Articles

Fraud schemes often evolve faster than internal controls. A mature anti-fraud function does more than investigate losses. It identifies weaknesses early, informs product design, connects signals across accounts and measures whether controls are reducing risk without creating unnecessary friction.

Why the most dangerous threat to businesses is no longer external hacking, but access gained through legitimate employee accounts. How security logic is evolving in hybrid environments, how attackers penetrate internal systems, and which signals can reveal an attack before it results in data leakage or infrastructure takeover.

Managing KPIs throughout the month takes more than frequent reporting. It requires consistent data, agreed calculation rules and a system that highlights performance gaps while managers can still act. Freedom Bank Kazakhstan built this model step by step, moving from Excel reports to a DWH and the daily use of BI.

Policies, risk registers and risk committees do not necessarily mean that a company is managing risk. The system begins to add value when it helps to take better decision before a mistake becomes irreversible. This article looks at how to connect risk with business objectives, involve the risk function earlier and turn indicators into management action.

Fraud in fintech is no longer just a security concern. It shapes growth, trust and regulatory scrutiny. This article explores the trade-offs between convenience and control, what works in practice, and how risk strategy evolves as companies mature.

Which costs genuinely belong to the bank as a whole? Should branch idle time be charged to products? And what changes when Treasury or the problem asset management unit is treated as a Profit Center rather than a Cost Center? Georgy Zemitan examines five methodology choices that shape cost allocation and profitability analysis in banking.

A visit to one of China’s leading manufacturers can easily become little more than an impressive factory tour. Executives see robotic production lines and digital dashboards, take photographs and then return to the same problems and ways of working. For a business tour to deliver real value, the focus needs to be on the processes, performance measures and management decisions behind the technology.

Artificial intelligence can produce dozens of possible solutions in minutes, but speed says little about their quality or practical value. This article examines how TRIZ can bring structure to AI-assisted problem-solving, help companies find technologies beyond their own industry, protect sensitive information and recognise when a system has reached the limits of optimisation.

Internal communication is not simply the exchange of information. It shapes how employees understand objectives, make decisions, delegate work, resolve disagreements and build trust. Aigul Sandalova explains how managers and employees can communicate more clearly, manage emotions and reduce the misunderstandings that undermine team performance.

Corporate fraud is usually blamed on the individuals involved. But there is another question worth asking: which management decisions allowed the misconduct to begin, spread and remain undetected? Drawing on two anonymised cases, Elina Moshkovich shows how conflicts of interest, poorly designed KPIs and weak control functions can turn isolated abuse into a systemic business risk.

How banks can build effective anti-fraud systems when resources are insufficient for total control. Why, in such conditions, the number of checks matters less than precise prioritization, the ability to separate noise from real risk, and the discipline to identify where fraudulent activity converges. What measures strengthen protection without heavy infrastructure: monitoring dormant accounts, limiting remote onboarding, analyzing links between transactions, and involving employees beyond the anti-fraud function.

Why modern fraud can no longer be treated as a problem for individual banks to solve. Fraud schemes increasingly exploit human behaviour, scale rapidly across borders and harness new technologies as effectively as financial institutions themselves. What this means for anti-fraud, why the market needs faster ways to share intelligence, and how the challenge is viewed by banks, regulators, industry associations and technology partners.