnotes":""},"categories":[42,38],"tags":[],"tipologia":[63],"class_list":["post-3259","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai","category-aml","tipologia-blog"],"acf":[],"yoast_head":"\nLynx Predict a 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