Get started with real time protection against sophisticated A2A fraud in the Baltics

Download Visas new white paper to understand the fast shifting fraud landscape across Estonia, Latvia, and Lithuania, and how financial institutions can respond with precision and speed.

The Baltics are among Europes most digitally advanced payments markets, with rapid A2A adoption, strong contactless penetration, and a thriving fintech ecosystem. But this progress comes with rising exposure: compressed detection windows, increasingly sophisticated APP scams, and A2A fraud value outpacing EU payment volume in the Baltics by a factor of three to five. Regulatory pressure is mounting too, with VoP, DORA, MiCA, and upcoming PSD3/PSR pushing institutions toward real time accountability.

Inside the white paper, you’ll find:

• • The four key themes defining fraud in the Baltics today, from the rise of instant A2A to the professionalisation of social engineering scams.
  • The nine common traits of Baltic fraud schemes, including caller ID spoofing, multi channel attacks, and cross border mule networks.
  • A forward view of six forces shaping what’s next: AI enabled fraud, rising consumer expectations, and risks introduced by new payment rails.

Key takeaways:

• A practical, fourpart roadmap for achieving fraud equilibrium: ecosystemwide intelligence sharing, explainable AI driven monitoring, and resilience first operations.
• Real world results, including how adaptive real time controls helped reduce phishing losses by nearly 90% in one Nordic financial institution.

Get a clear, data driven view of how fraud is evolving in the Baltics, and the practical steps your institution can take to stay resilient in real time. Click below to download Visa’s white paper.