In this episode of Payments Unheard, host Leslie D'Monte sits down with Vipin Surelia, from Visa and FSS and to talk about one of the most pressing challenges in digital payments today risk, fraud, and what it actually takes to prevent it. With payments now moving faster than ever, the conversation gets honest about whether our fraud management systems have truly kept up.

From mule accounts and AI-driven scams to voice cloning and social engineering, the trio breaks down how fraud has evolved and why it's no longer just targeting the uninformed. The conversation also explores why cooling periods aren't friction, they're foresight and how human behaviour remains at the centre of it all.

Because at the end of the day, no banking tech or payment solution can fully replace an aware consumer.

#cross border payments, #global payments #ai in fintech #modern banking system #fraud detection #microservices