The Dutch Approach, Lynn van Meijgaard & Kristen de Jong, NVB - Global Anti-Scam Summit Europe 2024

Criminal journeys, barrier models and interventions - the Dutch approach

Date of recording: 2024-06-24

Event: Global Anti-Scam Summit Europe 2024

Lynn van Meijgaard and Kristen de Jong of the Dutch Banking Association (NVB) shared insights into the Netherlands' integrated approach to combating fraud at the Global Anti-Scam Summit Europe 2024. They highlighted the collaborative effort between public and private sectors as essential to their strategy, emphasizing the need for collective responsibility in addressing fraud effectively.

The Dutch approach focuses on understanding the criminal journey through detailed analysis. They divided the journey into phases and examined each step criminals take, identifying legitimate infrastructures abused during fraud attempts. This approach enabled them to assign roles and responsibilities to relevant parties based on their involvement in different phases of the criminal process.

To develop effective interventions, they employed barrier models. These models were crafted collaboratively with a wide array of stakeholders, including banks, governmental bodies, and consultancies like EY. Each barrier was assessed for its potential impact and feasibility of implementation, ensuring a strategic approach to fraud prevention.

The NVB's method involved selecting specific fraud types, such as bank impersonation scams, sales fraud, and online purchase scams, and then convening all relevant stakeholders to map out detailed criminal journeys for each type. This meticulous process resulted in the identification of key intervention points where stakeholders could implement targeted measures to disrupt criminal activities effectively.

Throughout their presentation, van Meijgaard and de Jong stressed the importance of ongoing collaboration and shared learning among stakeholders. They acknowledged the complexity of the task but highlighted the commitment of all involved parties to implement interventions derived from their collaborative efforts.

This approach not only aims to prevent fraud but also to distribute responsibility across the entire chain of stakeholders, ensuring a comprehensive and proactive stance against fraudulent activities in the Netherlands.

Jun 23, 2024

2 minute read

From Cyberattack to Scam: How Cybersecurity Protects Businesses and People

GASA Brazil experts discuss how cybersecurity, better data and cross-sector cooperation can prevent scams and disrupt criminal networks.

Best Practices Topic - Fraud Prevention Video Topic - Scam Detection

How Amazon Uses AI to Help Consumers Verify Suspicious Messages

How Amazon Is Helping Consumers Verify Messages and Avoid Impersonation Scams

Explore how Amazon uses AI and outgoing communication records to verify suspicious messages and inform approaches to impersonation scam prevention.

Best Practices Topic - Scam Reporting Region - Global Topic - Scam Detection

Whoscall, GASA and Mastercard Release the 2026 Asia Scam Report: Hong Kong

More Than 80% of Hong Kong Respondents Encountered Scams; Phone Calls and SMS Remain the Leading Channels

Research Scam Trends Topic - Fraud Research Region - Asia-Pacific

Operation Serengeti III: How Collaboration Is Curbing Scams in Africa

INTERPOL’s Operation Serengeti III led to 1,462 arrests and recovered USD 105M+ across 21 countries. GASA was proud to support it as a partner.

Research News Topic - Scam Reporting Topic - Fraud Prevention

71% of Adults Surveyed Across 13 Asian Markets Encountered Scams, with Estimated Losses of US$136.5 Billion

This study of 17,460 adults across 13 Asian markets shows that scam exposure is widespread, with 71% of participants encountering a scam in the past year. While 66% say they are confident in recognizing scams, 62% of those exposed went on to interact with a scammer. Ultimately, 9% lost money or personal information that led to financial loss, while only 4% reported a scam to the authorities. The findings highlight a significant gap between perceived scam awareness and real-world resilience.

Report News Scam Trends Topic - Fraud Research

3 Ways to Prevent Cross-Border Payment Scams in Mexico

Learn three ways financial institutions can prevent cross-border payment scams in Mexico through intelligence sharing, payee transparency and real-time analysis.

Best Practices Scam Trends Topic - Fraud Research Industry - Financial Authorities

GASA Africa Chapter & Google South Africa Trust & Safety Workshop

Accra Trust & Safety Workshop Turns Collaboration into Action Against Scams and Fraud in West Africa

GASA Africa Chapter and Google South Africa brought anti-fraud leaders together to strengthen cross-border cooperation and scam prevention.

News Topic - Fraud Prevention Topic - Data Sharing Topic - Scam Detection

State of Scams in Nigeria 2026: A Comparative Review Across Africa

Nigerian experts examine scam trends, technology, consumer protection and the need for stronger cross-sector collaboration.

Research Best Practices Industry - National Cyber Security Centers (NCSCs) Topic - Scam Reporting