Anatomy of a mule network: patterns across the account lifecycle
How mule accounts are recruited, activated and exhausted, and the detection signals available at each stage.
ForthcomingTypology
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Insights
Papers, briefs and analysis.
Our publications are written for three readers: the practitioner who needs to act, the policymaker who needs to decide, and the researcher who needs to check the work. The first set is in preparation; subscribe below to hear when each is released.
Friction that works: evaluating interventions against authorised-push-payment scams
A framework for testing warnings, delays and confirmation steps against their cost to genuine customers.
ForthcomingEvaluation
Sharing signals, not data: options for cross-institution fraud intelligence
Models for collaborative detection that respect data-protection obligations, and their trade-offs.
ForthcomingPolicy
Explainability for fraud models: what reviewers, customers and regulators each need
Three audiences, three different definitions of "explained", and a practical template for each.
ForthcomingGovernance
Who pays for a false positive? Measuring the uneven cost of fraud-model errors
A method for estimating how blocked transactions and frozen accounts fall across customer segments.
ForthcomingFairness
Verification after deepfakes: rethinking identity assurance in financial services
Which controls degrade when voice, face and documents can be synthesised, and what should replace them.
ForthcomingIdentity
After the scam: designing recovery journeys that restore trust
What victims experience after reporting fraud, and where institutions can reduce secondary harm.
ForthcomingRecovery
Warnings that land: testing scam messaging across languages and formats
A study design for measuring which fraud warnings change behaviour among first-time digital users.
ForthcomingBehaviour
Designing for the first-time user: fraud risk in the first 90 days
Why new users face different threats, and onboarding patterns that protect them without excluding them.
ForthcomingInclusion
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