Victor Munoz and Angel Melguizo, partners at ARGIA Green, Tech & Economics: “As financial inclusion and digitalization continue to expand across Latin America and the Caribbean, the region is also witnessing a sharp rise in cybercrime, particularly financial fraud. Artificial intelligence has become a strategic asset to combat this threat, offering real-time detection capabilities through advanced pattern recognition, machine learning and synthetic data modeling. The effectiveness of AI goes beyond technology. Its impact is maximized when integrated into a comprehensive framework of governance, rapid response and user accountability. Financial institutions must combine AI-based anomaly detection with robust protocols for investigation, fair compensation for affected individuals and ongoing education for both employees and clients. Building trust in these systems is as critical as the technical performance. A ‘security by design’ approach is essential to ensure data integrity during model training, protecting against…”