The Fortitude Pledge: Our commitment to a better world
Because stopping 100% of financial crime is not optional - it’s essential. Join us in setting a new standard for the payments industry. Go beyond compliance. Take a stand.
Download the fact sheetA financial system should empower, not endanger
The payments industry plays a crucial role in enabling financial freedom and economic growth. However, without the right safeguards, financial systems can be exploited for criminal activity. Human trafficking, money laundering and terrorist financing continue to have devastating consequences, often affecting the most vulnerable in society.
Migrants, refugees and the elderly are frequently targeted by financial fraud and exploitation as they often lack access to secure financial services.The industry must do more than simply process payments. It must ensure that those payments do not contribute to crime.
As part of its work with the UN Global Compact programme and in support of SDG 16, Enfuce is taking a stand with The Fortitude Pledge – a bold commitment to eliminate 100% of financial crime risk from its payment processing systems. Because anything less than full commitment means accepting the unacceptable and that’s a compromise the industry cannot afford.
Enfuce is also calling on the entire payments industry to join the Pledge and move beyond checkbox compliance – to build a financial system that protects, empowers, and creates a safer world for all.
The challenge: removing hidden risks from every transaction
As the world leans further into card-based transactions, financial crime has become easier to commit, more sophisticated, more scalable, and more dangerous than ever.
Some key statistics highlight the scale of the problem:
- Human trafficking alone has become a nearly £400 billion industry, with financial institutions unknowingly processing payments linked to these crimes.
- $2 trillion is laundered annually through legitimate financial systems, distorting economies and funding criminal operations.
- Card identity theft losses have increased by 200% since 2021, with vulnerable individuals disproportionately affected.
Current regulations don’t go far enough to fully eliminate the risk of illicit financial flows, and consumers are taking notice. 63% of UK consumers believe banks should go beyond compliance to ensure money isn’t used to fund crime.
The payments industry must take responsibility. Every transaction has the potential to either support or stop these crimes. Enfuce is committed to ensuring it is the latter.
The solution: The 100% commitment
Enfuce has pledged to eliminate 100% of financial crime risks from transactions processed through its systems. This is an active commitment backed by measurable actions. Through The Fortitude Pledge, Enfuce has committed to:
100% of employees trained.
In Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) best practices, ensuring a workforce that actively detects and prevents crime.
100% of high-risk transactions flagged.
For further investigation to stop fraudulent activity.
100% of suspicious transactions reported
To the appropriate authorities, ensuring accountability.
100% of transactions screened.
To detect potential risks and prevent financial crime.
100% of prohibited transactions blocked.
Ensuring payments linked to illegal activities are not processed.
Driving industry-wide change
Lasting change requires collective action. The payments industry, governments, regulators and businesses must work together to build an inclusive ecosystem that prevents financial crime and supports ethical finance. The key areas for industry-wide impact are:
Protecting vulnerable communities
Payment systems should not enable the exploitation of at-risk individuals, including migrants, refugees and the elderly. Financial institutions must implement stronger safeguards to protect these groups.
Educating the public
Consumers and businesses need to understand how financial transactions can be used in criminal activity. Raising awareness can lead to greater vigilance and proactive reporting of suspicious behaviour.
Driving industry change
Payment providers must be held to higher standards for fraud prevention, AML compliance and transaction monitoring. Ignoring red flags is no longer acceptable.
Setting a higher standard
Enfuce’s approach to fraud prevention, security and compliance goes beyond regulatory requirements. By setting a new benchmark, we are encouraging others to do the same.
Join The Fortitude Pledge. Be part of the change
The Fortitude Pledge is an open call to financial institutions, businesses and industry leaders who want to make a difference.
By signing the pledge, participants commit to:
- Actively working towards Enfuce’s 100% standards in transaction security.
- Reporting on their progress to promote industry-wide transparency.
As a pledge member, you will receive:
- Fortitude Pledge branding to showcase your commitment to financial security.
- Compliance guidelines and best practices developed by Enfuce’s experts.
- Educational resources to help implement the necessary safeguards.
- Opportunities to collaborate with Enfuce on industry-wide awareness initiatives.
Want to support the mission but unsure how it fits your business? You can still join as a supporter, gaining access to resources and contributing to the movement in a way that aligns with your organisation.
Register your interest to become a signatory
Financial crime won’t stop unless the industry comes together to raise the bar. Enfuce has made its commitment clear—now it’s your turn. The future of finance depends on bold, collective action. Join the pledge today and be part of the movement that’s driving real change.