Fraud-as-a-Service, Stablecoins & the Future of Financial Crime

Couchonomics with Arjun

Fraud just had its AI upgrade.
It’s faster than your payments and industrialised at a global scale.
Welcome to the Scamdemic — a global wave of scams and financial crime growing faster than almost any asset class.
We’re joined by Simon Taylor, Head of Strategy at Sardine and Co-Founder of 11:FS. Together, we unpack how fraud has evolved, why it’s so hard to stop, and what financial institutions, fintechs, and regulators must do now.
Inside the episode:
- Why faster payments = faster fraud
- Deepfakes, fraud-as-a-service, and industrialised scam call centres
- Why liability shifts and reimbursements can fuel crime instead of stopping it
- The missed open banking opportunity: building a global “fraud utility”
- Stablecoins, AI agents, and the next wave of attack surfaces
- How to protect customers without killing innovation
Whether you work in banking, fintech, payments, or policy, this episode will change how you think about fraud prevention in the age of AI and real-time payments.
🎧 Listen now and stay ahead of the Scamdemic.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
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Mastercard https://mastercard.com/
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Hala https://hala.com/

Chapters:
00:00 Episode Highlights
02:04 The Scam Epidemic: An Overview
06:33 The Impact of Fraud on Financial Institutions
14:14 Introducing Sardine: AI-Powered Financial Crime Platform
19:17 Global Fraud Typologies and Real-Time Payments
22:47 Global Reactions to the Pandemic
23:46 The Impact on Wealthy Individuals and Businesses
24:43 The Need for Transparency and Best Practices
25:23 Regulatory Responses and Fraud Prevention
26:34 The Role of Social Media in Fraud
27:38 Challenges in Fraud Prevention and Coordination
29:42 Opportunities in Open Banking and Data Sharing
34:31 Digital Assets and Stablecoins
39:08 The Role of AI in Fraud Prevention
42:10 Future of Financial Crime and Conclusion

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