Application fraud has never been more sophisticated or more costly. Synthetic identities, AI-powered fraud, and coordinated fraud rings are exploiting onboarding controls at a pace that legacy verification systems cannot match. At the same time, institutions that over-tighten friction at onboarding pay a real price in abandoned applications and lost customers.

This panel discussion examines how fraud teams are rethinking application fraud prevention from the ground up, all through deploying next-generation identity verification and persistent device-level signals to stop fraud at the door without turning away the customers they worked hard to acquire.