X-ray analysis of a man-in-the-middle attack of a FUN card

Design the financial crime of the future

Crime, whether we like it or not, is a driving force behind a large proportion of technological ‘progress’.  In 1817, a burglary at a British dockyard led the government to start a competition, challenging locksmiths to invent an unpickable lock.  The result was the Chubb detector lock, and it remained ‘unpicked’ for 33 years.


In the past, adding another lock, or increasing the wall thickness of a safe was the obvious solution to deter theft.  However, money is no longer physical, it is now predominantly a data set shared via telecommunications, secured via encryption, transacted via smartphone or exchanged into V-bucks.  As our money becomes completely electronic, new crimes will undoubtedly be committed, which take advantage of the technology itself or the social conventions on which it rests.  Perhaps if we could imagine what crimes might happen, we could start to think about how to prevent them.


What financial crimes could be committed within a completely electronic marketplace?


We invite creative practitioners to employ a speculative design approach and design a future financial crime.  A crime which utilises a new loophole, a change in social convention or specific technology development.


(Note – Do not commit a real crime!  This competition is only interested in the ‘speculative’ i.e. the potential, not a real world investigation or intervention)

(Click here for a link to the Money2020 open call page)



The competition will run in two phases.

FIRST PHASE – Initial Idea

Please submit an overview of your initial concept. Preferred format = PDF. Maximum 3 pages communicating the concept and examples of previous work (website or PDF). 

Deadline for submission 5th April 2019.

Send entries to FoMAward@money2020.com.


(Full T&C’s can be found here)



SECOND PHASE – Project Development

4 shortlisted entrants will receive €1000 each to develop their idea and produce a short video. The videos and concepts will be presented and judged at Europe’s largest FinTech event, Money20/20 Europe, taking place on 3rd to 5th June 2019 in Amsterdam.  



The Grand Prize

€3000 for the winner


Shortlisted projects

€1000 each for project development.

The shortlisted entrants will have the opportunity to present their concepts at Money20/20 Europe to an audience of financial experts and industry leaders, where the Grand Prize winner will be chosen.