Thank you for visiting my website. I hope that you find the information helpful.


I regret to announce that I am no longer able to advise or assist with new individual cases of Authorised Push Payment Fraud (APPF), but I will endeavour to continue to support existing cases.

I have made this decision because I need to focus on a small number of strategic issues around APPF, which I sincerely hope will benefit a significant number of people in the longer term.

The resources on this website will remain available on a no-obligation ‘free for personal use’ basis.

If you want to quote any of it in the media or for any commercial purpose, please contact me to discuss it.

Richard Emery
4Keys International