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  "domain": "payments",
  "title": "Japan bank API incident and fraud-control map",
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  "frontmatter": {
    "title": "Japan bank API incident and fraud-control map",
    "aliases": [
      "japan-bank-api-incident-and-fraud-control",
      "Bank API fraud control Japan",
      "電子決済等代行業 fraud control"
    ],
    "domain": "payments",
    "type": null,
    "created": "2026-05-22",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-22",
    "confidence": "likely",
    "tags": [
      "payments",
      "bank-api",
      "fraud-control",
      "incident-response",
      "electronic-payment-agency",
      "AML"
    ],
    "status": "active",
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    "note": null,
    "sources": [
      "https://www.fsa.go.jp/news/r2/sonota/20201110/20201110.html",
      "https://www.fsa.go.jp/common/law/guide/city/10.html",
      "https://www.fsa.go.jp/common/shinsei/dendai/index.html",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.pdf",
      "https://www.fsa.go.jp/menkyo/menkyoj/dendai.xlsx",
      "https://www.fsa.go.jp/koueki/koueki10h.html",
      "https://www.fsa.go.jp/en/laws_regulations/str.html",
      "https://www.fsa.go.jp/en/newsletter/accessfsa2020/207.pdf",
      "https://www.zenginkyo.or.jp/fileadmin/res/abstract/council/openapi/openapi_text_1.pdf",
      "https://www.fisc.or.jp/document/fintech/journal/journal_api.php",
      "https://jeppo.jp/bankpay/dl/eg-dendaigyou/ver1.pdf",
      "https://www.fapi.or.jp/link/"
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  "summary": "Bank API risk in Japan is not only a cybersecurity issue. It is a control chain across bank authentication, customer consent, electronic payment agency registration, API contracts, unauthorized withdrawal response, suspicious-transaction monitoring, reimbursement / complaint handling, and downstream",
  "headings": [
    "Japan bank API incident and fraud-control map",
    "Overview",
    "Incident Surface",
    "Control Stack",
    "Why The Boundary Matters",
    "JapanFG Relevance",
    "Investigation Checklist",
    "Related",
    "Sources"
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