[{"data":1,"prerenderedAt":114},["ShallowReactive",2],{"uc-reg-mas-shared-responsibility-framework":3},{"regulation":4,"includeUnpublished":11,"indexable":12,"useCases":13},{"id":5,"label":6,"issuer":7,"region":8,"url":9,"description":10},"mas-shared-responsibility-framework","MAS Shared Responsibility Framework","Monetary Authority of Singapore","asia-pacific","https:\u002F\u002Fwww.mas.gov.sg\u002Fregulation\u002Fguidelines\u002Fguidelines-on-shared-responsibility-framework","Singapore's framework that assigns banks and telcos duties and loss sharing for phishing scams.",false,true,[14,58,86],{"slug":15,"title":16,"shortTitle":17,"definition":18,"status":19,"industries":20,"functions":23,"patterns":26,"audience":30,"autonomy":31,"adoptionStage":32,"segment":33,"evidenceCount":34,"publicEvidenceCount":34,"organizations":35,"bestGrade":44,"headline":45,"lastVerified":55,"indexable":12,"euAiActTier":56,"euAiActBasis":57},"conversational-money-transfer-assistant","AI assistant for money transfers and bill payments by chat or voice","Conversational transfers and bill payment","A conversational money transfer assistant is an AI in a bank's app that turns a spoken or typed request into a transfer or bill payment. It works out who the money goes to from a name, a saved contact or an image, checks the amount against limits, and sends the payment over the bank's own rails under the authentication and fraud checks the bank applies in its app.","published",[21,22],"banking","payments",[24,25],"customer-service","operations",[27,28,29],"conversational-agent","voice-agent","agentic-workflow","customer-facing","supervised-agent","early-adopters","front-office",8,[36,37,38,39,40,41,42,43],"Bank ABB","Boost","Itaú Unibanco","Nubank","SBI Sumishin Net Bank","Starling Bank","Warba Bank","Wells Fargo","B",{"kpi":46,"label":47,"unit":48,"n":49,"nUpTo":50,"kind":51,"value":52,"qualifier":53,"claimant":54,"organization":39,"vendorReported":11},"processing-time-reduction","Cycle time reduction","percent",0,1,"reported",60,"up-to","organization","2026-10-14","limited","A customer facing assistant must make clear that people are dealing with AI, unless that is obvious from the context (Article 50). Preparing a payment the customer approves is not listed in Annex III. It becomes high risk if the same assistant evaluates creditworthiness, for example by deciding on an overdraft or credit line at the moment of payment (Annex III point 5(b)).",{"slug":59,"title":60,"shortTitle":61,"definition":62,"status":19,"industries":63,"functions":64,"patterns":66,"audience":30,"autonomy":31,"adoptionStage":32,"segment":33,"evidenceCount":68,"publicEvidenceCount":68,"organizations":69,"bestGrade":44,"headline":76,"lastVerified":84,"indexable":12,"euAiActTier":56,"euAiActBasis":85},"scam-payment-interception","AI scam intervention for instant payments","Scam payment interception","Scam payment interception is AI that talks to a customer who is about to authorize an instant payment that looks like a scam. It combines the payee check and the risk score, asks targeted questions about the payment in plain language, explains the specific scam pattern, and holds, delays or escalates the payment to a human specialist when the risk stays high. Unlike fraud scoring, which stops payments the customer did not make, it protects customers from payments they are being manipulated into making.",[21,22],[65,24],"fraud-prevention",[27,67,29,28],"prediction-and-scoring",7,[70,71,72,73,41,74,75],"Česká spořitelna","Commonwealth Bank of Australia","Mastercard","Revolut","Vodafone","Westpac",{"kpi":77,"label":78,"unit":48,"n":79,"nUpTo":49,"kind":80,"value":81,"qualifier":82,"claimant":54,"organization":83,"vendorReported":11},"fraud-loss-reduction","Fraud loss reduction",3,"median",40,"exact",null,"2026-09-26","Annex III point 5(b) expressly excludes AI systems used to detect financial fraud from the high risk creditworthiness category, so the scoring is not high risk. The conversational part must disclose that it is AI under Article 50(1). If a voice component infers the customer's emotions from their voice, it becomes an emotion recognition system under Annex III point 1(c), which is high risk and needs the Article 50(3) notice, so keep coaching detection to what is said rather than to biometric signals.",{"slug":87,"title":88,"shortTitle":89,"definition":90,"status":19,"industries":91,"functions":92,"patterns":93,"audience":95,"autonomy":96,"adoptionStage":97,"segment":98,"evidenceCount":99,"publicEvidenceCount":99,"organizations":100,"bestGrade":44,"headline":109,"lastVerified":111,"indexable":12,"euAiActTier":112,"euAiActBasis":113},"real-time-fraud-scoring","Real time fraud scoring for card and instant payments","Real time fraud scoring","Real time fraud scoring is machine learning that decides in milliseconds how likely each card authorization and account to account payment is to be fraudulent, so a bank can act. It works without any conversation, combining behavioral, device and network signals, so the bank can approve, challenge or block a payment before the money leaves. Working the resulting alerts and talking to the customer about them are separate use cases.",[21,22],[65],[67,94],"anomaly-detection","back-office","autonomous","mainstream","middle-office",12,[101,102,103,71,72,104,105,106,73,107,108],"Arab National Bank (anb)","ANZ, Commonwealth Bank, NAB, Suncorp Bank and Westpac (BioCatch Trust Australia)","Capitec Bank","NatWest Group","OVO","Pay.UK","Stripe","Visa",{"kpi":77,"label":78,"unit":48,"n":79,"nUpTo":49,"kind":80,"value":110,"qualifier":82,"claimant":54,"organization":83,"vendorReported":11},30,"2026-09-27","minimal","Annex III point 5(b) lists creditworthiness assessment and credit scoring of natural persons as high risk but explicitly excludes AI systems used for the purpose of detecting financial fraud, and payment fraud scoring is not otherwise listed in Annex III or prohibited by Article 5. Behavioural biometrics used only to confirm that customers are who they claim to be fall under the biometric verification exclusion in Annex III point 1(a). The model does not interact with people, so Article 50 does not apply. GDPR Article 22 can still apply to solely automated declines with significant effects on customers.",1792049868224]