Can QR Codes and Other Technologies Help Resolve Scope of Fraud?
At EBAday 2026 in Copenhagen, Elena Gomez, Managing Director of UK and Europe Domestic Payments at Citi, spoke on a FinextraTV segment about how QR codes and real‑time payments (RTP) are being leveraged to drive instant‑payment adoption while tackling fraud. She highlighted experiences from Brazil, India and Thailand, where QR‑based and RTP solutions have streamlined recurrent payments and improved user experience. Gomez emphasized that making these tools secure requires specific fraud‑prevention measures, noting that security must be built into the design of QR and RTP flows to maintain trust as usage grows.
Key takeaways
- ▸Gomez highlighted QR code and RTP adoption in Brazil, India and Thailand as drivers of instant‑payment growth.
- ▸These technologies simplify recurrent payments and enhance the user experience for consumers and merchants.
- ▸Securing QR‑based and RTP payments demands dedicated fraud‑prevention controls to mitigate emerging risks.
- ▸The discussion signals a broader industry focus on embedding security into emerging payment channels.
- ▸Citi is positioning itself as a thought leader on safe instant‑payment expansion in high‑growth markets.
Why this matters
As instant payments expand globally, fraud risk migrates to new channels such as QR codes and RTP; Gomez’s remarks remind payments firms that adoption gains will only stick if security is integrated from the outset. For PSPs, banks and fintechs, this means investing in fraud‑detection tools tailored to QR and RTP flows, shaping product roadmaps and partnership strategies in LATAM and APAC. Merchants stand to benefit from faster, cheaper recurrent payments, but only if providers can guarantee the safety of those transactions.
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