Financial crime is shifting faster than ever. In 2025, the map was redrawn once again.
Fincrime Time Machine is your essential guide to what’s changing. Featuring insights from experts at Revolut, TransUnion, SEB Bank, Ebury and more, this year’s contributors — led by Guest Editor Dr Nicola Harding — describe an industry shaped by three converging forces: smarter crime, faster payments and more demanding regulation.
Together, these forces are redefining what it means to keep people and systems safe.
Threaded through all of this is the role of people. Burnout, emotional load, skill shortages and “ten-second decisions” all feature in this year’s insights — as does pride, purpose and a deep sense of mission across the community.
Your Fincrime Time Machine brings these perspectives together — not to offer certainty, but clarity — as we enter the most complex year yet.
Key themes include
- AI is no longer emerging: how it is eroding traditional trust signals
- Ten-second decisions: the pressure that instant payments place on fraud and AML teams
- The regulatory wave: reimbursement, liability expansion, explainable AI and unified risk models
- Synthetic identities and industrialised social engineering
- Shared utilities and federated learning: the next chapter of intelligence sharing
- Behavioural analytics, perpetual KYC and unified data stacks
- The human dimension: burnout, psychological load, resilience and wellbeing
