Case Study
Anti-Fraud "Family Joint-Defense"
Internal innovation award
Challenge
The elderly are prime fraud targets — and at the moment a high-risk transaction happens, adult children far away have no visibility and no way to step in. By the time anyone notices, the money is gone.
Approach
Built on existing risk-control/AML patterns to design real-time high-risk-transaction alerts with adult children as remote guardians.
A voice-guided interface lowers the barrier for elderly users; the data model is consent-first, privacy-by-design — PDPA purpose-limitation, data minimization and revocable consent.
Designed from a compliance officer's vantage point: innovation standing on regulatory ground from day one.
Results
- Recognized in NEXT BANK's internal innovation competition.
- Advancing to implementation planning.