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Global Telcos Urged to Support New “Scam Signal” to Help Prevent Social Engineering Fraud

BOZEMAN, Mont. – October 28, 2025

As mobile-enabled scams continue to surge worldwide, Jersey Telecom (JT) and global analytics software leader FICO, with support of the world’s largest mobile industry association, GSMA, are working together to accelerate the global rollout of Scam Signal – an award-winning fraud prevention solution already delivering results for UK banks. First deployed in 2024, Scam Signal uses real-time telephony data to detect and stop scams as they happen and help to protect consumers from significant financial loss.

The organizations are now urging mobile network operators in several countries worldwide to act swiftly and adopt the solution to help stem the rising tide of fraud. In South Africa and Spain, operators have already begun to make the solution available through APIs. The partners are reaching out to operators in the United States, Canada, Indonesia, the Philippines, Malaysia, Germany, Sweden, Italy, Spain, South Africa, Brazil, Mexico, Colombia, Peru and Chile.

More information on the APIs: https://www.gsma.com/solutions-and-impact/gsma-open-gateway/gsma-open-gateway-api-descriptions/

More information on Scam Signal: https://www.fico.com/en/latest-thinking/solution-sheet/scam-signal-real-time-scam-detection-and-prevention

According to reports from the Global Anti-Scam Alliance (GASA), scams have cost the global economy over $1 trillion in 2024.Authorised Push Payment or APP fraud is recognised as the number one global fraud threat.

Scam Signal is designed to combat authorized push payment (APP) fraud, where victims are tricked into sending money to criminals. It’s the first network API solution to combine real-time telephony network data with customer and payment information during live transactions – providing banks with the ability to spot the subtle signs of scams as they unfold.

Delivered through FICO® Platform, Scam Signal draws on real-time signals from mobile and landline networks to identify suspicious activity.  When a threat is detected, FICO® Platform Omni-Channel Engagement Capability enables banks to intervene during the live transaction by engaging with the customer with personalized messages that help stop the fraud in its tracks. Importantly, the solution maintains a direct connection with the banks to enable any other additional action to protect their customers from harm.

Results from UK banks using Scam Signal within FICO® Platform – Omni-Channel Engagement include:

  • 41% reduction in the number of people scammed
  • 44% decrease in fraud losses
  • 55% reduction in false positives (payments flagged as fraud that are in fact genuine)

“APP fraud is costing billions globally and eroding consumer trust— with 25% of victims leaving their bank following a fraud incident, according to a recent Juniper Research report,” said Henry Howe, head of Product Development for Mobile Intelligence at JT. “We developed Scam Signal to help telcos turn network intelligence into real-time protection. It’s already proven to reduce scam losses and false positives, but its impact depends on industry-wide adoption. This is a moment for mobile operators to lead — not just in connectivity, but in consumer protection.”

APIs such as those provided under the GSMA Open Gateway initiative allow financial institutions to securely access mobile network data in real time within a compliant framework – a critical capability in the fight against fraud. The Scam Signal API can analyse telephony events such as impersonation calls that often precede fraudulent payment requests. By standardising these APIs across operators, the industry ensures interoperability, scalability and faster deployment of fraud prevention tools across multiple telecoms networks and financial institutions.

The GSMA will support the initiative by running a program to unite mobile operators with the financial services industry and help its members design, build and launch standardised fraud-related APIs. This will help facilitate universal adoption of the APIs and consistent protection for consumers.

“In order to protect as many consumers as possible in as many markets as possible, we need mobile network operators to support banks and enable the appropriate APIs,” said Paresh Modi, senior director, GSMA Fusion. “This is another opportunity for telcos to play a direct role in stopping financial crime, protect consumers, and comply with emerging regulatory expectations.”

“The fight against financial fraud is a shared responsibility,” said Scott Taylor, principal consultant, FICO. “Cross-industry collaboration is paramount and major network operators together with banks need to act as innovators in the fight against fraud at a time when criminals are exploiting new technologies like AI. By fostering partnerships between major operators and banks, we can effectively combat scams and secure customer trust.”

In its first full year since launching in 2024, the Scam Signal solution won the Best Anti-Fraud Solution award at the Credit & Collections Technology Awards and received the Silver Medal in the Fraud Impact Award for Best Scam and APP (Authorized Push Payment) Fraud Prevention solution from Datos Insights in 2024 and 2025. Barclays and FICO also won a 2025 Credit Award for Excellence in Fraud Prevention based on the bank’s deployment of the solution through FICO® Platform – Omni-Channel Engagement Capability.

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JT Group and CVC DIF form Strategic Partnership to acquire Manx Telecom Group – Creating Largest Crown Dependencies Telecom Provider

JT Group and CVC DIF have signed a definitive agreement to acquire Manx Telecom Group, the Isle of Man’s leading communications and digital infrastructure provider, subject to customary regulatory approvals. CVC DIF is the dedicated infrastructure investment strategy of global private markets manager CVC Capital Partners.

This strategic acquisition brings together two trusted operators with strong local foundations and expanding international reach. The combined group will serve customers in Jersey, Guernsey, the Isle of Man and across the globe.

The acquisition will create the largest full-service telecoms provider across the Crown Dependencies, with a shared commitment to continue investing in resilient and secure, next-generation digital networks, including 5G, fibre, IoT platforms, and managed services to support customers’ use of those networks. The partnership with CVC DIF will bring additional capital and sector expertise to support the long-term growth of this strategic partnership.

Daragh McDermott, CEO of JT Group, said: “Alongside our strategic partner in CVC DIF, this marks a major step forward for JT and Manx Telecom. With the deep sector expertise, we’re building a powerful platform for innovation and investment – one that is rooted in supporting our local economies and communities and built to compete and grow globally. The JT and Manx Telecom teams share similar values and ambition, making the acquisition a perfect fit, and allowing us to accelerate our plans to secure further scale and growth of IoT and managed service lines of business, whilst continuing to serve our existing markets, with the same dedication and care that has become our hallmark.”

Joe Moynihan, Acting Chair of the JT Board, added:

“This is more than a transaction – it’s a bold step toward shaping the future of connectivity across the Crown Dependencies. By bringing together two strong, locally rooted and community-focused businesses, we’re creating a platform that can unlock new revenue streams, drive innovation, and reinvest in the digital infrastructure that underpins our vital economies. This partnership positions us to compete on a global stage while ensuring that the benefits flow back into our islands, supporting sustainable growth and prosperity for years to come.”

Tom Goossens, Partner and Co-Head of the DIF Infrastructure fund strategy at CVC DIF, said: “Our investment in Manx Telecom Group reflects our conviction in the long-term value of resilient, locally rooted digital infrastructure. As the Isle of Man’s incumbent operator, Manx Telecom Group offers a strong platform for innovation and growth, and we are excited to support its next phase of development. The partnership with JT Group further builds on this foundation, enabling us to scale operational capabilities across the Crown Dependencies and beyond. Together, we aim to accelerate investment in next-generation networks and deliver enhanced connectivity and enterprise services to customers.”

Elaine Millar, Minister for Treasury and Resources for the Government of Jersey, added: “JT is a strategic national asset that continues to be wholly owned by the States of Jersey. This acquisition, in partnership with a world-class infrastructure investor, strengthens JT’s position and growth plans and reinforces our commitment to digital leadership and economic resilience. We look forward to seeing this strategic partnership develop and are pleased to see JT’s ambition to secure scale and drive utilisation of the major network investments that it is making.”

With a long-term presence in Jersey, CVC – owner of CVC DIF – brings a strong local presence that reinforces the deal’s foundations and offers local institutional support.

Customers across the Crown Dependencies can look forward to broader service options and continued investment in next-generation technologies. Both JT and Manx Telecom remain committed to delivering high-quality, locally focused service while evolving to meet future needs.

Together, JT Group, Manx Telecom Group, and CVC DIF are building a stronger, more connected future for the Crown Dependencies and beyond, with a focus on economic growth and innovation. This transaction marks the beginning of a new chapter focused on innovation, investment, and delivering long-term value for customers, communities, and partners.

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Digital access helps Sanctuary Trust Residents Rebuild and Reconnect

Sanctuary Trust has received a second donation from JT’s Community Giving Scheme – ten refurbished laptops that will help men experiencing homelessness take important steps towards rebuilding their lives. This follows an earlier donation of smartphones, continuing JT’s support for digital inclusion throughout the community. 

Access to digital devices remains a significant challenge for many of the men supported by the charity, due to financial hardship.  Having the use of a laptop or phone can be the difference between feeling isolated and being in a positive position to apply for jobs, attend online training, connect with support services, and even take part in interviews from a familiar, safe environment. 

Lorna Hanby, a spokesperson for the Sanctuary Trust, said: ‘Having access to a laptop is something many of us take for granted, but for the people we support, it’s a vital step towards them getting back on their feet. JT’s generosity allows us to provide this critical access, helping individuals to rebuild their independence and digital skills.’ 

Pip Carpenter, Head of Consumer Markets and Community Partnerships at JT, commented: ‘Most of us will never experience homelessness, but sadly it’s something that affects our community. Sanctuary Trust is doing incredible work to change that, and we’re really proud to support them in their efforts to help people regain their independence.  

We know that technology has the power to transform lives. Sanctuary Trust’s approach reminds us that the impact of nowhere to call home goes beyond having somewhere safe and stable to live – it also means being cut off from the tools needed to engage with society – this donation will help people reconnect and hopefully, play a small but important part in rebuilding their sense of belonging.’ 

Sanctuary Trust provides accommodation and outreach programmes to empower those in in crisis, with support extending beyond accommodating its 30 residents across three residential properties, to outreach initiatives for former residents.  

For more information about the work of Sanctuary Trust or to support their mission, visit https://www.sanctuarytrust.org.je/.  

To learn more about JT’s Community Giving Scheme, visit https://www.jtglobal.com/community-giving/ 

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JT’s Real-Time Scam Detection Adopted by UK High Street Bank Earns Industry Award

A real-time scam detection system developed by JT has been recognised with the Credit Award for Excellence in Fraud Prevention, following its deployment by Barclays through FICO’s platform.

The award-winning solution, Scam Signal, uses live telephony intelligence to detect and disrupt social engineering scams as they happen. Integrated into FICO® Customer Communication Services and adopted by Barclays, the technology identified nine potential scam victims on its first day and is forecast to reduce card fraud losses by 6%.

This marks the first time real-time mobile intelligence data has been embedded within a UK high street bank’s fraud decisioning systems. Scam Signal connects directly to JT’s network via API, enabling FICO’s platform to trigger immediate interventions when high-risk calls are detected — helping banks act before a scam is completed.

Clare Messenger, Head of Mobile Intelligence at JT, said: “This award highlights the growing role of mobile intelligence in financial crime prevention. Scam Signal was designed to give banks a new layer of insight into scam activity. Seeing it delivers results at scale, and being recognised by the industry, is a significant milestone for JT.”

Nicola Winter, Director of Plastic Fraud at Barclays, added: “Barclays recognises how impactful this type of fraud is to our customers and have supplemented our existing fraud defences with the latest technology when we suspect customers are being socially engineered. We will then intervene to ‘break the spell’ the fraudster casts. Whilst fraudsters target all segments of society, it can be particularly harmful for vulnerable customers.”

Nikhil Behl, President, Software at FICO, said: “We are immensely proud of this award and our work with JT and Barclays. Barclays wed customer commitment with innovation, and our partnership with them is producing fantastic results. In the fight against fraud and scams, the criminals are using the most advanced technology — banks must do the same to keep their customers safe.”

JT continues to invest in mobile intelligence solutions that support fraud prevention and digital trust. Scam Signal is the latest example of how telecoms data can be used to protect consumers and support financial institutions in tackling increasingly sophisticated scams

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Crimestoppers Guernsey Launch 2025 Activity Challenge with Support from JT Community Giving

JT Community Giving is once again delighted to support the Crimestoppers Activity Challenge. This initiative invites people to take part in a variety of fun challenges which range from walking or swimming one km to cycling 55 km. It’s free to join and encourages the community to come together and support each other, whilst also while raising awareness of the important work of Crimestoppers locally in keeping our Island safe.

This year’s challenge runs throughout July 2025, with every participant automatically entered into a prize draw to win either £555 or £111 in cash. These amounts were chosen as they link directly to the Crimestoppers phone number, 0800 555 111 which is encrypted so that all callers are 100% anonymous.

Participants can choose from three challenge levels—bronze, silver, or gold—with activities designed to promote healthy movement and community engagement throughout the month. Reflecting on the success of the 2024 challenge, last year’s winners, Tanya Thoumine, who took home the top prize and Marina Burr, the second-place winner, are encouraging even more people to get involved in 2025.

Tanya Thoumine said: ‘Thanks to JT and Crimestoppers, I was the lucky winner last year! The challenge motivated me to take on running, swimming, and cycling activities. It’s accessible to everyone due to the various distance options, and entry was straightforward. I encourage everyone to get involved this year.’

Marina Burr added: ‘I joined last year’s challenge for a summer fitness goal and to support a local initiative. I loved that even a simple activity like walking 1k qualifies for the ‘bronze’ level, making it inclusive for all. This year, I’m aiming for the 11k challenge by biking or walking. Plus, it’s free, so there’s no reason not to join!’

Mike Smith, Chairman of Crimestoppers, is looking forward for the challenge’s return. ‘We’re calling on even more participants this year, including those already taking on other charity challenges, like 30 Bays in 30 Days. Winning could help boost their fundraising efforts or allow them to treat themselves to something once the challenge is over. We’re incredibly grateful to JT for supporting this initiative for a second year running. Their contribution allows us to offer these fantastic cash prizes.’

The charity will be encouraging participants to share photos of their activities on Facebook to inspire others to set their own goal.

Pip Carpenter, Head of Consumer Markets and Community Partnerships, shared: “We’re pleased to continue our long-standing partnership with Crimestoppers through this inspiring initiative. Whether it’s online or in our neighbourhoods, crime can be significantly reduced when people are more informed and engaged. This challenge is a great way to bring the community together, promote healthier lifestyles, and raise awareness of how we can all play a part in keeping Guernsey safe.”

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Jersey Heritage to Expand Access and Inclusion with New Digital Experience for La Hougue Bie Visitors

Jersey Heritage has become the latest beneficiary of JT’s Community Giving scheme. JT has donated two tablet devices to the organisation’s Education team, enabling school children and visitors to La Hougue Bie who experience physical or social, emotional, or mental health (SEMH) challenges to explore the historic site through immersive virtual tours. This initiative helps to ensure the educational experience of this significant prehistoric site is accessible to everyone regardless of their individual needs.

The virtual tour includes the site’s Neolithic passage grave, an important part of La Hougue Bie that some visitors find difficult to access physically. By offering a digital alternative Jersey Heritage has not only enhanced accessibility and inclusion to learning but also social participation. It means that when children are back at school everyone can participate in classroom discussions, and no one is left out of conversations about their shared experience.

Jon Brennan, Head of Education at Jersey Heritage, explained the importance of the donation: ‘The entrance to the ancient passage grave is a low, dark stone structure, which can present either physical, emotional or psychological challenges for some children. Engaging with the digital tour means those students unable to enter the space can still benefit from the knowledge and experience of exploring the tomb. This makes a trip to La Hougue Bie fully inclusive and puts all the students on a level playing field with their learning. For members of the community, it means they can experience everything that La Hougue Bie has to offer, even if they haven’t physically entered the passage grave.’

Around 40 school groups, including most primary schools and some secondary schools, visit the historic site every year as part of their studies. On average there are two students in each class who struggle with physical or SEMH issues and are unable to enter the passage which affects their educational experience of this Heritage site. The tablets will now ensure equal access to the learning experience.

Pip Carpenter, Head of Consumer Markets and Community Partnerships at JT, said: ‘It’s always inspiring to see how digital technology can open doors – quite literally in this case – to experiences that might otherwise be out of reach. By supporting Jersey Heritage, we’re helping to bring our island’s rich history to life in new and inclusive ways. Tools like virtual tours don’t just replicate the experience, they enhance it, offering new perspectives and deeper engagement. It’s really exciting to see how innovation can make the past more present for everyone.’

The tablets are available to all visitors free of charge on request at the ticket desk at La Hougue Bie, ensuring that everyone can access the site and appreciate the importance of La Hougue Bie and its role in the island’s rich history.

JT Global to join Aduna
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JT Global to join Aduna to advance secure CPaaS solutions with Network APIs

June 19, 2025 (Plano, TX) – Aduna, the global aggregator of network APIs, today announced that JT Global, a leading international Communications as a Service (CPaaS) provider, will join its partner ecosystem to integrate a new set of high-trust network APIs into its communications platform. The partnership will enable JT Global to deliver enhanced authentication, identity verification, and fraud prevention capabilities to its global enterprise customers that are critical tools in today’s increasingly digital and mobile-first world.

Through Aduna’s unified API platform, JT Global will gain seamless access to standardized network APIs such as SIM Swap and Number Verification, which allow enterprises to verify the integrity of phone numbers in real time, detect potential fraud, and ensure secure user onboarding and transactions.

“We’re excited to welcome JT Global as a developer platform partner helping to deliver stronger, more secure digital interactions,” said Anthony Bartolo, CEO of Aduna. “By embedding real-time network data into enterprise workflows, JT can help customers stay ahead of threats and meet growing demands for trust and compliance.”

JT’s CPaaS platform serves highly regulated and time-sensitive industries where verified communication is essential. Their Mobile Intelligence division provides real-time fraud prevention and identity solutions, using live mobile network data to help banks and organizations tackle APP fraud, SIM swap attacks, and account takeovers. Its MoneyGuard solution protects over 135 million consumers, while Scam Signal – developed with leading UK banks and major mobile operators – detects impersonation scams and supports compliance with emerging regulatory frameworks.

“Joining Aduna is a natural extension of JT’s commitment to being part of a more secure and intelligent mobile ecosystem. As an active contributor to the GSMA Open Gateway initiative, we believe mobile network operators have a shared responsibility to work together, share intelligence, and make trusted network capabilities more accessible. By combining Aduna’s global reach with JT’s proven expertise in fraud prevention and mobile identity, together we’re helping to deliver real-time services that protect consumers, support compliance, and enable safer digital experiences worldwide said Clare Messenger, Head of JT Mobile Intelligence, JT Group.”

The partnership reflects growing momentum behind GSMA-aligned network APIs and a shared commitment to open standards, interoperability, and security across the digital communications landscape.

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JT appointed by the States of Guernsey

JT has been appointed by the States of Guernsey to provide hosting, network, and infrastructure support for their IT services from August 2025. This new agreement reflects our continued commitment to the Bailiwick of Guernsey, where we’ve proudly had a presence for over two decades. It also marks a natural progression in our partnership — offering continuity, while expanding our remit to support the States’ transition to a multi-vendor model. We’re grateful for the trust placed in us and look forward to working alongside other providers to help deliver secure, resilient digital infrastructure for the island’s public services.

Read more >>

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Operational discipline makes the impossible, possible

Operational excellence rarely makes the front page — but no matter what your business is, we all know it’s what keeps everything running.

In this month’s Business Brief, Kevin Stewart, Head of Enterprise Operations at JT Group, shares how a focus on simplicity, clarity, and continuous improvement helped support the successful launch of JT’s new 5G network. From streamlining systems to empowering teams, Kevin’s approach is about building things that work — and keep working — even under pressure.

It’s not about buzzwords. It’s about doing things properly and getting better every day.

Read the full story >>

JT 5G Switch On
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Jersey’s new 5G network goes live

JT’s multi-million-pound investment in a next-generation mobile network, powered by Ericsson, has entered its final phase with the first sites going live on the new 5G network over the weekend, making it a significant first for the Channel Islands and a leading early mover in Europe.

A launch event took place at JT’s Network Operation Centre, where JT’s engineers worked in sync with Ericsson’s Global Network Operations Centre, via a live link. After months of trials and painstaking optimisation testing, they successfully migrated the old network on sites within Area One in St Ouen and transitioned to the newly built network. Predictions based on early testing show significant signal strength and coverage improvements, culminating in further significant increases in average download speed on the new network compared to the previous connectivity.

This marks the beginning of a new era for Jersey enabling the Island to become a true incubator for innovation across many sectors. This comes just two years on from JT partnering with Ericsson to upgrade  its award-winning network with comprehensive end-to-end 5G solutions.

This process of rolling out the new network will take place over several months, with Areas going live in a phased approach. The full 5G Standalone (SA) experience will only be available once all phases are completed, which is expected by the end of 2025.

5G SA technology is more advanced than the non-standalone (NSA) 5G used by most operators. While Ericsson supports 183 5G networks in 77 countries, JT will be joining 60 leading operators globally with the launch of 5G SA. Combined with JT’s full fibre-to-home service, this will provide Islanders with seamless connectivity both on the ground and in the air, making Jersey one of the most connected places in the world and one of the few networks globally to have end-to-end Ericsson technology.

JT has already invested in extensive core network equipment in Guernsey as part of this initiative and stands ready to switch the radio network to match the capabilities of Jersey’s once the Guernsey Regulator establishes a spectrum licensing framework for the deployment of 5G and future technologies.

The new 5G SA network is designed to provide JT’s Channel Islands customers with world-leading connectivity, continuously enhancing reliability, latency, and security. The telecom’s focus has been on building a robust infrastructure that can adapt to future technologies, remain world-class, and meet both anticipated and unforeseen data demands.

Daragh McDermott, CEO, JT Group said, “Networks are never complete; the work never stops because technology is always improving, so our focus will always be on enabling the technology of tomorrow, for our customers today. We are constantly looking ahead while addressing current needs, providing the best possible connectivity and working with partner organisations and businesses to help them get the most out of the network. It’s about taking the right risks and making prudent investments so everyone can thrive and innovate, advancing the digital economy across the Channel Islands.’’

Katherine Ainley, Chief Executive of Ericsson UK and Ireland, added, “Ericsson and JT share a vision for next-generation connectivity that creates new possibilities for people, businesses, and society. By investing in an end-to-end solution from Ericsson, JT is building a robust network with best-in-class coverage and performance. This advanced infrastructure will not only mean faster and more reliable connections, but also support new devices, services and business models that will position the Channel Islands as a global hub for innovation. We’re looking forward to continuing our partnership to further develop the network and deliver new experiences for JT’s customers.”

Deputy Lyndon Farnham, Chief Minister of Jersey, said, ‘‘We welcome the roll-out across the Island of the new 5G network and the potential for enhanced service, security, resilience and innovation it brings. I was able to visit JT’s Network Operation Centre for the official launch and look forward to hearing more about the performance of the new network and the impact on customers in Jersey.’’

Deputy Kirsten Morel, Minister for Sustainable Economic Development, said, “The launch of this 5G stand-alone network is an important step in driving sustainable economic growth. Not only does it enhance connectivity and support emerging technologies, it will also create opportunities across key sectors, giving us the potential for Jersey to be a global testbed for digital solutions to the challenges of ageing populations and improving productivity that Western jurisdictions are all facing.”

Daragh added, ‘’We all have a common goal, and that’s to keep raising the bar for our customers. We will continue to invest and develop our networks for our customers, supporting their increasing needs and providing superior customer service alongside it.’’