{"id":594,"date":"2025-09-26T08:58:39","date_gmt":"2025-09-26T08:58:39","guid":{"rendered":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/?post_type=gsma_theme_study&p=594"},"modified":"2026-04-24T10:14:01","modified_gmt":"2026-04-24T10:14:01","slug":"scam-signal","status":"publish","type":"gsma_theme_study","link":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/","title":{"rendered":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud"},"content":{"rendered":"\n

Authorised Push Payment (APP) fraud has become a significant financial crime in UK, resulting in GBP 450.7 million in losses in 2024. To address this growing threat, UK Finance, GSMA, UK mobile operators (Vodafone, EE, and Virgin Media O2) and the UK banks collaborated to create Scam Signal, an API that uses real-time mobile network intelligence to detect scam indicators and support banks in preventing fraudulent transactions.<\/p>\n\n\n\n


Scam Signal API is now live across major UK networks, covering 85% of mobile users. Through JT and FICO, it has been deployed with UK banks providing improved detection rates of up to 40% and false positive rate of 3:1. A global rollout is now underway.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\n
Download use case<\/a><\/div>\n\n\n\n
Back to scam use case library<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n","protected":false},"excerpt":{"rendered":"

Authorised Push Payment (APP) fraud has become a significant financial crime in UK, resulting in GBP 450.7 million in losses in 2024. To address this growing threat, UK Finance, GSMA, UK mobile operators (Vodafone, EE, and Virgin Media O2) and the UK banks collaborated to create Scam Signal, an API that uses real-time mobile network […]<\/p>\n","protected":false},"author":8,"featured_media":1084,"template":"","meta":{"image":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png","json":{"gsma_study_logo":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/plugins\/plugin_gsmatheme_study\/assets\/case-study.jpg","gsma_study_category":"0","gsma_study_member":"0","gsma_study_website":"","gsma_study_email":"","gsma_study_twitter":"","gsma_study_facebook":"","gsma_study_linkedin":"","gsma_study_country":"","gsma_study_bg":false,"gsma_study_video":"","gsma_study_sdg":"","gsma_study_hfi":null,"gsma_study_orgs":""},"cats":{"company-name":[{"term_id":121,"name":"EE","slug":"ee","term_group":0,"term_taxonomy_id":121,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":114,"name":"O2","slug":"o2","term_group":0,"term_taxonomy_id":114,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":115,"name":"Virgin Media","slug":"virgin-media","term_group":0,"term_taxonomy_id":115,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":112,"name":"Vodafone","slug":"vodafone","term_group":0,"term_taxonomy_id":112,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"}],"region":[{"term_id":107,"name":"Europe","slug":"europe","term_group":0,"term_taxonomy_id":107,"taxonomy":"casestudy_categories","description":"","parent":54,"count":10,"filter":"raw"}],"theme":[{"term_id":57,"name":"Scam Call Detection and Blocking","slug":"scam-call-detection-and-blocking","term_group":0,"term_taxonomy_id":57,"taxonomy":"casestudy_categories","description":"","parent":53,"count":9,"filter":"raw"}]},"orgs":[]},"tags":[128],"casestudy_categories":[121,107,114,57,51,115,112],"algolia_discover_type":[40],"class_list":["post-594","gsma_theme_study","type-gsma_theme_study","status-publish","has-post-thumbnail","hentry","tag-security-leader","casestudy_categories-ee","casestudy_categories-europe","casestudy_categories-o2","casestudy_categories-scam-call-detection-and-blocking","casestudy_categories-use-case","casestudy_categories-virgin-media","casestudy_categories-vodafone","algolia_discover_type-case-study"],"yoast_head":"\nScam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA<\/title>\n<meta name=\"description\" content=\"Scam Signal API is a cross-industry solution for Authorised Push Payment (APP) Fraud\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA\" \/>\n<meta property=\"og:description\" content=\"Frete.com is now employing the CAMARA-based Know Your Customer Match API to validate the identity of drivers during its authentication process\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/\" \/>\n<meta property=\"og:site_name\" content=\"Scams\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-24T10:14:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png\" \/>\n\t<meta property=\"og:image:width\" content=\"801\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA\" \/>\n<meta name=\"twitter:description\" content=\"Frete.com is now employing the CAMARA-based Know Your Customer Match API to validate the identity of drivers during its authentication process\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA","description":"Scam Signal API is a cross-industry solution for Authorised Push Payment (APP) Fraud","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/","og_locale":"en_US","og_type":"article","og_title":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA","og_description":"Frete.com is now employing the CAMARA-based Know Your Customer Match API to validate the identity of drivers during its authentication process","og_url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/","og_site_name":"Scams","article_modified_time":"2026-04-24T10:14:01+00:00","og_image":[{"width":801,"height":400,"url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_title":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA","twitter_description":"Frete.com is now employing the CAMARA-based Know Your Customer Match API to validate the identity of drivers during its authentication process","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/","name":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud - Scams - GSMA","isPartOf":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/#primaryimage"},"image":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/#primaryimage"},"thumbnailUrl":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png","datePublished":"2025-09-26T08:58:39+00:00","dateModified":"2026-04-24T10:14:01+00:00","description":"Scam Signal API is a cross-industry solution for Authorised Push Payment (APP) Fraud","breadcrumb":{"@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/#primaryimage","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png","contentUrl":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-content\/uploads\/2025\/09\/scam-signal-800-x-400.png","width":801,"height":400,"caption":"A man with short dark hair and glasses, wearing a denim jacket, stands outside at night checking Frete.com on his mobile phone. Bright city lights and blurred streetlights create a colourful bokeh effect reflecting off the glass beside him."},{"@type":"BreadcrumbList","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/gsma_study\/scam-signal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/"},{"@type":"ListItem","position":2,"name":"Scam Signal: Telcos Worldwide Join Forces Against Social Engineering Fraud"}]},{"@type":"WebSite","@id":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/#website","url":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/","name":"Scams","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"cats":[{"term_id":106,"name":"Africa","slug":"africa","term_group":0,"term_taxonomy_id":106,"taxonomy":"casestudy_categories","description":"","parent":54,"count":0,"filter":"raw"},{"term_id":55,"name":"Airtel","slug":"airtel-company-name","term_group":0,"term_taxonomy_id":55,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":56,"name":"APAC","slug":"apac","term_group":0,"term_taxonomy_id":56,"taxonomy":"casestudy_categories","description":"","parent":54,"count":11,"filter":"raw"},{"term_id":94,"name":"Apate","slug":"apate","term_group":0,"term_taxonomy_id":94,"taxonomy":"casestudy_categories","description":"","parent":52,"count":0,"filter":"raw"},{"term_id":120,"name":"AT&T","slug":"att","term_group":0,"term_taxonomy_id":120,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":122,"name":"Bell","slug":"bell","term_group":0,"term_taxonomy_id":122,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":105,"name":"Branded Calling","slug":"branded-calling","term_group":0,"term_taxonomy_id":105,"taxonomy":"casestudy_categories","description":"","parent":53,"count":1,"filter":"raw"},{"term_id":96,"name":"BT","slug":"bt","term_group":0,"term_taxonomy_id":96,"taxonomy":"casestudy_categories","description":"","parent":52,"count":2,"filter":"raw"},{"term_id":123,"name":"China Mobile","slug":"china-mobile","term_group":0,"term_taxonomy_id":123,"taxonomy":"casestudy_categories","description":"","parent":52,"count":2,"filter":"raw"},{"term_id":52,"name":"Company name","slug":"company-name","term_group":0,"term_taxonomy_id":52,"taxonomy":"casestudy_categories","description":"","parent":51,"count":0,"filter":"raw"},{"term_id":104,"name":"Customer Education and Awareness Campaigns","slug":"customer-education-and-awareness-campaigns","term_group":0,"term_taxonomy_id":104,"taxonomy":"casestudy_categories","description":"","parent":53,"count":0,"filter":"raw"},{"term_id":121,"name":"EE","slug":"ee","term_group":0,"term_taxonomy_id":121,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":92,"name":"Ericsson","slug":"ericsson","term_group":0,"term_taxonomy_id":92,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":107,"name":"Europe","slug":"europe","term_group":0,"term_taxonomy_id":107,"taxonomy":"casestudy_categories","description":"","parent":54,"count":10,"filter":"raw"},{"term_id":99,"name":"Globe","slug":"globe","term_group":0,"term_taxonomy_id":99,"taxonomy":"casestudy_categories","description":"","parent":52,"count":0,"filter":"raw"},{"term_id":108,"name":"Greater China","slug":"greater-china","term_group":0,"term_taxonomy_id":108,"taxonomy":"casestudy_categories","description":"","parent":54,"count":2,"filter":"raw"},{"term_id":97,"name":"KDDI","slug":"kddi","term_group":0,"term_taxonomy_id":97,"taxonomy":"casestudy_categories","description":"","parent":52,"count":2,"filter":"raw"},{"term_id":109,"name":"LATAM","slug":"latam","term_group":0,"term_taxonomy_id":109,"taxonomy":"casestudy_categories","description":"","parent":54,"count":2,"filter":"raw"},{"term_id":134,"name":"LG Uplus","slug":"lg-uplus","term_group":0,"term_taxonomy_id":134,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":118,"name":"Liberty","slug":"liberty","term_group":0,"term_taxonomy_id":118,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":119,"name":"M\u00e1sM\u00f3vil","slug":"masmovil","term_group":0,"term_taxonomy_id":119,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":110,"name":"MENA","slug":"mena","term_group":0,"term_taxonomy_id":110,"taxonomy":"casestudy_categories","description":"","parent":54,"count":0,"filter":"raw"},{"term_id":95,"name":"Nokia","slug":"nokia","term_group":0,"term_taxonomy_id":95,"taxonomy":"casestudy_categories","description":"","parent":52,"count":0,"filter":"raw"},{"term_id":111,"name":"North America","slug":"north-america","term_group":0,"term_taxonomy_id":111,"taxonomy":"casestudy_categories","description":"","parent":54,"count":2,"filter":"raw"},{"term_id":114,"name":"O2","slug":"o2","term_group":0,"term_taxonomy_id":114,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":100,"name":"Proximus","slug":"proximus","term_group":0,"term_taxonomy_id":100,"taxonomy":"casestudy_categories","description":"","parent":52,"count":0,"filter":"raw"},{"term_id":54,"name":"Region","slug":"region","term_group":0,"term_taxonomy_id":54,"taxonomy":"casestudy_categories","description":"","parent":51,"count":2,"filter":"raw"},{"term_id":113,"name":"Rogers","slug":"rogers","term_group":0,"term_taxonomy_id":113,"taxonomy":"casestudy_categories","description":"","parent":52,"count":2,"filter":"raw"},{"term_id":116,"name":"Samsung","slug":"samsung","term_group":0,"term_taxonomy_id":116,"taxonomy":"casestudy_categories","description":"","parent":52,"count":2,"filter":"raw"},{"term_id":57,"name":"Scam Call Detection and Blocking","slug":"scam-call-detection-and-blocking","term_group":0,"term_taxonomy_id":57,"taxonomy":"casestudy_categories","description":"","parent":53,"count":9,"filter":"raw"},{"term_id":102,"name":"SIM Swap Fraud Prevention","slug":"sim-swap-fraud-prevention","term_group":0,"term_taxonomy_id":102,"taxonomy":"casestudy_categories","description":"","parent":53,"count":2,"filter":"raw"},{"term_id":101,"name":"SMS Phishing (Smishing) Detection","slug":"sms-phishing-smishing-detection","term_group":0,"term_taxonomy_id":101,"taxonomy":"casestudy_categories","description":"","parent":53,"count":6,"filter":"raw"},{"term_id":103,"name":"Subscription Fraud Prevention","slug":"subscription-fraud-prevention","term_group":0,"term_taxonomy_id":103,"taxonomy":"casestudy_categories","description":"","parent":53,"count":2,"filter":"raw"},{"term_id":117,"name":"Telenor","slug":"telenor","term_group":0,"term_taxonomy_id":117,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":53,"name":"Theme","slug":"theme","term_group":0,"term_taxonomy_id":53,"taxonomy":"casestudy_categories","description":"","parent":51,"count":1,"filter":"raw"},{"term_id":93,"name":"TPG Telecom","slug":"tpg-telecom","term_group":0,"term_taxonomy_id":93,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":125,"name":"T\u00fcrk Telekom","slug":"turk-telekom","term_group":0,"term_taxonomy_id":125,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":98,"name":"Turkcell","slug":"turkcell","term_group":0,"term_taxonomy_id":98,"taxonomy":"casestudy_categories","description":"","parent":52,"count":1,"filter":"raw"},{"term_id":51,"name":"Use case","slug":"use-case","term_group":0,"term_taxonomy_id":51,"taxonomy":"casestudy_categories","description":"","parent":0,"count":20,"filter":"raw"},{"term_id":115,"name":"Virgin Media","slug":"virgin-media","term_group":0,"term_taxonomy_id":115,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"},{"term_id":112,"name":"Vodafone","slug":"vodafone","term_group":0,"term_taxonomy_id":112,"taxonomy":"casestudy_categories","description":"","parent":52,"count":3,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/gsma_theme_study\/594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/gsma_theme_study"}],"about":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/types\/gsma_theme_study"}],"author":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/users\/8"}],"version-history":[{"count":8,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/gsma_theme_study\/594\/revisions"}],"predecessor-version":[{"id":1097,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/gsma_theme_study\/594\/revisions\/1097"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/media\/1084"}],"wp:attachment":[{"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/media?parent=594"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/tags?post=594"},{"taxonomy":"casestudy_categories","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/casestudy_categories?post=594"},{"taxonomy":"algolia_discover_type","embeddable":true,"href":"https:\/\/www.gsma.com\/solutions-and-impact\/technologies\/security\/scams\/wp-json\/wp\/v2\/algolia_discover_type?post=594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}