Modern Banking Fraud Digital banking has transformed how we manage money, but convenience often comes with risks. A 2025 Federal Trade Commission report revealed that U.S. consumers lost over $8.8 billion to fraud, with account takeover incidents surging 42% year-over-year. Today, fraud isn’t just about stolen logins; it can occur at any point in the customer journey, from account opening to logout. The challenge for banks is clear: how do you secure the entire journey withou