The Mojaloop Foundation is beginning a new chapter of collaboration with FNA (Financial Network Analytics) and the three other inaugural members of our Global Partner Program. As part of this collaboration, FNA is bringing its expertise in advanced analytics and financial crime prevention to support the Mojaloop Foundation’s mission of inclusive instant payment systems (IIPS).
To help our community appreciate what FNA brings to the table, we spoke with Adam Csabay, FNA’s Global Head of Central Banking Engagement, about the organization’s work, its goals for the partnership, and how inclusive systems can remain resilient and secure.
From Liquidity Optimization to Fraud Prevention
Founded in 2013, FNA is a data and analytics firm dedicated to improving the safety and efficiency of financial systems. The company’s work spans critical areas from liquidity and payments optimization to financial stability and anti-fraud efforts.
“We solve critical problems facing financial institutions and systems,” Csabay said. “That includes delivering products for national-level fraud detection and financial crime mitigation, particularly as financial systems move toward instant payments.”
With a global client base that includes central banks, financial market infrastructures, and national security organizations, FNA’s work is grounded in applied research and powered by graph analytics and AI.
A Shared Focus on Financial Inclusion and Integrity
The partnership with Mojaloop, Csabay explained, stems from a mutual understanding that the deployment of IIPS and consumer protection must go hand in hand.
“We’ve seen in many jurisdictions that in the era of instant payment systems, faster payments also mean faster fraud,” he said. “Criminals exploit the speed of payments to move funds rapidly through sophisticated mule networks. That’s where FNA comes in — helping to safeguard these systems without undermining the goals of accessibility and inclusion.”
Mojaloop’s commitment to building inclusive, instant payment systems made the collaboration a natural fit. “We found in Mojaloop a partner that approaches financial inclusion in its full complexity,” Csabay added. “That kind of depth is essential for delivering results that truly serve those who need them most.”
Securing Inclusive Payment Systems
FNA and the Mojaloop Foundation are now working closely to integrate their technologies. The goal: equip Mojaloop implementers with the tools to set up National Fraud Portals — centralized platforms to support banks, regulators, and law enforcement in detecting, preventing, and responding to fraud and scams.
“These portals will use AI and machine learning to identify suspicious activity and help recover stolen funds for victims,” Csabay said. “We’re not just building security tools — we’re enabling trust in the system, especially for users who may be accessing formal financial services for the first time.”
The work is already underway. Product teams from both organizations are focused on enhancing Mojaloop-based systems in active and upcoming deployments.
A Grant-Backed Vision for Impact
The Gates Foundation, a supporter of FNA as well as the incubator of Mojaloop, is co-financing the deployment of one of FNA’s national fraud portal projects in Asia. That alignment underscores the shared vision across the organizations: scalable, secure infrastructure that delivers public value.
“Our grant from the Gates Foundation has been instrumental in supporting development,” Csabay said. “And we see the Mojaloop Foundation collaboration as a way to bring that work into broader systems where inclusion and innovation are already priorities.”
Contributing to Thought Leadership and Community Development
Beyond the technical collaboration, FNA is also engaging with Mojaloop’s vibrant community through webinars, events, and working groups. “We really value the opportunities Mojaloop provides for open dialogue,” Csabay noted. “The workshops and forums are not only great learning environments — they’re also critical for getting user feedback and co-creating solutions that are intuitive and practical.”
That collaborative spirit, he emphasized, should be a priority for any organization building digital financial tools: “Engage end users early. Find partners who can enhance your offering. And make sure you’re solving real problems in a way that’s easy to adopt.”
Strengthening the Foundation of Inclusive Finance
FNA’s role in the Mojaloop Global Partner Program highlights the importance of bringing fraud prevention and risk analytics into the conversation around inclusive finance. “Inclusive payment systems must also be secure and resilient,” Csabay said. “Otherwise, they risk eroding trust before they’ve had a chance to deliver on their promise.”
With its analytical tools and real-world expertise, FNA is helping ensure that instant payments don’t just move quickly — they move safely, too.
