The Commonwealth Bank of Australia (CBA) is deploying AI at scale to help protect customer accounts from increasingly sophisticated scams and financial crime.
With CBA processing and analysing more than 20 million payments each day, identifying potentially suspicious activity in real time presents a significant challenge. To address this, the bank deploys a combination of machine learning models and human supervised agentic AI, which supports fraud and technology teams to detect and respond to emerging threats in near real time.
AI-powered systems now generate more than 40,000 proactive alerts each day, warning customers when transactions appear unusual and enabling faster intervention before losses can occur. The bank’s fraud detection technology has played a role in helping to reduce fraud losses by over 20 per cent in the first half of the 2026 financial year compared to the first half of the 2025 financial year.
CBA also partners with Apate.ai, an Australian cyber intelligence company that deploys AI powered bots to engage scammers directly. The intelligence gathered is shared across the broader ecosystem, supporting coordinated industry and national scam prevention efforts. CBA’s use of AI demonstrates how technology and teams can work together to strengthen risk management, improve customer experiences and contribute to a safer digital economy.