What The Fraud?26 Nov 2025

Glovo's Fraud Playbook: From Free Lunches to Money Laundering

"Fraud is a lot more popular today than it was 10 years ago simply because today you can advertise fraud on TikTok, Snapchat, whatever platform, and you can just have tutorials on how to gamify anything you want at your doorstep."

We think of fraudsters as criminals behind laptops, draining accounts without conscience. But what about that free lunch you claimed on your delivery app or the refund you knew wasn't deserved? Could you be part of the problem too? As the on-demand delivery industry explodes, it's creating new opportunities not just for convenience, but for fraud at every touchpoint.

Our guest in this episode is Boris Montin, FinTech Director at Glovo, who joins host Thomas Taraniuk to discuss how delivery platforms navigate fraud across countries, balancing frictionless customer experiences with robust security measures.

From opportunistic coupon abusers and professional fraudster networks to merchant money laundering and SMS verification scams in Central Asia, this episode reveals the creative schemes targeting delivery platforms. Boris explains how Glovo uses AI and machine learning to detect fraud in real time, why the "perfect level of fraud" is actually about acceptable friction, and how the democratisation of fraud through social media is changing the game. Whether you're ordering dinner or building a marketplace, this conversation offers crucial insights into protecting platforms whilst keeping customers happy.

Sumsub's website: sumsub.com

Sumsub's LinkedIn: linkedin.com/sumsub

Sumsub's Instagram: instagram.com/sumsubcom

Sumsub on X: x.com/Sumsubcom

Sumsub's YouTube Channel: youtube.com/@sumsubcom

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk

Borin Montin on LinkedIn: linkedin.com/in/montinboris/

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