{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,14]],"date-time":"2026-04-14T23:47:44Z","timestamp":1776210464756,"version":"3.50.1"},"publisher-location":"Cham","reference-count":48,"publisher":"Springer Nature Switzerland","isbn-type":[{"value":"9783032167781","type":"print"},{"value":"9783032167798","type":"electronic"}],"license":[{"start":{"date-parts":[[2026,1,1]],"date-time":"2026-01-01T00:00:00Z","timestamp":1767225600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"},{"start":{"date-parts":[[2026,1,1]],"date-time":"2026-01-01T00:00:00Z","timestamp":1767225600000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2026]]},"DOI":"10.1007\/978-3-032-16779-8_15","type":"book-chapter","created":{"date-parts":[[2026,4,14]],"date-time":"2026-04-14T22:52:20Z","timestamp":1776207140000},"page":"226-242","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":0,"title":["Advancing FinTech Fraud Literacy Through Intelligent User Awareness"],"prefix":"10.1007","author":[{"given":"Waqas","family":"Ahmed","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Yogesh K.","family":"Dwivedi","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","published-online":{"date-parts":[[2026,4,1]]},"reference":[{"issue":"55","key":"15_CR1","doi-asserted-by":"publisher","first-page":"281","DOI":"10.55643\/fcaptp.2.55.2024.4323","volume":"2","author":"A Kutbi","year":"2024","unstructured":"Kutbi, A., Alsilimani, A., Khan, R.M.: The effect of buy now, pay later FinTech on traditional financial services and consumer behavior in saudi Arabia. Financ. Credit Act. Probl. theory Pract. 2(55), 281\u2013297 (2024). https:\/\/doi.org\/10.55643\/fcaptp.2.55.2024.4323","journal-title":"Financ. Credit Act. Probl. theory Pract."},{"issue":"6","key":"15_CR2","doi-asserted-by":"publisher","first-page":"835","DOI":"10.1080\/08874417.2023.2251455","volume":"64","author":"S AlBenJasim","year":"2024","unstructured":"AlBenJasim, S., Dargahi, T., Takruri, H., Al-Zaidi, R.: FinTech cybersecurity challenges and regulations: Bahrain case study. J. Comput. Inf. Syst. 64(6), 835\u2013851 (2024). https:\/\/doi.org\/10.1080\/08874417.2023.2251455","journal-title":"J. Comput. Inf. Syst."},{"key":"15_CR3","doi-asserted-by":"publisher","unstructured":"Despotovi\u0107, A., Parmakovi\u0107, A., Miljkovi\u0107, M.: Cybercrime and cyber security in FinTech. In: Digital Transformation of the Financial Industry (pp. 255\u2013272) (2023). https:\/\/doi.org\/10.1007\/978-3-031-23269-5_15","DOI":"10.1007\/978-3-031-23269-5_15"},{"key":"15_CR4","doi-asserted-by":"publisher","unstructured":"Kaur, G., Habibi Lashkari, Z., Habibi Lashkari, A.: Understanding cybersecurity management in FinTech. In: Future of Business and Finance. Springer International Publishing, Cham (2021). https:\/\/doi.org\/10.1007\/978-3-030-79915-1","DOI":"10.1007\/978-3-030-79915-1"},{"key":"15_CR5","unstructured":"Entrust: 2025 identity fraud report (2024). https:\/\/www.entrust.com\/sites\/default\/files\/documentation\/reports\/2025-identity-fraud-report.pdf"},{"key":"15_CR6","unstructured":"Experian: Synthetic fraud reaches record levels. Experian. https:\/\/www.experianplc.com\/newsroom\/press-releases\/2025\/-synthetic-fraud--reaches-record-levels"},{"issue":"2","key":"15_CR7","doi-asserted-by":"publisher","first-page":"2301","DOI":"10.30574\/wjarr.2024.24.2.3617","volume":"24","author":"O Angela","year":"2024","unstructured":"Angela, O., Atoyebi, I., Soyele, A., Ogunwobi, E.: Enhancing fraud detection and prevention in FinTech: big data and machine learning approaches. World J. Adv. Res. Rev. 24(2), 2301\u20132319 (2024). https:\/\/doi.org\/10.30574\/wjarr.2024.24.2.3617","journal-title":"World J. Adv. Res. Rev."},{"key":"15_CR8","unstructured":"Regan, G.: The state of deepfake threats in finance. Reality Defender. https:\/\/www.realitydefender.com\/insights\/the-state-of-deepfake-threats-in-finance"},{"key":"15_CR9","unstructured":"Hoover, A.: I scammed my bank with just an AI voice generator and a phone call. Business Insider. https:\/\/www.businessinsider.com\/bank-account-scam-deepfakes-ai-voice-generator-crime-fraud-2025-5"},{"issue":"3","key":"15_CR10","doi-asserted-by":"publisher","first-page":"26","DOI":"10.5815\/ijmsc.2024.03.03","volume":"10","author":"A Bhowmik","year":"2024","unstructured":"Bhowmik, A.: Raising digital security awareness in the FinTech sector: case studies and defense mechanisms. Int. J. Math. Sci. Comput. 10(3), 26\u201336 (2024). https:\/\/doi.org\/10.5815\/ijmsc.2024.03.03","journal-title":"Int. J. Math. Sci. Comput."},{"issue":"4\u20135","key":"15_CR11","doi-asserted-by":"publisher","first-page":"297","DOI":"10.1080\/1351847x.2020.1717569","volume":"26","author":"GA Panos","year":"2020","unstructured":"Panos, G.A., Wilson, J.O.S.: Financial literacy and responsible finance in the FinTech era: capabilities and challenges. Eur. J. Financ. 26(4\u20135), 297\u2013301 (2020). https:\/\/doi.org\/10.1080\/1351847x.2020.1717569","journal-title":"Eur. J. Financ."},{"key":"15_CR12","unstructured":"Ferraz, A.: Fraud-as-a-service: the productization of online scams. Forbes. https:\/\/www.forbes.com\/councils\/forbestechcouncil\/2024\/08\/07\/fraud-as-a-service-the-productization-of-online-scams\/"},{"key":"15_CR13","unstructured":"FinTech Futures: 2024 document fraud report. FinTech Futures. https:\/\/www.fintechfutures.com\/regulatory-actions\/2024-document-fraud-report"},{"key":"15_CR14","unstructured":"Verizon: 2024 data breach investigations report (2024). https:\/\/www.verizon.com\/business\/resources\/reports\/2024-dbir-data-breach-investigations-report.pdf"},{"key":"15_CR15","unstructured":"Alkami Technology: Defending online banking platforms from credential stuffing attacks. Alkami Technology. https:\/\/www.alkami.com\/blog\/defending-online-banking-platforms-from-credential-stuffing-attacks"},{"issue":"4","key":"15_CR16","doi-asserted-by":"publisher","first-page":"602","DOI":"10.51594\/farj.v6i4.1036","volume":"6","author":"PO Shoetan","year":"2024","unstructured":"Shoetan, P.O., Familoni, B.T.: Transforming FinTech fraud detection with advanced artificial intelligence algorithms. Financ. Account. Res. J. 6(4), 602\u2013625 (2024). https:\/\/doi.org\/10.51594\/farj.v6i4.1036","journal-title":"Financ. Account. Res. J."},{"key":"15_CR17","doi-asserted-by":"publisher","unstructured":"Rahman, H., bin Ahsan, W.: Fraud mitigation, usability challenges, and financial literacy in mobile financial services for rural Bangladesh. Userhub J. (2024). https:\/\/doi.org\/10.58947\/journal.wpgr45","DOI":"10.58947\/journal.wpgr45"},{"key":"15_CR18","doi-asserted-by":"publisher","unstructured":"Al-Ghamdi, B.A.M.A.-R.: Selection of a trustworthy technique for fraud prevention in the digital banking sector. Int. J. Adv. Comput. Sci. Appl. 14(11) (2023). https:\/\/doi.org\/10.14569\/ijacsa.2023.0141124","DOI":"10.14569\/ijacsa.2023.0141124"},{"issue":"6","key":"15_CR19","doi-asserted-by":"publisher","first-page":"1505","DOI":"10.51594\/csitrj.v5i6.1252","volume":"5","author":"OA Bello","year":"2024","unstructured":"Bello, O.A., Olufemi, K.: Artificial intelligence in fraud prevention: exploring techniques and applications challenges and opportunities. Comput. Sci. IT Res. J. 5(6), 1505\u20131520 (2024). https:\/\/doi.org\/10.51594\/csitrj.v5i6.1252","journal-title":"Comput. Sci. IT Res. J."},{"issue":"03","key":"15_CR20","doi-asserted-by":"publisher","first-page":"32","DOI":"10.70906\/20211503032046","volume":"15","author":"R Agarwal","year":"2021","unstructured":"Agarwal, R., Jain, M., Arora, R.: Importance of financial literacy in identification and prevention of financial fraud. J. Manag. Entrep. 15(03), 32\u201346 (2021). https:\/\/doi.org\/10.70906\/20211503032046","journal-title":"J. Manag. Entrep."},{"issue":"2","key":"15_CR21","doi-asserted-by":"publisher","first-page":"35","DOI":"10.17549\/gbfr.2024.29.2.35","volume":"29","author":"TN Amelia","year":"2024","unstructured":"Amelia, T.N., Amal, A.G.S.: Investment trend on millennials and FinTech fraud mitigation. Glob. Bus. Financ. Rev. 29(2), 35\u201346 (2024). https:\/\/doi.org\/10.17549\/gbfr.2024.29.2.35","journal-title":"Glob. Bus. Financ. Rev."},{"key":"15_CR22","doi-asserted-by":"publisher","unstructured":"Afzal, M., Meraj, M., M. Kaur, and M. Shamim Ansari, \u201cHow does cybersecurity awareness help in achieving digital financial inclusion in rural India under escalating cyber fraud scenario? J. Cyber Secur. Technol. 9(2), 88\u2013126 (2025). https:\/\/doi.org\/10.1080\/23742917.2024.2347674","DOI":"10.1080\/23742917.2024.2347674"},{"issue":"02","key":"15_CR23","doi-asserted-by":"publisher","first-page":"1","DOI":"10.55041\/ijsrem27483","volume":"09","author":"V Sharma","year":"2025","unstructured":"Sharma, V.: The future of automation in financial technology: leveraging AI to enhance fraud detection and risk management. INTERANTIONAL J. Sci. Res. Eng. Manag. 09(02), 1\u20137 (2025). https:\/\/doi.org\/10.55041\/ijsrem27483","journal-title":"INTERANTIONAL J. Sci. Res. Eng. Manag."},{"key":"15_CR24","unstructured":"D\u2019Andrea, A.: The most recent credential stuffing attacks on companies in 2024. https:\/\/www.keepersecurity.com\/blog\/2024\/09\/13\/the-most-recent-credential-stuffing-attacks-on-companies-in-2024\/"},{"key":"15_CR25","doi-asserted-by":"publisher","DOI":"10.53555\/ephijse.v10i3.262","author":"S Boosa","year":"2024","unstructured":"Boosa, S.: \u201cAI-powered risk management in FinTech: leveraging big data for fraud detection. EPH\u2014Int. J. Sci. Eng. (2024). https:\/\/doi.org\/10.53555\/ephijse.v10i3.262","journal-title":"EPH\u2014Int. J. Sci. Eng."},{"key":"15_CR26","doi-asserted-by":"publisher","unstructured":"Mohamad, M., Jaafar, N.F.M., Jusoh, F., Abidin, R.A.Z.: From threat to shield: how FinTech empowers financial institutions in combating fraud. Int. J. Res. Innov. Soc. Sci. 8(14), 346\u2013354 (2024). https:\/\/doi.org\/10.47772\/ijriss.2024.814mg0030","DOI":"10.47772\/ijriss.2024.814mg0030"},{"issue":"1","key":"15_CR27","doi-asserted-by":"publisher","first-page":"54","DOI":"10.52783\/dxjb.v36.141","volume":"36","author":"E Ellahi","year":"2024","unstructured":"Ellahi, E.: Fraud detection and prevention in finance: leveraging artificial intelligence and big data. Dandao Xuebao\/J. Ballist. 36(1), 54\u201362 (2024). https:\/\/doi.org\/10.52783\/dxjb.v36.141","journal-title":"Dandao Xuebao\/J. Ballist."},{"key":"15_CR28","unstructured":"Ricketts, D.: \u2018It sounds like me even though it\u2019s not me\u2019: Deepfake scams put City firms on high alert. fnlondon. https:\/\/www.fnlondon.com\/articles\/it-sounds-like-me-even-though-its-not-me-deepfake-scams-put-city-firms-on-high-alert-cb6a2bb6"},{"key":"15_CR29","unstructured":"Bondar, I.: Account takeover fraud statistics (2024). Veriff. https:\/\/www.veriff.com\/fraud\/news\/account-takeover-fraud-statistics"},{"issue":"5","key":"15_CR30","doi-asserted-by":"publisher","first-page":"102","DOI":"10.56805\/grrbe.24.10.5.65","volume":"10","author":"V Komandla","year":"2024","unstructured":"Komandla, V.: Enhancing security and fraud prevention in fintech: comprehensive strategies for secure online account opening. Glob. Res. Rev. Bus. Econ. 10(5), 102\u2013112 (2024). https:\/\/doi.org\/10.56805\/grrbe.24.10.5.65","journal-title":"Glob. Res. Rev. Bus. Econ."},{"key":"15_CR31","unstructured":"Chainalysis: 2024 pig butchering crypto scam revenue grows 40% YoY as industry increases sophistication (2025). https:\/\/www.chainalysis.com\/blog\/2024-pig-butchering-scam-revenue-grows-yoy"},{"key":"15_CR32","unstructured":"DFPI: Pig Butchering Scam Playbook (2025). https:\/\/dfpi.ca.gov\/wp-content\/uploads\/2025\/03\/Pig-Butchering-Scam-Playbook.pdf"},{"key":"15_CR33","unstructured":"Jones, R.: UK banks urged to beef up anti-fraud systems for international payments. The Gaurdian (2025). https:\/\/www.theguardian.com\/money\/2025\/may\/31\/uk-banks-urged-beef-up-anti-fraud-systems-international-payments"},{"key":"15_CR34","unstructured":"Khan, A.: More than \u00a3649mn lost to investment fraud in 2024. FT Advisor. https:\/\/www.ftadviser.com\/fraud\/2025\/5\/12\/more-than-649mn-lost-to-investment-fraud-in-2024\/"},{"key":"15_CR35","unstructured":"Leicestershire Police: Over \u00a35m lost to investment fraud in 2024. Leicestershire Police. https:\/\/www.leics.police.uk\/news\/leicestershire\/news\/2025\/april\/over-5m-lost-to-investment-fraud-in-2024"},{"key":"15_CR36","unstructured":"Scott, O.: Major warning to billions of WhatsApp users over worrying \u2018cloning\u2019 tool that tricks victims into handing over \u00a31,000s. The Sun (2025). https:\/\/www.thesun.co.uk\/tech\/35170962\/whatsapp-clone-scam-warning"},{"key":"15_CR37","unstructured":"Lakshmanan, R.: Ghost tap: hackers exploiting NFCGate to steal funds via mobile payments. The Hack News. https:\/\/thehackernews.com\/2024\/11\/ghost-tap-hackers-exploiting-nfcgate-to.html"},{"key":"15_CR38","unstructured":"Apple: The App Store prevented more than $9 billion in fraudulent transactions over the last five years. Apple Inc. https:\/\/www.apple.com\/newsroom\/2025\/05\/the-app-store-prevented-more-than-9-billion-usd-in-fraudulent-transactions\/"},{"key":"15_CR39","unstructured":"Luverne Journal: Scammers now phishing with quishing. https:\/\/www.luvernejournal.com\/2024\/09\/22\/scammers-now-phishing-with-quishing\/"},{"key":"15_CR40","unstructured":"Jones, R.: \u2018Remote purchase\u2019 fraud in UK surges as customers tricked into disclosing passcodes. The Gaurdian (2025). https:\/\/www.theguardian.com\/money\/2025\/may\/28\/remote-purchase-fraud-uk-surges-customers-tricked-passcodes"},{"key":"15_CR41","unstructured":"Crozier, R.: Australia\u2019s Big 4 banks \u2018exit\u2019 thousands of suspected mule accounts. ITNEWS. https:\/\/www.itnews.com.au\/news\/australias-big-4-banks-exit-thousands-of-suspected-mule-accounts-614079"},{"key":"15_CR42","unstructured":"Daly, D.: Top fraud trends and predictions for 2025\u2014and how will the industry respond? Datavisor. https:\/\/www.datavisor.com\/blog\/fraud-trends-predictions-2025"},{"key":"15_CR43","unstructured":"Bhat, D.: 5 fraud trends shaping up in 2024. Unit21. https:\/\/www.unit21.ai\/blog\/5-fraud-trends-shaping-up-in-2024"},{"issue":"2","key":"15_CR44","doi-asserted-by":"publisher","first-page":"1688","DOI":"10.30574\/wjarr.2024.23.2.2500","volume":"23","author":"TO Sonubi","year":"2024","unstructured":"Sonubi, T.O., et al.: Design and development of a FinTech-based algorithmic framework for detecting and preventing cross-border financial terrorism. World J. Adv. Res. Rev. 23(2), 1688\u20131698 (2024). https:\/\/doi.org\/10.30574\/wjarr.2024.23.2.2500","journal-title":"World J. Adv. Res. Rev."},{"key":"15_CR45","doi-asserted-by":"publisher","first-page":"262","DOI":"10.1016\/j.jnca.2017.10.011","volume":"103","author":"K Gai","year":"2018","unstructured":"Gai, K., Qiu, M., Sun, X.: A survey on FinTech. J. Netw. Comput. Appl. 103, 262\u2013273 (2018). https:\/\/doi.org\/10.1016\/j.jnca.2017.10.011","journal-title":"J. Netw. Comput. Appl."},{"issue":"1","key":"15_CR46","doi-asserted-by":"publisher","first-page":"2304","DOI":"10.32628\/cseit251112241","volume":"11","author":"P Ravisankar","year":"2025","unstructured":"Ravisankar, P.: AI-powered fraud detection and risk management in FinTech: safeguarding transactions with machine learning. Int. J. Sci. Res. Comput. Sci. Eng. Inf. Technol. 11(1), 2304\u20132310 (2025). https:\/\/doi.org\/10.32628\/cseit251112241","journal-title":"Int. J. Sci. Res. Comput. Sci. Eng. Inf. Technol."},{"key":"15_CR47","doi-asserted-by":"publisher","unstructured":"Una, B.K., Prabowo, H.Y.: FinTech lending fraud prevention strategy: a case study. J. Contemp. Account. 37\u201352 (2022). https:\/\/doi.org\/10.20885\/jca.vol4.iss1.art4","DOI":"10.20885\/jca.vol4.iss1.art4"},{"issue":"1","key":"15_CR48","doi-asserted-by":"publisher","first-page":"495","DOI":"10.30574\/wjaets.2024.12.1.0057","volume":"12","author":"TO Fatunmbi","year":"2024","unstructured":"Fatunmbi, T.O.: Advanced frameworks for fraud detection leveraging quantum machine learning and data science in FinTech ecosystems. World J. Adv. Eng. Technol. Sci. 12(1), 495\u2013513 (2024). https:\/\/doi.org\/10.30574\/wjaets.2024.12.1.0057","journal-title":"World J. Adv. Eng. Technol. Sci."}],"container-title":["IFIP Advances in Information and Communication Technology","Digital Adoption, Diffusion and Innovation in the Augmented and Digital Society"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/978-3-032-16779-8_15","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2026,4,14]],"date-time":"2026-04-14T22:52:22Z","timestamp":1776207142000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/978-3-032-16779-8_15"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2026]]},"ISBN":["9783032167781","9783032167798"],"references-count":48,"URL":"https:\/\/doi.org\/10.1007\/978-3-032-16779-8_15","relation":{},"ISSN":["1868-4238","1868-422X"],"issn-type":[{"value":"1868-4238","type":"print"},{"value":"1868-422X","type":"electronic"}],"subject":[],"published":{"date-parts":[[2026]]},"assertion":[{"value":"1 April 2026","order":1,"name":"first_online","label":"First Online","group":{"name":"ChapterHistory","label":"Chapter History"}},{"value":"TDIT","order":1,"name":"conference_acronym","label":"Conference Acronym","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"International Working Conference on Transfer and Diffusion of IT","order":2,"name":"conference_name","label":"Conference Name","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Jakarta","order":3,"name":"conference_city","label":"Conference City","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"Indonesia","order":4,"name":"conference_country","label":"Conference Country","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"2025","order":5,"name":"conference_year","label":"Conference Year","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"2 September 2025","order":7,"name":"conference_start_date","label":"Conference Start Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"2 September 2025","order":8,"name":"conference_end_date","label":"Conference End Date","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"21","order":9,"name":"conference_number","label":"Conference Number","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"tdit2025","order":10,"name":"conference_id","label":"Conference ID","group":{"name":"ConferenceInfo","label":"Conference Information"}},{"value":"https:\/\/accounting.binus.ac.id\/IFIP-2025","order":11,"name":"conference_url","label":"Conference URL","group":{"name":"ConferenceInfo","label":"Conference Information"}}]}}