Strategy / Governance / Execution
Strategic insight.
Practical execution.
Armidale advises leadership teams on strategy, governance and high-impact change across telecom, fintech and digital businesses. We bring decades of executive experience to help clients identify the right moves and deliver them effectively.
What we doPerspectives
Industry leading research from the Armidale team.
What Coordination Is Worth: How Shared Defence Reduced Fraud Loss in Two Markets
27.6%
fall in Singapore scam cases in 2025, the first annual decline on record
Written for CROSEC. Card fraud inside Australia's coordinated framework fell against a larger exposure base, while scam losses outside any equivalent framework rose. Retail sits outside both arrangements.
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The Industrialisation of Return Fraud: How Generative AI Turned an Opportunistic Nuisance into a Shadow Economy
15%
of all retail returns are now estimated to be fraudulent or abusive
Written for CROSEC. Generative AI removed the skill that used to separate the opportunistic customer from the organised syndicate, and return and claims fraud has industrialised as a result.
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Peak Season 2025 in Australia: The Rising Ticket Size of Card-Not-Present Fraud
A$145
average value per card-not-present fraud transaction in 2024, up 9 per cent on 2023
Written for CROSEC. Fraud value is growing faster than fraud volume through Australia's peak trading period, which makes the governance question one of value at risk, not case count.
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What we do
We advise on the decision, then stay accountable for the delivery.
Strategy and growth
Where to play and how to win across APAC.
Governance and risk
Decisions that stay defensible under scrutiny.
Execution and delivery
Turning the decision into the outcome.
The firm
Senior people, doing the work.
Armidale was founded by operators from global telecom, fintech and technology businesses. We have held the roles our clients hold, carried the same accountabilities and answered to the same boards.
About the firm