Why AI Still Fails to Catch 'Authorized' Scams

AI Models can Flag Anomalies, but Still Struggle to Read Human Deception Prajeet Nair (@prajeetspeaks) , Rashmi Ramesh (rashmiramesh_) • November 6, 2025

Real-time payments settle in seconds - faster than anti-fraud models can think. With most authorized push payment scam losses in Australia occurring over instant payment rails, artificial intelligence models built to spot unusual patterns often miss the one thing they can't predict: human deception.

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Australia's APP scam losses in 2023 were estimated at $796 million and are projected to reach about $1.15 billion by 2028. Scammers are now using social engineering to persuade victims to make transfers that look perfectly normal to the AI, so the system doesn't flag them as suspicious. "Traditional models are built to spot statistical outliers in payment behavior, but social engineering doesn't always trigger those anomalies," Dali Kaafar, founder and ...