Real-time payments (RTP) are growing rapidly, with 161% growth forecast between 2024 and 2028 in the value of global RTP, according to Juniper Research data. However, with the rise in popularity of RTP, fraud risks are also growing, with fraud becoming faster and more difficult to intercept. The risk of Authorised Push Payment (APP) scams is a particular area where RTP are vulnerable, creating a perfect storm for financial institutions and customers alike.