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1、1APAC Consumer Scam Prevention and ReimbursementAPAC Consumer Scam Prevention and ReimbursementeBook#ProtectYourC2APAC Consumer Scam Prevention and ReimbursementContentsExecutive Summary03Country by Country Scam Reimbursement Analysis07Australia07New Zealand09Hong Kong13Malaysia15The Philippines17Si

2、ngapore19Conclusion28About the Author:Ken Palla(Prepared May 2025 for publication in June 2025)29Thailand22Vietnam263APAC Consumer Scam Prevention and ReimbursementOne of the most active and innovative regions in the world for scam prevention and reimbursement is not where most people would expect:t

3、he Asia-Pacific(APAC).While the UK has historically dominated this space,many of the most forward-thinking approaches are now emerging from the APAC region.This shift is strikingnot just in distance(were talking 12 to 20 hours of flight time),but also in how disconnected these ecosystems often are.T

4、heres no shared circuit of fraud conferences or tightly linked regulatory frameworks.And yet,were seeing a quiet yet powerful exchange of knowledge among governments and banks in countries such as Australia,New Zealand,and across Southeast Asia.The result?Increasing alignment on how scams are define

5、d,prevented,and reimbursed.This paper reviews the current landscape of consumer scam prevention and reimbursement across several APAC countries:Australia,New Zealand,Hong Kong,Malaysia,the Philippines,Singapore,Thailand,and Vietnam.For the purposes of this paper,a consumer scam is defined as a fraud

6、ster inducing the consumer to authorize a transaction that ultimately sends money to the fraudster.In some jurisdictions,phishing incidents are also included under this umbrella.Executive Summary4APAC Consumer Scam Prevention and ReimbursementChart 1.Summary Scam Reimbursement Policies by CountryReq