Different approaches to shared responsibility

The impact of scams is being felt around the world. In 2025, Australians made more than 481,000 scam reports, Canada recorded more than 112,000 fraud cases, and Singapore reported 37,308 scam cases. In the UK, an estimated two-thirds of scam offenders targeting UK victims are based overseas, highlighting the cross-border nature of the challenge.

 

The report highlights how governments are taking different approaches to where responsibility sits across the scams ecosystem, including the roles of banks, telecommunications providers and digital platforms in preventing and responding to scams.

 

Australia is introducing cross-sector obligations for banks, telecommunications providers and digital platforms. Singapore has established specific responsibilities for financial institutions and telecommunications providers. The UK requires reimbursement for eligible authorised push-payment fraud up to £85,000, while Canada is developing a National Anti-Fraud Strategy.

 

Across the four country profiles, the report identifies three emerging areas of focus: multi-sector approaches; public-private cooperation and intelligence sharing; and victim support.

 

The report also examines international and private sector initiatives supporting cooperation across borders, including intelligence sharing and coordinated disruption of scams that can span multiple countries.

 

Rather than ranking countries or prescribing a single model, the report provides comparative international context to inform policy responses and support leaders to navigate across jurisdictions.

Find out more about TPDi’s Report –  Countering AI-Enabled Scams: Insights from Australia, Canada, Singapore and the UK