Brussels, 13/08/2026
Isabel builds shared fraud prevention infrastructure with TILDA
A common terminology, joint fraud investigations and the secure exchange of verified fraud signals help financial institutions identify and address fraud more quickly and collectively. This ambition is central to the fraud action plan that Febelfin developed at the request of Belgian Minister Beenders. One of its concrete outcomes is the launch of TILDA, a platform managed by Isabel that promotes collaboration and information sharing between the parties involved. At the same time, TILDA enables financial institutions to prepare for the forthcoming European obligations arising from the Payment Services Regulation (PSR).
Fraud often unfolds as a chain across multiple organisations and sectors. The victim's bank sees the payment, another bank sees the account into which the money is transferred, whilst organisations in other sectors may hold additional signals about what took place beforehand. In many cases of fraud, the manipulation begins outside the banking channel: the victim is first approached via a phone call, an advertisement or a fraudulent message. Only then does the banking transaction follow.
Viewed in isolation, those elements do not always present a clear picture. However, seen together they can reveal that an apparently legitimate payment does in fact form part of a broader fraud case.
To make that collaboration possible in practice, Isabel is developing TILDA, a neutral and secure infrastructure for joint fraud investigations and the exchange of verified fraud signals.
A common language for fraud
Effective fraud prevention starts with a common language. What cannot be described unambiguously is difficult to tackle collectively. Yet today, organisations do not always use the same terminology to record and describe fraud.
TILDA therefore provides a standardised fraud taxonomy and a common framework for describing the modus operandi. The fraud type describes what happened — for example, phishing, impersonation fraud or investment fraud. The modus operandi describes how the fraudster acted in practice. This shared language enables institutions to classify cases more consistently, identify related cases and uncover connections that are not visible from within a single institution.
Collaborating across institutional boundaries
TILDA enables shared fraud investigations between the financial institutions involved, providing a secure, structured, and standardised environment for information exchange. One of the first practical applications is the tackling of money mule accounts. When a financial institution identifies a suspicious payment, it can request the beneficiary's institution to investigate the relevant account. Once the account is confirmed as a money mule account, other participating institutions can be alerted and check whether related transactions or accounts appear in their systems.
This allows fraud investigators to close information gaps more quickly, link related cases and identify new fraud patterns at an earlier stage.
TILDA as neutral fraud prevention infrastructure
Febelfin coordinated the financial sector's collective response to the call for a sector-wide approach to fraud prevention. Isabel's TILDA plays a prominent role in that response.
TILDA is being built primarily for financial institutions. Isabel is actively expanding the ecosystem and seeking collaboration with other trusted parties, including telecom operators, remote access software providers, digital platforms and organisations such as the Centre for Cybersecurity Belgium.
These parties can contribute relevant signals, such as information about a recent SIM swap, telephone spoofing or the use of remote access software during a sensitive banking transaction. Other organisations can assist in detecting and taking down fraudulent websites, phone numbers and other infrastructure.
Prepared for new European payment rules
The approach to payment fraud is also being strengthened at European level. The European Parliament and the Council reached a provisional agreement on the new Payment Services Regulation (PSR). The provisional agreement includes measures such as stronger fraud prevention and the exchange of fraud-related information between payment service providers. TILDA helps financial institutions prepare for those forthcoming obligations by translating the required collaboration into common definitions, secure information exchange and operational investigation processes.
Isabel's role
Isabel takes on the role of platform builder and neutral connector between the parties involved. Drawing on its many years of experience in securely connecting financial institutions, Isabel develops the infrastructure, integration capabilities and governance needed to exchange sensitive fraud information in a controlled, standardised and legally sound manner.
From test environment to pilot
The first financial institutions are currently being connected to the TILDA test environment. There, they can test and refine the platform's functionality, the joint investigation processes and the exchange of fraud signals.
A first pilot with participating financial institutions in a production environment is planned for the fourth quarter of 2026.
'Fraud prevention starts by speaking the same language,' according to Tim Van der Wee, Chief Technology Officer at Isabel. 'We need to know not only that fraud has occurred, but also what type of fraud it is and how the fraudster operated. Only by sharing that data quickly, securely and in a standardised way can institutions identify and help prevent new fraud more swiftly, connect related cases and gain a clearer picture of the criminal networks behind the fraud. This way, the information can also support detection and prosecution efforts.'
'Fraud cannot be tackled by any single bank, technology company, or public authority acting alone,' David Demerie, Chief Sales & Marketing Officer at Isabel explains. 'TILDA has been built primarily for the financial sector, but its strength grows when other relevant parties can also contribute. That's why we're actively expanding the ecosystem with organisations that can provide expertise, information or fraud signals. In doing so, we bring the right parties together around a shared approach, whilst building on Isabel's long-standing role as a trusted connector.'
