Is pre-login fraud the blind spot in fintech security?

Summary

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 trusti

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