Banks are under significant pressure to enhance fraud prevention measures due to increased regulatory scrutiny on peer-to-peer payment scams, particularly on platforms like Zelle, and customer demands for stronger account security without compromising user experience. They face the challenge of distinguishing legitimate customers from fraudsters, as account takeover fraud often appears authentic and can lead to financial losses before detection. To address these issues, banks are investing in biometric authentication, AI-driven fraud models, and device intelligence tools like Fingerprint, which enhance existing systems and enable real-time detection of suspicious activities. These technologies aim to provide seamless yet secure user experiences by balancing fraud reduction with customer convenience. By integrating persistent device identification and real-time contextual signals, banks can improve fraud detection accuracy and meet compliance requirements while maintaining a frictionless banking experience.