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RTP® and FedNow Transaction Limit Increases Fuel Instant Payments Surge

Fintech Finance

New research from RedCompass Labs shows that RTP and FedNow’s rising transaction limits are making instant payments significantly more attractive for U.S. 84% of US banks say the new $10 million RTP® limit boosts its attractiveness, and 84% believe raising FedNow’s $500,000 cap will have the same effect.

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Fraudsters Turn to WhatsApp: Revolut Reveals UK Consumers Lose £2,437 From WhatsApp Scams

The Fintech Times

The business continually enhances security features, this year launching in-app calls to help customers quickly expose impersonation scams, as well as implementing real-time AI fraud detection systems, transaction limits, biometric authentication requirements and providing educational resources to help consumers stay informed about potential risks.

Scams 59
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DECTA: Improving Payment Acceptance Rates for Urbo Bank and Through New EMV 3DS Certification

The Fintech Times

Smarter insights: Firms can gain access to detailed transaction data, recurring payment information, and token data for efficient fraud detection and accurate processing. Biometric authentication: Advanced methods like WebAuthn and SPC reduce fraud risks while offering a modern, secure experience.

EMV 59
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APAC’s Digital Banking Growth Sparks a Surge in Fraud Cases

Fintech News

This is followed by advanced authentication methods (70.2%), customer education initiatives (68.1%), and the implementation of real-time fraud detection systems (53.2%). About 55.3% of respondents reported investments in online and mobile banking security, and 48.9% reported adoption of biometric security solutions.

APACS 123
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Navigating AML obligations in the age of virtual IBANs

The Payments Association

Partnering with regional providers, leveraging AI for fraud detection, and conducting regular audits will ensure compliance, transparency, and operational excellence. A shift towards a risk-based approach will be essential, ensuring that high-risk transactions are subject to enhanced scrutiny.

IBAN 88
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RedCompass Labs Reveals 8 in 10 US Banks are Happy With RTP and FedNow Instant Payments Limits

The Fintech Times

The results, published in a new report, Pushing the Limits: US Instant Payments in 2025, based on responses from 300 senior payments professionals at US banks , suggest larger transaction limits are helping to boost instant payment demand.

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Examining the PSR’s APP fraud reimbursement cap change

The Payments Association

While some argue that the reduced cap will alleviate the financial strain on smaller PSPs, others, such as fraud prevention experts, feel it weakens the push for stronger fraud detection systems within the industry. She adds: “Smaller payments players, unlike large banks, only see a tiny portion of transaction patterns.

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