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FICO
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FICO: Standardising fraud prevention APIs

FICO calls on mobile operators to enable fraud prevention APIs that protect consumers and strengthen trust in digital finance.

About enterprise API demands

Evolving financial crime demands real-time collaboration between banks and mobile network operators. FICO, working with Jersey Telecom (JT) and GSMA Fusion, is advancing the global rollout of fraud prevention APIs that connect telecom data with financial intelligence. Delivered through the FICO® Platform, the Scam Signal API analyses live telephony patterns to detect impersonation calls and block fraudulent payments before completion. This approach has already reduced scam losses by more than 40% for UK banks. Fraud prevention APIs, such as Scam Signal, SIM Swap, and Number Verification, give financial institutions the network insight they need to act instantly and protect customers. Through GSMA Fusion, FICO and JT are engaging mobile operators worldwide to align on common API standards, ensuring scalable, interoperable defences against APP fraud and restoring consumer trust in digital transactions.

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Cross-industry collaboration is paramount and major network operators together with banks need to act as innovators at a time when criminals are exploiting new technologies like AI. By fostering partnerships between major operators and banks, we can effectively combat scams and secure customer trust in South Africa

Scott Taylor, principal consultant, FICO
Problem
A red outline of a padlock is centered within a circle, surrounded by eight connected nodes, symbolizing online security, protection, or network safety on a light gray background.

APP fraud and impersonation scams are growing, costing banks billions annually.

Solution
A red line drawing of a lightbulb with circuit-like lines inside, symbolizing technology or innovation. Two sparkles appear on either side of the bulb, and short lines radiate from its top, suggesting brightness or creativity. The background is light gray.

Fraud prevention APIs use live network intelligence to detect and stop scams in real time.

API service
Red line drawing of a laptop with an outline of a person on the screen, three horizontal lines next to them, and a speech bubble with three dots above their head, symbolizing online communication or a virtual meeting.

Scam Signal, SIM Swap, and Number Verification APIs for real-time fraud detection.

Impact
A simple red line drawing of a rocket ship with three fins and a circular window, angled upward to the right. The rocket emits lines and dots from its base, representing thrust, on a plain light gray background.

Reduced fraud losses, improved consumer trust, and stronger operator-bank collaboration.

More information

What is Scam Signal?

It’s an AI-driven fraud prevention API using network data to identify suspicious calls and stop scams instantly.

What role do mobile operators play in stopping fraud?

Operators control the real-time signals that expose impersonation or SIM-swap activity, enabling faster, more accurate fraud detection.

How does GSMA Fusion support this initiative?

Fusion connects FICO, JT, and operators under the GSMA Open Gateway framework to standardise fraud prevention APIs globally.

Partners

This initiative is supported by:

Download the full Statement of Requirements

FICO Statement of Requirements