An Authorized Push Payment (APP) is a type of electronic payment initiated by the payer, typically through online banking or a mobile app, to send money directly to another party. APP fraud occurs when cybercriminals deceive individuals or organizations into authorizing fraudulent payments. This can involve social engineering tactics, such as phishing or impersonation, to trick the victim into making payments to fraudulent accounts. To mitigate APP fraud, financial institutions and individuals must exercise caution, verify payment details, and implement security measures like two-factor authentication.