Thailand, in partnership with the IMF and World Bank, unveiled its flagship ‘Bangkok Blueprint’ on the third day of the annual meetings in Bangkok.
The ‘Bangkok Blueprint for Fraud-Resilient Financial Services’ is a global framework that helps countries detect and respond swiftly to the growing threat of cyber fraud across digital finance sectors.
The IMF and World Bank, in collaboration with the Bank of Thailand (BOT), outline 12 key themes across five pillars, from national strategy to prevention, and call on all sectors to cooperate to tackle cross-border fraud.
As digital finance expands globally, it also increases threats to end consumers, requiring stronger safeguards and faster responses.
“Cyber-enabled fraud has become a global challenge that no country or institution can tackle alone. The Bangkok Blueprint reflects our shared commitment to strengthen cooperation, build trust, and promote a safe and inclusive digital financial future for all,” said Vitai Ratanakorn, Governor of the Bank of Thailand.
The Governor said Thailand’s experience shows how a coordinated response can reduce the impact of digital fraud schemes. Financial fraud losses in 2024 exceeded THB43 billion, then fell to THB32 billion in 2025 and to THB 9 billion in H1 2026.
“Digital fraud scams have become a global problem and have cost the world economy around a trillion dollars annually, or 3 percent of global GDP,” said Finance Minister Ekniti Nitithanprapas. “Fraud and scams are international in nature, and victims may be in one country and scammers operate from another, whilst money moves elsewhere. Yet, our response remains at the national level with limited coordination. Scammers take advantage of this gap, and this is where the Bangkok Blueprint comes in.”
The blueprint will provide a broad framework for tackling digital fraud, and each country can adapt and apply it to its local context.
Fraud schemes are spreading worldwide as technology and digitization accelerate. From social media to online platforms,ecommerce and telecom, it’s never been more important to coordinate combatting efforts and push towards response, especially as ‘fraud has no borders,’ as said by Finance Minister Ekniti.
The Bangkok Blueprint comes amid Thailand’s accelerated crackdown on cybercrime and fraud. Thailand’s scam crackdown shaped the blueprint, exposing how stolen money from cyber fraud flows into larger illicit financial networks.
One of the key objectives of the blueprint is to strengthen ‘public trust’ in digital financial services. According to IMF Managing Director Kristalina Georgieva, public trust underpins every financial system and enables financial inclusion.
Looking ahead, fighting digital fraud and online scams will only grow more important as AI makes scams increasingly sophisticated. Digital fraud has no geographical restrictions, so countries and institutions need to share intelligence, align rules and cooperation, and respond quickly to stop illicit money from moving across borders.
