CBA introduces scam detection tools to enhance customer security

The Commonwealth Bank of Australia (CBA) has launched two initiatives aimed at bolstering customer protection against scams.

The first is a Generative AI scam detection tool integrated into the Truyu app, while the second is an enhanced security feature within the CommBank app designed to streamline online card transaction verification.

The new Scam Checker tool allows users of the Truyu app to assess potentially fraudulent text messages.

By taking a screenshot of a suspicious SMS and uploading it to the app, customers can receive immediate feedback on whether the message may be a scam.

This feature is part of Truyu, a digital identity protection application developed by CommBank’s venture scaling division, x15ventures.

Since its launch last year, Truyu has already assisted numerous users by providing alerts in near real-time when their identity is misused at major retailers or when their personal data is compromised in a data breach.

Truyu managing director Melanie Hayden said: “Scam Checker uses Gen AI and CommBank scams intelligence – it’s a powerful combination.

“There’s no single solution to stop scammers, but people can help protect themselves when they stop and check. Scam Checker is another great way to check.”

In addition to the Scam Checker, the CommBank app will now enable customers to verify specific online card transactions in real-time, reducing reliance on one-time passcodes for authorisation.

This new feature is set to be available to customers starting this month.

CommBank general manager of group fraud James Roberts said: “Scammers often impersonate legitimate businesses by sending fraudulent text messages to trick customers into following instructions in the message.

“We’re now asking those customers who use the CommBank app to verify some online card transactions directly in the app instead of sending them a code. We are able to give clearer guidance and warnings in the app than in a text message.”

CBA has reported a notable 76% decrease in customer losses due to scams since the peak period, comparing the second half of FY25 to the first half of FY23.

The bank has invested more than A$900m ($586.5m) in the FY2025 to enhance its measures against fraud, scams, financial crime, and cyber threats.

“CBA introduces scam detection tools to enhance customer security” was originally created and published by Retail Banker International, a GlobalData owned brand.

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