{"id":528122,"date":"2026-04-17T14:30:00","date_gmt":"2026-04-17T18:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=528122"},"modified":"2026-04-17T13:41:08","modified_gmt":"2026-04-17T17:41:08","slug":"the-imfs-warning-to-banks-share-data-to-beat-ai-fraud","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/","title":{"rendered":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud"},"content":{"rendered":"\n<p>The International Monetary Fund is urging banks to rethink a long-standing taboo in financial crime prevention\u2014how much data they are willing to share with one another. In a new Technical Note, it argues that fragmented information is weakening the fight against AI-enabled fraud. combine data of their own, urging a shift in strategy toward sharing private information among financial institutions.<\/p>\n\n\n\n<p>Released during the 2026 Spring Meetings of the IMF, the <a href=\"https:\/\/www.imf.org\/-\/media\/files\/publications\/tnm\/2026\/english\/tnmea2026006.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Technical Note<\/a> focuses on how financial institutions can respond more proactively to digital fraud. The paper argues that efforts to combat such fraud have been hindered banks&#8217; reluctance to share threat data, both domestically and internationally.<\/p>\n\n\n\n<p>AI has become a boon for criminals, enabling them to aggregate vast amounts of data to fuel increasingly sophisticated attacks. In response, the IMF is urging banks to adopt a more collaborative approach\u2014particularly by sharing more transactional and threat data cross institutions.<\/p>\n\n\n\n<p>Importantly, the report cautions that new technology alone is not a silver bullet, warning against solutions deployed without clear use cases. Instead, it recommends robust data-sharing practices, especially around transaction records, to strengthen the collective ability of FIs to detect, prevent, and mitigate illicit finance activity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-data-more-value\">More Data, More Value<\/h2>\n\n\n\n<p>AI and machine learning are highly effective at detecting transactional anomalies, but their performance depends on access to large, diverse datasets. When models operate in fragmented data environments, their insights are inherently limited. The Technical Note identifies these siloed data architectures as the primary obstacle in the fight against fraud.<\/p>\n\n\n\n<p>By contrast, AI tools perform more effectively in integrated systems built on shared datasets, enabled by application programming interfaces (APIs) and common standards such as ISO 20022. The IMF highlights APIs, standardized data formats, and interoperability frameworks as essential to fostering meaningful data exchange across institutions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-breaking-down-the-silos\">Breaking Down the Silos<\/h2>\n\n\n\n<p>Banks have good reasons to resist data sharing, including competitive concerns and regulatory constraints. However, as fraud networks become more sophisticated and globally connected, greater transparency and collaboration could strengthen the financial system\u2019s ability to detect and prevent illicit activity.<\/p>\n\n\n\n<p>\u201cData sharing and collaboration is a long-standing issue within financial institutions, not even just between banks, but between lines of business within the same organization,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/suzanne-sando\" target=\"_blank\" rel=\"noreferrer noopener\">Suzanne Sando<\/a>, Lead Analyst of Fraud Management at Javelin Strategy &amp; Research. \u201cA financial institution may detect the signals needed to stop fraud on a customer&#8217;s credit card, but they may not be sharing the critical risk signals and emerging threat trends to stop fraud on that same customer&#8217;s debit account. These silos are preventing banks from accessing the critical data needed to keep up with fraudsters, especially as AI evolves and is adopted by fraudsters.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The International Monetary Fund is urging banks to rethink a long-standing taboo in financial crime prevention\u2014how much data they are willing to share with one another. In a new Technical Note, it argues that fragmented information is weakening the fight against AI-enabled fraud. combine data of their own, urging a shift in strategy toward sharing [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":374415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"63887"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,63887],"tags":[64243,62680,62748,62469,2841,633],"class_list":["post-528122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-fraud","tag-bank-fraud","tag-data-sharing","tag-imf","tag-information-sharing","tag-iso-20022","tag-world-bank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud\" \/>\n<meta property=\"og:description\" content=\"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/\" \/>\n<meta property=\"og:site_name\" content=\"PaymentsJournal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paymentsjournal\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-17T18:30:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tom Nawrocki\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:site\" content=\"@paymentsjournal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom Nawrocki\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/\"},\"author\":{\"name\":\"Tom Nawrocki\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\"},\"headline\":\"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud\",\"datePublished\":\"2026-04-17T18:30:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/\"},\"wordCount\":455,\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/share-scaled.jpg\",\"keywords\":[\"Bank Fraud\",\"Data Sharing\",\"IMF\",\"Information Sharing\",\"ISO 20022\",\"World Bank\"],\"articleSection\":[\"Analysts Coverage\",\"Fraud &amp; Security\"],\"inLanguage\":\"en-US\",\"copyrightYear\":\"2026\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/\",\"name\":\"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud - PaymentsJournal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/share-scaled.jpg\",\"datePublished\":\"2026-04-17T18:30:00+00:00\",\"description\":\"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/share-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/share-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"Data-Sharing as a Solution to Cash Flow Issues\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#website\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"name\":\"PaymentsJournal\",\"description\":\"Payments Content, Expert Insights and Timely News\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.paymentsjournal.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#organization\",\"name\":\"PaymentsJournal\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-paymentsjournal-icon.jpg\",\"width\":512,\"height\":512,\"caption\":\"PaymentsJournal\"},\"image\":{\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/paymentsjournal\\\/\",\"https:\\\/\\\/x.com\\\/paymentsjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/paymentsjournal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UC8yheGWcDLrJkPlxW-_JvRw?view_as\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/#\\\/schema\\\/person\\\/1c5a9b5ae3fe844a1abcff9194dc5a71\",\"name\":\"Tom Nawrocki\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"contentUrl\":\"https:\\\/\\\/www.paymentsjournal.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Thomas-Nawrocki-Headshot-150x150.jpg\",\"caption\":\"Tom Nawrocki\"},\"description\":\"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.\",\"url\":\"https:\\\/\\\/www.paymentsjournal.com\\\/author\\\/tom-nawrocki\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud - PaymentsJournal","description":"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/","og_locale":"en_US","og_type":"article","og_title":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud","og_description":"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.","og_url":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/","og_site_name":"PaymentsJournal","article_publisher":"https:\/\/www.facebook.com\/paymentsjournal\/","article_published_time":"2026-04-17T18:30:00+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg","type":"image\/jpeg"}],"author":"Tom Nawrocki","twitter_card":"summary_large_image","twitter_creator":"@paymentsjournal","twitter_site":"@paymentsjournal","twitter_misc":{"Written by":"Tom Nawrocki","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#article","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/"},"author":{"name":"Tom Nawrocki","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71"},"headline":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud","datePublished":"2026-04-17T18:30:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/"},"wordCount":455,"publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg","keywords":["Bank Fraud","Data Sharing","IMF","Information Sharing","ISO 20022","World Bank"],"articleSection":["Analysts Coverage","Fraud &amp; Security"],"inLanguage":"en-US","copyrightYear":"2026","copyrightHolder":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/","url":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/","name":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud - PaymentsJournal","isPartOf":{"@id":"https:\/\/www.paymentsjournal.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#primaryimage"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#primaryimage"},"thumbnailUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg","datePublished":"2026-04-17T18:30:00+00:00","description":"The IMF has released a new Technical Note urging financial institutions to share data in order to beat AI-fueled bank fraud.","breadcrumb":{"@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#primaryimage","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2022\/04\/share-scaled.jpg","width":2560,"height":1707,"caption":"Data-Sharing as a Solution to Cash Flow Issues"},{"@type":"BreadcrumbList","@id":"https:\/\/www.paymentsjournal.com\/the-imfs-warning-to-banks-share-data-to-beat-ai-fraud\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.paymentsjournal.com\/"},{"@type":"ListItem","position":2,"name":"The IMF\u2019s Warning to Banks: Share Data to Beat AI Fraud"}]},{"@type":"WebSite","@id":"https:\/\/www.paymentsjournal.com\/#website","url":"https:\/\/www.paymentsjournal.com\/","name":"PaymentsJournal","description":"Payments Content, Expert Insights and Timely News","publisher":{"@id":"https:\/\/www.paymentsjournal.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.paymentsjournal.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.paymentsjournal.com\/#organization","name":"PaymentsJournal","url":"https:\/\/www.paymentsjournal.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2024\/03\/cropped-paymentsjournal-icon.jpg","width":512,"height":512,"caption":"PaymentsJournal"},"image":{"@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/paymentsjournal\/","https:\/\/x.com\/paymentsjournal","https:\/\/www.linkedin.com\/company\/paymentsjournal\/","https:\/\/www.youtube.com\/channel\/UC8yheGWcDLrJkPlxW-_JvRw?view_as"]},{"@type":"Person","@id":"https:\/\/www.paymentsjournal.com\/#\/schema\/person\/1c5a9b5ae3fe844a1abcff9194dc5a71","name":"Tom Nawrocki","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","url":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","contentUrl":"https:\/\/www.paymentsjournal.com\/wp-content\/uploads\/2023\/11\/Thomas-Nawrocki-Headshot-150x150.jpg","caption":"Tom Nawrocki"},"description":"Tom Nawrocki serves as a Staff Writer at PaymentsJournal.com, where he covers the latest trends and developments in the payments industry.","url":"https:\/\/www.paymentsjournal.com\/author\/tom-nawrocki\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/528122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/users\/8441"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/comments?post=528122"}],"version-history":[{"count":0,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/posts\/528122\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media\/374415"}],"wp:attachment":[{"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/media?parent=528122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/categories?post=528122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paymentsjournal.com\/wp-json\/wp\/v2\/tags?post=528122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}