---
type: "AIHallucinationFinding"
title: "A market briefing on the global fast payment system landscape was asked to include the proportion…"
citation_id: "RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q010-Sonnet46"
finding_uid: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-010--sonnet-46-websearch"
question_uid: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-010"
regulation_id: "INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024"
regulation_slug: "CPMI-API-HARMONISATION-CROSS-BORDER-2024"
regulation_title: "Promoting the Harmonisation of Application Programming Interfaces to Enhance Cross-Border Payments: Recommendations and Toolkit"
regulator_short_code: "BIS-CPMI"
regulatory_body_id: "BIS-CPMI-INT-001"
jurisdiction_code: "INT"
j_level: "J1"
ai_subject: "claude-sonnet-4-6"
ai_subject_display: "Claude Sonnet 4.6 (web search on)"
ai_subject_version: "sonnet-46-websearch"
response_failure_mode: "inference_drift"
substrate_document_name: "p_10_GUIDELINE_Tara_Rice_speech_Nov_2023___FPS_statisti_d230.htm"
substrate_document_path: "https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-API-HARMONISATION-CROSS-BORDER-2024/_raw_manual_substrate/p_10_GUIDELINE_Tara_Rice_speech_Nov_2023___FPS_statisti_d230.htm"
substrate_section_anchor: "Tara Rice speech Nov 2023 — FPS statistics: 70+ systems globally, 14 already cross-border, 24 planning"
citation_issue_types: ["Contradictory", "Pretextual"]
audiences: ["ai_labs"]
published_at: "2026-06-04T03:07:05.745438+00:00"
substrate_version: 1
methodology_version: "2.3"
license: "CC-BY-4.0"
resource: "https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-API-HARMONISATION-CROSS-BORDER-2024/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-010--sonnet-46-websearch/"
tags: ["ai-hallucination", "inference_drift", "bis-cpmi", "cpmi-api-harmonisation-cross-border-2024", "int"]
timestamp: "2026-06-16T00:00:00+00:00"
---

# AI Hallucination Finding: A market briefing on the global fast payment system landscape was asked to include the proportion…

- **Citation ID.** `RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q010-Sonnet46`
- **Finding UID.** `INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-010--sonnet-46-websearch`
- **Regulation.** [`CPMI-API-HARMONISATION-CROSS-BORDER-2024`](/okf/regulations/CPMI-API-HARMONISATION-CROSS-BORDER-2024.md) — Promoting the Harmonisation of Application Programming Interfaces to Enhance Cross-Border Payments: Recommendations and Toolkit
- **Regulator.** [`BIS-CPMI-INT-001`](/okf/bodies/BIS-CPMI-INT-001.md) — Bank for International Settlements — Committee on Payments and Market Infrastructures (CPMI)
- **AI subject.** Claude Sonnet 4.6 (web search on)
- **Failure mode.** [`inference_drift`](/okf/taxonomy/failure-modes.md)
- **Published.** 2026-06-04T03:07:05.745438+00:00

## Question put to the AI subject

A market briefing on the global fast payment system landscape was asked to include the proportion of fast payment systems operated by central banks versus private entities. The response correctly cited the 70+ global systems, 14 already cross-border, and 24 planning links — but falsely stated the ownership breakdown was not available in public CPMI sources, when the November 2023 CPMI speech by Tara Rice explicitly gives 40% central bank-operated and 35% privately operated.

## AI subject's verbatim answer

A precise percentage breakdown of central bank vs. privately operated FPS is not enumerated in the public Brief 10 summaries available.

## Verbatim regulator text contradicting the answer

> Speech sp231115 (Nov 2023, Tara Rice): '70+ domestic fast payment systems currently operational globally'; '14 fast payment systems already enabling cross-border exchanges'; '24 systems planning linkages within five years'; '40% operated by central banks; 35% by private entities'

_Source:_ [p_10_GUIDELINE_Tara_Rice_speech_Nov_2023___FPS_statisti_d230.htm](https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-API-HARMONISATION-CROSS-BORDER-2024/_raw_manual_substrate/p_10_GUIDELINE_Tara_Rice_speech_Nov_2023___FPS_statisti_d230.htm)
_Section anchor:_ Tara Rice speech Nov 2023 — FPS statistics: 70+ systems globally, 14 already cross-border, 24 planning

## Failure mode

**`inference_drift`** — Inference drift — the AI inferred a conclusion the regulator's text does not warrant, often by combining unrelated provisions.

## Citation-issue types

- **Contradictory** — <https://www.bis.org/cpmi/publ/brief10.htm>
- **Contradictory** — <https://www.bis.org/cpmi/publ/brief10.pdf>
- **Contradictory** — <https://www.bis.org/cpmi/publ/brief7.pdf>
- **Pretextual** — <https://www.regulationtomorrow.com/eu/cpmi-issues-two-reports-offering-insights-into-enhancing-cross-border-payments/>

## Related concepts

- Regulation: [CPMI-API-HARMONISATION-CROSS-BORDER-2024](/okf/regulations/CPMI-API-HARMONISATION-CROSS-BORDER-2024.md)
- Regulator: [BIS-CPMI-INT-001](/okf/bodies/BIS-CPMI-INT-001.md)
- Failure-mode taxonomy: [inference_drift](/okf/taxonomy/failure-modes.md)
- Methodology: [v2.3](/okf/methodology.md)
- Editorial standards: [right of reply](/okf/editorial-standards.md)

## Reproduction

Citation ID: `RLB-H-INT-BIS-CPMI-API-HARMONISATION-CROSS-BORDER-2024-Q010-Sonnet46`

Resource URL (HTML view of this finding):

<https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-API-HARMONISATION-CROSS-BORDER-2024/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-API-HARMONISATION-CROSS-BORDER-2024-v1-010--sonnet-46-websearch/>

This finding is reproducible against the substrate document linked above, using the same AI subject, the same methodology version, and the verbatim question text.