Fintech’s New Era 2026: Balancing Real-Time Payments Modernisation with AI Fraud Realities: By Nanne Parmar

Real-time payments infrastructure is live across APRA-regulated institutions in 2026, and fraud is learning faster than the controls.

The NPP processed 1.2 billion transactions last quarter. Fraud models that took weeks to retrain in 2024 now need daily updates. Compliance teams built for batch processing are suddenly accountable for decisions made in 400 milliseconds.

The gap between payment speed and governance speed is where the risk sits. At QikAI, we're seeing financial services clients ask a harder question: can agentic workflows close that gap without creating new operational risk under CPS 230?

The deck breaks down the mechanics, the compliance exposure, and what production-ready AI governance looks like when payments move faster than committees.

#FinTech #AIGovernance #RealTimePayments #CPS230 #AgenticWorkflows

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