金融业正经历快速数字化转型，但网络犯罪分子的适应速度同样惊人。银行被迫投入巨资以应对激增的金融欺诈活动。在亚太地区，98%的金融机构不得不扩大合规运营规模，相关成本已飙升至450亿美元以上。这种激增反映出反欺诈策略正转向一体化模式，各国政府和行业正推出有针对性的国家应对措施，以抵御日益复杂的欺诈威胁。
中国香港推出手机版防骗预警系统Scameter，实时提醒用户高风险交易。新加坡实施“共同责任框架”，将诈骗损失责任分配给金融机构和电信运营商，推动反诈措施落地。同样，澳大利亚的“反诈安全协议”则由银行、住房互助协会和信用合作社跨行业合作，旨在提升客户保护标准以应对诈骗。
这些举措均是对日益严峻的区域威胁的有力回应。以东南亚“诈骗基地”为例：这些实体据点由犯罪集团操纵，策划大规模网络诈骗，包括身份欺诈、网络钓鱼、虚假投资和洗钱等犯罪活动。这些犯罪组织伪装成合法企业运作，每年非法获利高达数十亿美元。
推动金融犯罪升级的幕后推手究竟是什么？答案日益清晰：正是人工智能。犯罪网络利用人工智能技术伪造身份，发动大规模钓鱼攻击，并绕过传统安全系统——不仅所需资源更少，作案速度更是达到前所未有的程度。尽管诈骗园区主要集中在亚洲，但金融欺诈威胁已然席卷全球。
正当亚洲犯罪集团频频登上新闻头条之时，亚洲银行正悄然引领一场反欺诈技术变革。与其他地区银行主要将人工智能用于客户服务个性化和呼叫中心支持的银行不同，亚洲银行正通过在欺诈检测、身份验证和反洗钱等领域部署人工智能，对网络犯罪分子展开有力反击。
亚太地区为何能在人工智能反诈防御领域领先全球
亚洲之所以更注重人工智能反诈领域，根本上源于该地区面临的金融犯罪风险。亚洲金融机构始终奋战在打击网络犯罪前线，这种紧迫态势迫使其迅速采用人工智能驱动的防御策略。
金融损失规模令人震惊。仅2024年，亚太地区因欺诈造成的损失就高达约6880亿美元，几乎占全球总损失的三分之二。数字钱包和支付平台在亚洲民众中的快速普及使情况雪上加霜：由于强有力的消费者保护措施未能同步跟进，这种使用习惯为网络犯罪分子提供了可乘之机，也将银行推到了防御最前线。
亚洲银行在采纳ISO 20022新报文标准方面走在前列。该标准让金融机构借助人工智能更精准地识别异常交易，从而降低其暴露在金融犯罪中的风险。
同样的技术，不同的打法
随着人工智能的广泛应用，全球银行业的区域战略重点正呈现明显分化。亚太银行聚焦欺诈防控与安全防护，而欧美金融机构则优先将人工智能用于实现产品个性化和优化客户服务。
据我们的研究显示，英国仅略超半数企业计划通过生成式人工智能提升客户体验。这反映出英国市场竞争异常激烈，用户友好的互动体验是赢得客户忠诚度的关键。美国则将人工智能资源同时投入客户体验和运营自动化，既满足消费者对无缝银行服务的需求，又提升内部效率。
相比之下，58%的亚太银行将人工智能投资重点放在欺诈检测和反洗钱领域，远超全球平均水平。亚太银行面临高风险环境，犯罪网络利用生成式人工智能实施身份欺诈、网络钓鱼和金融诈骗。因此，该地区优先强化网络安全，制定更为明确的安全导向型人工智能战略，将欺诈防御视为核心竞争优势。
值得注意的是，人工智能正在模糊安全与服务之间的界限。随着网络安全威胁日益严峻，客户不仅期望银行保护他们的资金，更期待在不确定时期获得清晰、准确的答复。我们的客户实践显示，人工智能驱动的聊天机器人和身份验证系统能为银行员工调取信息的速度提升30%至40%，这进而带动客户满意度提升：客户对聊天机器人的满意度评分较传统人工客服高出25%。
未来银行业的核心需求
在当今威胁环境下，欺诈检测不能孤立存在，必须嵌入到金融基础设施中。无论是通过澳大利亚“反诈安全协议”等跨行业合作协议，还是借助既能实时验证用户身份又能解答问题的人工智能聊天机器人融合服务与安全功能，亚太地区正在向世界展示，通过人工智能驱动并与运营需求深度契合的一体化系统如何将原始数据转化为可执行的防御措施。
亚太地区的实践表明，金融安全的关键在于主动防御而非被动响应。面对巨额欺诈损失和复杂诈骗网络，亚洲金融机构已迅速将人工智能驱动的反欺诈列为优先事项。相比之下，欧美同行仅将反欺诈视为众多人工智能应用场景之一。随着人工智能驱动的金融犯罪在全球蔓延，这种战略误判将带来严重后果。
人工智能在欺诈中的作用将日益凸显。亚太地区的战略表明，快速行动并将反欺诈嵌入金融基础设施具有重要意义。随着全球威胁升级，世界各地应将亚洲视为榜样，不仅将其视为区域领导者，更应将其作为实现安全无缝金融交易的典范。（*）
Ashish Thapar为NTT DATA亚太区副总裁兼网络安全主管。
《财富》网站评论文章仅代表作者个人观点，不代表《财富》的立场。
译者：刘进龙
审校：汪皓
金融业正经历快速数字化转型，但网络犯罪分子的适应速度同样惊人。银行被迫投入巨资以应对激增的金融欺诈活动。在亚太地区，98%的金融机构不得不扩大合规运营规模，相关成本已飙升至450亿美元以上。这种激增反映出反欺诈策略正转向一体化模式，各国政府和行业正推出有针对性的国家应对措施，以抵御日益复杂的欺诈威胁。
中国香港推出手机版防骗预警系统Scameter，实时提醒用户高风险交易。新加坡实施“共同责任框架”，将诈骗损失责任分配给金融机构和电信运营商，推动反诈措施落地。同样，澳大利亚的“反诈安全协议”则由银行、住房互助协会和信用合作社跨行业合作，旨在提升客户保护标准以应对诈骗。
这些举措均是对日益严峻的区域威胁的有力回应。以东南亚“诈骗基地”为例：这些实体据点由犯罪集团操纵，策划大规模网络诈骗，包括身份欺诈、网络钓鱼、虚假投资和洗钱等犯罪活动。这些犯罪组织伪装成合法企业运作，每年非法获利高达数十亿美元。
推动金融犯罪升级的幕后推手究竟是什么？答案日益清晰：正是人工智能。犯罪网络利用人工智能技术伪造身份，发动大规模钓鱼攻击，并绕过传统安全系统——不仅所需资源更少，作案速度更是达到前所未有的程度。尽管诈骗园区主要集中在亚洲，但金融欺诈威胁已然席卷全球。
正当亚洲犯罪集团频频登上新闻头条之时，亚洲银行正悄然引领一场反欺诈技术变革。与其他地区银行主要将人工智能用于客户服务个性化和呼叫中心支持的银行不同，亚洲银行正通过在欺诈检测、身份验证和反洗钱等领域部署人工智能，对网络犯罪分子展开有力反击。
亚太地区为何能在人工智能反诈防御领域领先全球
亚洲之所以更注重人工智能反诈领域，根本上源于该地区面临的金融犯罪风险。亚洲金融机构始终奋战在打击网络犯罪前线，这种紧迫态势迫使其迅速采用人工智能驱动的防御策略。
金融损失规模令人震惊。仅2024年，亚太地区因欺诈造成的损失就高达约6880亿美元，几乎占全球总损失的三分之二。数字钱包和支付平台在亚洲民众中的快速普及使情况雪上加霜：由于强有力的消费者保护措施未能同步跟进，这种使用习惯为网络犯罪分子提供了可乘之机，也将银行推到了防御最前线。
亚洲银行在采纳ISO 20022新报文标准方面走在前列。该标准让金融机构借助人工智能更精准地识别异常交易，从而降低其暴露在金融犯罪中的风险。
同样的技术，不同的打法
随着人工智能的广泛应用，全球银行业的区域战略重点正呈现明显分化。亚太银行聚焦欺诈防控与安全防护，而欧美金融机构则优先将人工智能用于实现产品个性化和优化客户服务。
据我们的研究显示，英国仅略超半数企业计划通过生成式人工智能提升客户体验。这反映出英国市场竞争异常激烈，用户友好的互动体验是赢得客户忠诚度的关键。美国则将人工智能资源同时投入客户体验和运营自动化，既满足消费者对无缝银行服务的需求，又提升内部效率。
相比之下，58%的亚太银行将人工智能投资重点放在欺诈检测和反洗钱领域，远超全球平均水平。亚太银行面临高风险环境，犯罪网络利用生成式人工智能实施身份欺诈、网络钓鱼和金融诈骗。因此，该地区优先强化网络安全，制定更为明确的安全导向型人工智能战略，将欺诈防御视为核心竞争优势。
值得注意的是，人工智能正在模糊安全与服务之间的界限。随着网络安全威胁日益严峻，客户不仅期望银行保护他们的资金，更期待在不确定时期获得清晰、准确的答复。我们的客户实践显示，人工智能驱动的聊天机器人和身份验证系统能为银行员工调取信息的速度提升30%至40%，这进而带动客户满意度提升：客户对聊天机器人的满意度评分较传统人工客服高出25%。
未来银行业的核心需求
在当今威胁环境下，欺诈检测不能孤立存在，必须嵌入到金融基础设施中。无论是通过澳大利亚“反诈安全协议”等跨行业合作协议，还是借助既能实时验证用户身份又能解答问题的人工智能聊天机器人融合服务与安全功能，亚太地区正在向世界展示，通过人工智能驱动并与运营需求深度契合的一体化系统如何将原始数据转化为可执行的防御措施。
亚太地区的实践表明，金融安全的关键在于主动防御而非被动响应。面对巨额欺诈损失和复杂诈骗网络，亚洲金融机构已迅速将人工智能驱动的反欺诈列为优先事项。相比之下，欧美同行仅将反欺诈视为众多人工智能应用场景之一。随着人工智能驱动的金融犯罪在全球蔓延，这种战略误判将带来严重后果。
人工智能在欺诈中的作用将日益凸显。亚太地区的战略表明，快速行动并将反欺诈嵌入金融基础设施具有重要意义。随着全球威胁升级，世界各地应将亚洲视为榜样，不仅将其视为区域领导者，更应将其作为实现安全无缝金融交易的典范。（*）
Ashish Thapar为NTT DATA亚太区副总裁兼网络安全主管。
《财富》网站评论文章仅代表作者个人观点，不代表《财富》的立场。
译者：刘进龙
审校：汪皓
The financial sector is going through a rapid digital transformation, but cybercriminals are adapting just as quickly. Banks are forced to spend heavily to keep ahead of surging financial fraud. Across the Asia-Pacific region, 98% of financial institutions have had to scale up their compliance operations, driving costs above $45 billion. This surge reflects a shift toward integrated anti-fraud strategies, with governments and industries rolling out targeted national responses to counter increasingly sophisticated threats.
Hong Kong authorities have launched Scameter, a mobile fraud alert system that that notifies users of high-risk transactions. Singapore has introduced the Shared Responsibility Framework, which allocates scam loss responsibilities to financial institutions and telecommunication operators, encouraging the implementation of anti-scam measures. Similarly, Australia’s Scam-Safe Accord is a cross-industry initiative across banks, building societies, credit unions aimed at elevating the standard of customer protection to counter scams.
These moves all represent a strong response to a growing regional threat, exemplified by Southeast Asia’s “scam compounds”: physical hubs where criminal syndicates orchestrate large-scale online scams, including identity fraud, phishing, fake investments and money laundering. Disguised as legitimate businesses, these sophisticated operations generate billions of dollars annually.
What’s driving this evolution in financial crime? Increasingly, it’s artificial intelligence. Criminal networks use AI to create synthetic identities, launch massive phishing campaigns, and bypass traditional security systems—and do so with fewer resources and in record time. While scam compounds are concentrated in Asia, the threat of financial fraud is global.
Yet as Asia’s crime syndicates make headlines, the region’s banks are quietly leading a shift in how to prevent fraud. Unlike other banks, which use AI for customers personalization and call center support, Asian banks are instead tapping AI to fight back against cybercriminals through fraud detection, identity verification, and anti-money laundering.
Why APAC is outpacing in AI-driven fraud defense
Asia’s greater focus on AI-powered fraud prevention is due to the region’s exposure to financial crime. Asian institutions are in the trenches when it comes to cybercrime, pushing them to rapidly adopt AI-driven strategies.
The scale of financial loss is staggering. In 2024 alone, the Asia-Pacific region lost an estimated $688 billion to fraud, nearly two-thirds of the world’s total. Asians’ rapid adoption of digital wallets and payment platforms makes matters worse: By outpacing the rollout of strong consumer protections, this usage opens doors for cybercriminals and is putting banks on the front lines.
Asian banks are leading the way in adopting ISO 20022, a new messaging standard that allows financial institutions to use AI to precisely detect anomalies and cut exposure to financial crime.
Same tech, different playbooks
Regional priorities are shifting as banks adopt AI. Asia-Pacific banks are focusing on fraud prevention and security, while European and U.S. institutions instead use AI to personalize products and customer service.
According to our research, just over half of organizations in the UK want to use generative AI to enhance the customer experience. That reflects the UK’s hyper-competitive market, where user-friendly interactions are key to winning customer loyalty. The U.S. is splitting its AI focus between customers experience and operational automation, supporting both consumer demands for frictionless banking and internal goals for efficiency.
In contrast, 58% of Asia-Pacific banks are focusing their AI investments on fraud detection and anti-money laundering, well above the global average. Asia-Pacific banks face a high-risk landscape where criminal networks use generative AI for identity fraud, phishing and financial scams. As a result, the region prioritizes cybersecurity, forging a sharper, security-focused AI strategy that views fraud prevention as a key competitive advantage.
Importantly, AI is blurring the distinction between security and service. Growing cyber threats means customers expect their banks to not just protect their money, but also provide clear, accurate answers in times of uncertainty. Our work with clients reveals that AI-powered chatbots and authentication systems can speed up queries from banking staff by sourcing information for them 30-40% faster than before. This has in turn had a knock-on effect for customer satisfaction, with customers now rating their experiences with chatbots 25% higher than their previous conversations with human agents.
What the next era of banking demands
Fraud detection can’t be isolated in today’s threat landscape. It must be embedded within financial infrastructure. Whether that’s through cross-industry accords like Australia’s Scam-Safe Accord, or through the blend of service and security seen in AI-powered chatbots that both authenticate users and resolve queries in real time, APAC is demonstrating how integrated systems can turn raw data into actionable defenses, driven by AI and aligned with operational needs.
Asia-Pacific’s experience highlights that financial security hinges on being proactive, not reactive. Faced with massive fraud losses and complex scam networks, Asian institutions have swiftly prioritized AI-driven fraud prevention. U.S. and European peers, on the other hand, treat fraud prevention as one possible AI application among many. That will be a mistake as AI-driven financial crime starts to spread globally.
AI’s role in fraud will grow. Asia-Pacific’s strategy shows the value of acting quickly to counteract it, integrating fraud prevention into financial infrastructure. As global threats escalate, the world should look to Asia, not just as a regional leader, but as a role model for secure, seamless financial transactions.
The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.