Cracking the Identity Code: The Identity Crisis in a Borderless Financial System

We’ve broken out our next installment, “Fraud, Scams, and Broken Policy,” into a three part series, where we help break down the current state of scams in the U.S. In Part 1, we take a closer look at the growing issue of authorized payment scams and how existing regulations and product design have impacted this trend.

Ian Macallister

September 4, 2025

Fraudsters are skilled at recycling credit cards, identities, and email addresses. But one thing they can’t constantly spin up? Their device. That’s where device intelligence (sometimes called device fingerprinting) comes in, helping businesses connect the dots between transactions, identities, and devices to keep fraud at bay.

Lauren Hintz

September 3, 2025

Paper closings aren’t just outdated. They’re expensive in ways that don’t appear on the balance sheet until it’s too late. Title companies that continue to accept those hidden costs risk falling behind. Online closings, by contrast, turn inefficiency into opportunity.

Kavya Qin

September 2, 2025

Power of Attorney (POA) forms are critical for serving members through life’s milestones: managing a spouse’s finances, helping aging parents, or stepping in during deployment or illness. But for many credit unions, the POA process is still manual: paper-based, error-prone, and slow. Here’s why manual POA workflows are holding credit unions back, and how leading institutions are digitizing the process to serve members faster and more securely.

Kelley Pidhirsky

September 1, 2025

POAs are intended to help transactions move forward. They come into play when a seller is overseas, a spouse is unavailable, or a trusted agent needs to act on someone’s behalf. In practice, however, they often bring everything to a halt.

Kavya Qin

August 26, 2025

Make your workflows smarter and your accounting cleaner with tools built for scale.

Proof

August 25, 2025