Payment Systems Broadcast #28 - Operationalizing the EU's Article 75

March 10th, 2026 · 53 mins 7 secs

About this Episode

In this broadcast we build on our discussion from our previous session, Building on Article 75 and Privacy: The Future of Cross-border Data Sharing, which dismantled the ‘privacy paradox’ by exploring how Article 75 enables institutions to share encrypted insights using Privacy-Enhancing Technologies (PETs). In this session, we shift our focus from policy to infrastructure, exploring how Article 75, by facilitating information sharing, offers jurisdictions the opportunity to establish National Anti-Scam Utilities.

This technical de-brief focuses on the practical engineering required to break down siloed responses to fraud and align institutional responses to threats posed by criminals working in networks. We discuss:

  • Engineered Proportionality: Expanding on the previous session’s focus on sharing insights rather than raw data, this discussion examines how proportionality must be encoded into the architecture itself. If proportionality depends on human interpretation under time pressure during a live fraud event, the sharing simply does not happen.

  • Structural Fragmentation: An examination of what fails in real-time collaboration and how map scam flows across insititons to reveal blind spots that individual firms simply cannot see on their own.

  • Network Topology & Containment: The operational shift from traditional, account-centric frameworks to reconstructing scam activity as a network of interacting accounts. Once the focus moves from accounts to topology, the strategy shifts from detection to containment.

  • The Intervention Window: A look at how speed changes the economics of fraud. The session will cover the measurable difference between intervention in hours versus intervention in minutes, and how criminals arbitrage delays

  • Utility Governance: An analysis of the systems architecture, governance, and resilience trade-offs between commercially provided collaboration platforms and nationally overseen sovereign utilities