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Scam Signal Solution from FICO and Jersey Telecom Wins Anti-Fraud Award

FICO® Customer Communications Service Scam Signal wins award at Credit & Collections Technology Awards; solution uses telephony signals to spot scams

LONDON – 18 November, 2024 (International Fraud Awareness Week) – FICO (NYSE: FICO)

A new solution from global analytics leader FICO and Jersey Telecom (JT) received the Best Anti-Fraud Solution award at the Credit & Collections Technology Awards on November 7 in Manchester. The FICO® Customer Communications Service solution, called ‘Scam Signal’, uniquely uses telephony signals to detect potential scams. The solution, which is available in the UK and soon to launch in Spain, also won silver in the Datos Insights awards earlier this year.

Scam Signal is the first real-time application of telephony data being used with customer and payment data to tackle the issue of authorised push payment (APP) fraud, where consumers are tricked into authorising payments from their accounts to scammers. It is the only solution that provides an integrated approach, seamlessly connecting telephony data with fraud decision making and prevention. This enables direct, near real-time customer intervention to determine if a payment should proceed.

“With APP fraud causing £460 million in reported losses in the UK in 2023 and new regulations mandating reimbursements, the need for banks to adopt preventative solutions is more urgent than ever,” ’said Clare Messenger, Head of Mobile Intelligence Solutions at JT. “This technology is a breakthrough in fraud prevention, using telephony signals to detect subtle signs of fraud at its source. This means banks and other organisations can take proactive measures to prevent financial loss.  ’We are delighted that the solution has been recognised and hope it contributes to reducing fraud statistics as banks across the UK use it to protect their customers.”

Scam Signal uses advanced analysis of real-time network data together with customer and payment data, during live transactions, to effectively detect and mitigate social engineering attempts aimed at deceiving and defrauding account holders. The solution can incorporate this data across 2G, 3G, 4G, 5G Volte and Wi-Fi calling for multiple mobile network operators and is currently being extended to support UK landlines.

Results from banks using the solution include:

  • Reduced the number of people scammed by 41%.
  • Decreased fraud losses from scams by 44%.
  • Lowered false positives (payments flagged as fraud that are in fact genuine) by 55%.

“Stopping any kind of scam or fraud requires a real-time response,” said Matt Cox, vice president and general manager of FICO in EMEA. “Working with JT, we have integrated Scam Signal with our omni-channel communications solution so that banks can easily interact directly with their customers to provide warnings and guidance that can prevent them from sending a payment to a fraudster, reducing the number of people who fall victim to scams.”

About the Credit & Collections Technology Awards

The Credit & Collections Technology Awards recognize excellence and innovation in the UK credit and collections industry. These prestigious Awards are judged by an independent panel of industry experts.

The full list of winners is at https://awards.credit-connect.co.uk/awards-winners.



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JT’s Scam Signal to Combat Fraud as New UK Banking Regulation Comes into Effect

In a significant move towards protecting consumers from financial scams, Jersey Telecom (JT) recently launched a pioneering product designed to shield customers from impersonation scams, particularly Authorised Pushed Payment (APP) fraud. The Scam Signal launch comes as the Payment Systems Regulator (PSR) is introducing a new UK regulation that mandates banks to compensate customers defrauded up to £85,000. 

Scam Signal, developed in collaboration with Vodafone Carrier Services and global analytics leader FICO, is the first real-time application of telephony data used alongside customer and payment data to address APP fraud. This multifunctional tool allows businesses to protect their customers by swiftly identifying and blocking fraudulent bank transfers as they occur.   

With the new regulation due to come into force 7th October 2024, JT’s solution offers banks a proactive approach to safeguarding their customers and minimising financial losses.   

JT, known for its leading position in Mobile Intelligence, has integrated Scam Signal into its suite of mobile intelligence solutions. Having successfully piloted the solution with a leading UK high street bank, Scam Signal is now live with four major banks and has already improved fraud detection by 30%, asserting its efficacy in safeguarding financial institutions and their customers. 

Scam Signal has been named as Silver Award winner for ‘Best Scam and Authorised Push Payment (APP) Fraud Prevention Solution 2024 by Datos Insights. This accolade highlights the exceptional innovation and effectiveness Scam Signal brings to the financial services industry, setting a new standard for fraud prevention globally.  

Clare Messenger, Global Head of Mobile Intelligence at JT Group, stated, “Our technology represents a breakthrough in fraud prevention, directly addressing the needs of financial institutions by tackling fraud at its source. It’s an essential component of JT's Mobile Intelligence solutions, using telephony signals to spot the subtle signs of fraud that enable banks and other organisations to take proactive measures to prevent financial loss.” 

Given the surge in APP fraud globally, and with the UK witnessing losses exceeding £340.65m in 2023 alone, Scam Signal’s partnership with UK banks couldn’t come at a better time. This growing threat and increased pressure from new regulation mandating reimbursements highlights the need for banks to adopt more preventative solutions to minimise their exposure to risk. 

Clare Messenger

Clare Messenger
Head of Mobile Intelligence
Book a meeting with Clare >



Fish and Chips with Guernsey Volunteer Service
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JT’s Community Giving Scheme provides a traditional British seaside treat for GVS social clubs

Thanks to JT’s Community Giving scheme 153 islanders enjoyed a fish ‘n chip lunch this summer.

The Guernsey Volunteer Service (GVS) coordinated this tasty treat for members of The Russells and Jubilee social clubs.

The Russells held their Fish n Chip week on the 3rd, 4th, 5th, and 9th of July, while Jubilee followed suit in August. Typically, clients attending the social clubs pay £9.50, which covers transport and lunch. Thanks to JT’s contribution, all 153 clients enjoyed their delicious meal free of charge this year.

Mandy Les Bachelet, Manager at the Guernsey Volunteer Service, expressed her gratitude, saying, ‘We used to take our clients out for a meal during summer, but due to mobility issues, we’re no longer able to do that. A delivered Fish ‘n Chip supper is a much anticipated treat for our clients and our volunteers.

Our clients are generally elderly islanders; we’re so grateful to JT for their kind and generous donation; it’s a real highlight of the summer for everyone, the donation has made this much-loved tradition accessible to all.’

Pip Carpenter, Head of Consumer Markets and Community Partnerships at JT, added, ‘Our contribution means more than just providing a meal – it’s about keeping the laughter, the stories, and the companionship that these gatherings bring, alive.  We are proud to have supported the GVS’s Fish n’ Chip Week, helping them to enable these precious moments to continue despite financial or mobility challenges. It’s the small things that remind us of the strength found in community connections.”

The Guernsey Volunteer Service runs two social clubs, The Russells and Jubilee, and delivers meals on wheels, bathing services, and trolley shops, making a significant difference in the lives of many islanders. For more information about GVS and how you can support their mission, visit GVS.

JT Community Giving Scheme is open to all registered not-for-profit organisations, schools, and community groups across the Channel Islands, for more information please visit JT Community Giving.



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JT’s Community Giving Brings Real-Time Safety to La Vallette Pools

Vive La Vallette is the latest Guernsey charity to receive support from JT’s Community Giving scheme. JT’s donation of a live webcam, now enables Islanders to access live video footage of sea conditions and local weather at the pools.

Helen Bonner-Morgan, Operations Director at Vive La Vallette, said: ‘Thanks to JT’s sponsorship of the webcam, visitors now have real-time access to the weather and sea conditions allowing them to plan their visits more effectively and arrive at the best times to enjoy the pools. Some pool users have already told us how the live feed helps them to make the most of their lunch time and builds excitement for their swim.
‘We believe it enhances the overall experience, but importantly it also promotes safety by enabling visitors to make informed decisions. Ultimately, the webcam boosts visitor engagement and satisfaction..’

Since the installation, the webcam has received an overwhelmingly positive response from regular visitors. Many appreciate the convenience of being able to see the sea conditions before making the trip, while some parents have also found it helpful for planning family outings.

Helen continued: ‘Feedback has been brilliant and reinforces how technology can enhance the public’s experience of our amenities. We’re very grateful to the JT Community Giving scheme for seeing the potential and supporting this installation.’

La Vallette is a much-loved location, and this new feature further enhances its appeal as a prime destination for locals and tourists alike. With this latest development, Vive La Vallette continues its commitment to providing a thriving community space.

Pip Carpenter, Head of Consumer Markets and Community Partnerships, said: “La Vallette is more than just a historic outdoor bathing pool, it’s a much-loved spot for sea swimming enthusiasts. With the introduction of a live webcam, visitors can now check sea conditions at any time they want, it’s modern technology helping those that love everything about seaside swimming. This digital addition ensures that this beloved local spot remains accessible and safe for year-round enjoyment, preserving its natural beauty while enhancing the experience for everyone.”

JT Community Giving Scheme is open to all registered not-for-profit organisations, schools, and community groups across the Channel Islands, for more information please visit JT Community Giving and to check live footage at the Bathing Pools click here.



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Pilot Workshop by JT Helps Reconnect People with the Workforce

JT has successfully concluded a pilot workshop aimed at attracting individuals who have been out of the workforce for an extended period. This initiative highlights JT’s commitment to building a sustainable business while growing a diverse and inclusive culture.

Recognising that those not in education, employment, or training often feel overlooked, JT has taken a proactive approach to dispel the myths and highlight the relevance and transferability of their skills and experience.

The workshop was designed to demonstrate JT’s flexible, inclusive, and accommodating work environment. To achieve this, current employees, particularly those who work part-time, are parents or carers, or have made significant career changes later in life, stepped up to represent the business. These advocates shared their personal experiences, providing attendees with authentic insights into life at JT.

Laura Belo, Head of Human Resources at JT, explained: “We wanted to offer a return-to-work workshop to introduce people to our business, our products and services, values, and our inclusive working practices. While we are very actively engaged with schools and colleges on the island through enrichment workshops, talks, and career fairs, we recognised a gap in our outreach efforts. This workshop was an opportunity to connect with those not in education, employment, or training, understand their needs, and explore how we can help them and benefit from their talents.”

In 2023, only 30% of applicants for positions at JT were female, despite women comprising approximately 50% of the working population. This discrepancy highlighted the need to address misconceptions about working in telecommunications. The workshop, held in collaboration with Back to Work earlier this month, has helped in part to successfully portray real life at JT.

Joanna Baran, Back to Work Recruitment Officer at Business Hub, said: ‘’Our clients found the workshop insightful and enjoyable; it offered valuable guidance for transitioning back to the workplace, and the interactive sessions made the experience both engaging and practical.”

The results of the workshop have been promising, of the applications received since the workshop, 50% of them have already been offered a role at JT, which demonstrates the effectiveness of the initiative in reaching out to and supporting those who have been out of the workforce.

Laura added ‘’By engaging with a broader demographic and being able to let them see for themselves the diverse and supportive environment we have at JT, its given us an additional opportunity to expand our talent pipeline and support our commitment to social responsibility and sustainability. This initiative is a testament to JT’s belief that everyone has valuable skills and experiences to contribute, regardless of their time away from the workforce.

For more information about employment opportunities at JT, please visit our website or contact our HR department.



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Progress Milestone: JT and Ericsson Open Test Centre for Next-Generation Mobile Network

One year into a major infrastructure project, JT Group is delighted to announce that the programme to build the Channel Islands’ next-generation mobile networks is not only on schedule but has achieved a pivotal milestone by entering the testing phase.

5G technology promises unprecedented speeds, ultra-low latency, and massive connectivity, revolutionising industries and transforming communication. While its benefits are already enjoyed across Asia, the US, and most major UK towns and cities, rigorous testing across various stages of deployment and operation is essential to realise its full potential in the Channel Islands. This involves lab-testing environments and real everyday scenarios.

A dedicated state-of-the-art test lab, a separate controlled space replicating the network production environment, has now been established in Jersey. This facility will enable engineers to test changes before implementation, ensuring network performance and reliability.

Daragh McDermott, CEO of JT Group, said: “Reaching this exciting and critical phase on time is a testament to the exceptional skills of our team. The meticulous testing required to ensure network performance and reliability is of utmost importance. This new test environment represents a significant step towards achieving the technological transformation needed to meet future demands for Channel Islanders.”

The project includes mobile network modernisation and upgrades to JT’s Radio Access Network (RAN), Transport/Transmission and Core Network infrastructure and associated Network Management and operations tools. Beginning last year, the project features Ericsson’s advanced telecommunications solutions, software and services, especially the latest energy-efficient features, supporting a sustainable network evolution. In tandem with this project, JT continues its progress to simplify, digitise, and automate its processes, systems, and customer offerings, aligning with today’s consumer, business, home, and industry needs.

Katherine Ainley, CEO of Ericsson, UK and Ireland, said: “Our collaboration with JT is driven by a shared vision for next-generation connectivity. New technologies and architectures bring both benefits and challenges. The start of testing marks an exciting step towards completing a next-generation network, promising enhanced connectivity and innovation for the Channel Islands.”

Deputy Lyndon Farnham, Chief Minister of Jersey, said: “This substantial investment by JT will ensure islanders have access to the opportunities that new technology brings. Focusing on the future, this development of a next-generation mobile network is about more than improved connectivity; it is about building a resilient, innovative, and prosperous future for generations to come. This lab will evaluate equipment performance and validate new technologies, ensuring that the islands remain at the forefront of communications technology, offering access to cutting-edge services and products.”

Daragh McDermott, CEO of JT Group, added: “We are committed to building a network that delivers exceptional connectivity and encourages innovation, powering new services for consumers and businesses and contributing to the digital transformation and economic growth of Channel Islands. All things going well, we remain on track to deploy 5G by the end of 2025.”



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JT donates ‘Purple’ phones to Safer, boosting community support for domestic abuse sufferers

Safer, a Guernsey charity that supports and empowers those experiencing domestic abuse, has launched its first community ‘Safer Space’ at the Guille-Alles library with help from JT.

The local telco has donated two mobile handsets with striking purple cases, the colour globally recognised as a symbol of support for domestic abuse charities, through its Community Giving scheme.

Anyone wanting to access help, can go to the Guille-Alles library and ask to use the mobile phone.  The receptionist will direct them to a discreet and private space where they can make the call to Safer.

This year Safer has worked with many local businesses to create more physical Safer spaces within the community. These spaces will have purple mobiles with numbers for Safer and other support services pre-programmed, allowing victims to safely and quickly contact the charity without fear of being tracked by their abuser.

Antonia Rainbow, Training Manager at Safer explained: ‘When people think about domestic abuse they usually think about physical abuse in a relationship, however, it can take many forms.  There is also sexual abuse, stalking and harassment, economic abuse and emotional and psychological abuse.  Most victims entering the Safer service will be experiencing multiple forms of abuse so it’s vital they can contact us safely and confidently, without the perpetrator being aware.’

Domestic abuse can affect anyone, regardless of age, background, ethnicity, gender, religion, or sexuality. While it occurs in all types of relationships, most incidents involve men abusing women. Sadly, statistics indicate that 1 in 3 women and 1 in 6 men will face domestic abuse at some point in their lives.

Antonia Rainbow, continued: ‘Alongside the phone at Guille-Alles library we are looking for a location for our second purple phone.  Our hope is to have many more Safer spaces around the Island so that sufferers can visit without causing suspicion to their abusers.  The only way we can stop domestic abuse is to talk about it and we’re really grateful to JT for joining the conversation by making this much needed donation and helping us to raise awareness.’

Pip Carpenter, Head of Consumer Markets and Community Partnerships, at JT said: ‘Our decision to support Safer reflects our genuine commitment to making a meaningful impact in our community. Our goal is to support the dedicated individuals who assist those in our community who are suffering silently. We believe that access to technology can significantly improve the lives of individuals in vulnerable situations by giving them a vital lifeline to seek help.’’



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Safeguarding digital transactions

Did you know that a staggering two-thirds of all reported fraudulent transactions can be traced back to mobile phones? As we increasingly bank, shop, and socialise online, smartphones have become prime targets for cybercriminals. Techniques such as SIM Swap fraud, Authorised Push Payment, and Call-forwarding fraud are commonly used to deceive customers.

At JT, we fully recognise the dangers of financial fraud. That’s why we created JT Mobile Intelligence, giving us a unique edge. Our solutions and products, used the world over, verify identities, authenticates transactions, and detects fraud, safeguarding businesses and their customers. These tools are crucial for effective KYC processes, because at the end of the day, happy customers are the core of any business.

Our Chief Product Officer, Tom Noel, explains more about how JT is making a difference, read here.



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Enhanced Internet Connectivity at The Croft with Advanced Wi-Fi Technology

The Croft, a residential care unit in St Sampson, has had a recent upgrade to its internet infrastructure to improve online accessibility for visitors, staff and service users. This was made possible by a generous contribution from the JT Community Giving scheme, which donated JT Total Wi-Fi for the property, maximising their existing broadband connection.

Operated by the Child Development Service, The Croft is a six-bedroom home that provides a short break and respite service for children and young people up to the age of 18 with moderate to severe learning needs or complex physical disabilities. The service also provides support to users in their own home or in community settings as well as running special needs play and activity schemes in the major school holidays.

The donated Plume Pods expand Wi-Fi coverage throughout a building, ensuring a stable and reliable connection that can support the growing number of digital devices being used within The Croft on a daily basis. They also incorporate cutting-edge cyber-protection and intuitive parental controls, creating a safer online environment for all users. JT also donated a set of iPads to help with the team’s learning programmes, providing a portable and accessible way to boost the children’s education and creativity wherever they are.

Nick Phipps, Centre Manager for The Croft said: “We’re really grateful to JT Community Giving for their generous support, which has truly transformed our digital capabilities. This has not only improved the learning and leisure experiences for our kids but also boosted the resources available to our staff and the programming we can offer. It’s made a significant difference in how everyone, children, staff, and visitors, can connect and interact, improving our community’s overall digital experience.”

Kate Marshall, Head of Guernsey Enterprise at JT, commented on the project’s impact: ” Access to the internet is a doorway to the world for everyone, by improving these connections, we’re not just opening up a network; we’re supporting the team at The Croft to unlock countless opportunities for learning, engagement, and growth. For us at JT, our Community Giving Scheme is about ensuring everyone, regardless of their abilities, can safely explore, learn, and thrive in today’s digital age.’’

The Community Giving scheme is open to all registered charities, schools, and community groups across the Channel Islands that meet at least one of four criteria: community support, digital inclusivity, raising awareness of mental and physical health and wellbeing, and environmental improvement.

For more information about JT Community Giving, FAQs and an application form, go to: https://www.jtglobal.com/community-giving/



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The Channel Islands’ has its first Data Roaming eSIM

Seamless Connectivity available for everyone who travels

In a significant enhancement to mobile services, JT has launched the first and only Data Roaming eSIM from a Channel Islands mobile network operator. The JT eSIM is now available to all Channel Islanders and visitors, offering market-leading data roaming rates in the UK and EU helping people save money, regardless of which telecoms provider they normally use – all with the simplicity and ease of eSIM technology.

So what exactly is an eSIM and how does it work? eSIM is a digital SIM already built into modern devices, like newer smartphones and tablets, eliminating the need for a physical SIM card. To activate it, you just scan a QR code or download it through an app, which lets you connect to a mobile network in minutes.

The JT eSIM is the best option if you’re looking for an easy way to stay connected while travelling. You won’t need to switch SIM cards as you move across the UK and Europe, and you’ll get the lowest data rates without the worry of bill shock. It’s also perfect for visitors to the Channel Islands, whether here for a day or a month. The best part? It’s available to everyone, no matter which provider you use. It’s contract-free and doesn’t require credit checks, giving you complete flexibility and control over your mobile usage.

Lee Madden, CEO, GR8 Recruitment said: “Providing affordable connectivity for employees coming to the island to work in various sectors is essential. With JT eSIM, staying in touch with family back home and connecting with new people here is now going to be so much easier. It’s simple to setup, with no language barriers, just scan, pay, and go. It’s flexible, instant, and requires no commitment.’’

Steph Parker, Travel Influencer @bigworldsmallpockets said: ‘’JT eSIM is a game-changer for solo travellers. Instant, secure connectivity which really gives me peace of mind wherever I go. It’s affordable, easy to top up, and knows no borders. Stay connected and safe on all your adventures!’’

The beauty of this option is that the JT eSIM works across multiple countries for 30 days, making it perfect for planned business trips and holidays or spontaneous border-crossing adventures.

Tom Noel, Chief Product Officer, JT Group said: ‘‘At JT, our focus is on the customer. Our Data Roaming eSIM is easy to use, affordable, and flexible, with no long-term commitment required. You don’t need to be a JT customer to enjoy roaming with JT.

Tom added: ‘’With Many CI businesses having an international presence and with many others expanding into new markets, the JT eSIM offers a solution to one of their biggest challenges: maintaining reliable and cost-efficient global connectivity, from a trusted provider that they know they can rely on. eSIM technology is set to replace physical SIMs soon, and we’re committed to staying ahead of these changes to meet the needs of travellers everywhere.’’