BioCatch-Digital-Banking-Fraud-Trends-in-Thailand-2026.md

This BioCatch 2026 Thailand survey of 100 banking leaders finds rising digital-banking fraud driven by social-engineering APP scams, call-center scams, and extensive mule-account networks; most respondents estimate annual fraud losses above $5M and report operational strain from high false-positive rates, slower investigations, and limited ML adoption. Thai banks report strong regulatory alignment with the Bank of Thailand on mule prevention and authentication, growing interest in behavior-based detection, and emphasize the need for cross-bank intelligence sharing to disrupt mule networks and mitigate the heightened risk posed by instant payments (PromptPay).