We will begin by exploring a core question: Why has it become so easy to be a fraudster? The focus is shifting from basic threats to the new and unexpected ways fraudsters exploit app functionality for malicious actions. This includes Account Takeover (ATO), Synthetic Identities and Multi-Factor Authentication (MFA) exploitation. We will explain why these MOs have become easier to perform at scale by leveraging AI tools to generate convincing identities and text, and use Botnet-as-a-Service offerings to orchestrate large-scale, automated attacks.

We will discuss how standard data points are no longer enough. We will emphasize the need for more granular, forensic data collection. User behavior data should not just include records of actions but also data points that reveal typing, copying and interactions with an app. We will explain that attestation provides a new, high-fidelity data point. This data is critical for distinguishing between a legitimate user on a real device and a fraudster using an emulator or a tampered app. We'll show how attestation data fits into existing detection methodologies.

We will discuss how the modern approach to fraud prevention involves building security directly into the app's design from the start, shifting from a reactive to a proactive mindset. We will explain the importance of identifying fraud entry points in the user journey, such as profile changes, transactions, or social actions. For each of these crucial entry points, we will learn how to provide layered defenses. As a key component of this layered approach, we'll demonstrate how App and Device Attestation provides an un-spoofable layer of trust. We will also explain that attestation works silently and frictionlessly in the background, making the security invisible to legitimate users while providing a strong layer of trust that protects the user and the business.

We will explain the importance of a formal, continuous process for identifying business logic flaws in your own product. This involves proactively and collaboratively analyzing new features to identify how they could be abused before they are built. We will discuss the value of strategic foresight by analyzing how new market and technology trends will create the next generation of fraud threats. The best strategies are built in full partnership between product, engineering, data, and support teams to balance security with business goals. This culture ensures security is integrated from day one and not added as an afterthought.