Armidale

Perspectives

Industry leading research from the Armidale team.

We publish evidence based research on consumer scams, retail fraud and digital risk across APAC, drawing on our own multi-market consumer surveys and on work produced with partners.

Cover of India Consumer Scam Report 2026: Permission Granted, Cases Still Open

Consumer scams·October 2026

India Consumer Scam Report 2026: Permission Granted, Cases Still Open

87%

of Indian consumers are comfortable with their bank or financial provider using their data to detect fraud, yet a third of reported scam cases end unresolved

Written with GSMA, drawing on our own survey of Indian adults. Indian victims take their case to an organisation more often than victims in any of the six ASEAN markets surveyed, and consumers grant institutions wide permission to use their data to detect fraud. A third of reported cases still end unresolved, and 67 per cent of victims who lost money recover nothing.

Read
Cover of Nobody Answers Any More: The Largest Cost of Scams Is Carried by People Who Were Never Scammed

Consumer scams·September 2026

Nobody Answers Any More: The Largest Cost of Scams Is Carried by People Who Were Never Scammed

56%

of consumers in Southeast Asia avoid inbound contact or transactions because of scam concerns, and those never scammed match the rest to within a point

Armidale research. Every official record of fraud counts the money taken from victims and leaves out the larger cost: the calls left unanswered, the purchases abandoned and the genuine alerts deleted by people who were never scammed. That cost lands on every legitimate business that needs to reach a customer, and no government publishes it.

Read
Cover of The Permission Nobody Used: Twenty-Five Years of Safe Harbour, and the Risks It Left in Place

Consumer scams·September 2026

The Permission Nobody Used: Twenty-Five Years of Safe Harbour, and the Risks It Left in Place

4.2 million

frauds in England and Wales in the year to March 2025, close to half of all crime measured, with no competition guidance of their own

Armidale research. The United States and the United Kingdom both gave firms a safe harbour to share what they know about fraud, and in both cases the sharing did not follow. Both statutes removed the risk that was easy to remove, left one in place deliberately, and never addressed a third at all.

Read
Cover of The Number No Government Publishes: What States Measure When Fraud Is Reported, and the One Metric That Would Change It

Consumer scams·August 2026

The Number No Government Publishes: What States Measure When Fraud Is Reported, and the One Metric That Would Change It

0.35%

of FBI complaints reached the team, even though they claim a 66 percent recovery rate

Armidale research. Governments measure reports received, arrests made and websites taken down, but not whether a case ends for the person defrauded. Measurement follows liability, and on resolution almost no state has made itself answerable for anything.

Read