Resource

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Inside the UK's Mule Account Economy

This report examines the role of mule accounts - the hidden infrastructure that enables stolen funds to flow through Australia’s financial system. Drawing on real cases and industry insights, it highlights how these accounts fuel scams, sustain organised crime, and erode trust in banking and communications networks.

Report

Mule Accounts in Australia: The Hidden Infrastructure of Fraud

When Australians lose money to scams, the impact rarely stops with the first victim. Once stolen, the funds do not sit still. They move quickly, routed through layers of accounts that exist to disguise their origin. These accounts, known as mule accounts, are the silent infrastructure of modern fraud.

Guide

Preparing for SPF Enforcement (Telcos Edition)

This document outlines how Apate supports telcos and carriers in meeting incoming Scam Prevention Framework obligations. It maps Apate capabilities to each SPF principle, with a focus on evidence, operational outcomes, and defensibility under regulatory scrutiny and customer response expectations. The Framework was legislated in 2025, with sector codes and implementation guidance released by Treasury in November 2025. These materials clarify expectations around governance, investigation, actionable scam intelligence, disruption, reporting, and dispute resolution.

Guide

Preparing for SPF Enforcement (Banking Edition)

The Scam Prevention Framework is coming into effect in 2026, which will materially raise the bar for how banks must evidence scam prevention and response. Based on the legislation and Treasury consultancy, banks are expected to move beyond reactive, post-loss responses. They will need to demonstrate not only what actions were taken, but why those actions were reasonable given the information available at the time.

Report

The Illusion of Blocking: Why Blocking Calls Isn’t Stopping Scams

These are impressive numbers. Blocking works, and it has built customer confidence and regulatory trust.

Report

Health Data for Sale: Inside the GP Medicare Data Harvesting Scam

The festive season should be a time of celebration. But for thousands of Australians each year, it's when scammers strike

Report

A Guide to Staying Scam-Safe: The Most Common Scam Types This Festive Season

The festive season should be a time of celebration. But for thousands of Australians each year, it's when scammers strike hardest – stealing not just money, but trust, time, and peace of mind.