Is pre-login fraud the blind spot in fintech security?
Most fintech fraud prevention still seems focused on what happens once someone is already inside the app or portal: suspicious logins, unusual transfers, payment blocks, KYC/AML checks, and account takeover signals. Those are all important, but I wonder if the bigger gap is everything that happens before the user ever reaches the real platform.
A lot of scams now seem to begin with fake bank pages, spoofed support chats, fake fraud alerts, cloned login flows, or someone being coached into trusting the wrong interface. By the time the activity shows up inside the fintech system, the user may already believe they are doing the right thing in the right place. It makes me wonder whether fintech fraud prevention is still too centered on detecting the final action, rather than the manipulation that leads up to it. Where do people think the real answer is here?