In the competitive fintech and banking sector, creating a seamless returning user experience (RUX) at the login stage is crucial for customer retention and growth, yet challenging due to the need to balance security with user convenience. Industry leaders such as Plaid, Ramp, and Razorpay, as well as traditional banks, are leveraging advanced technologies like device intelligence to improve the login process, addressing issues like account takeover (ATO) attacks and compliance with regulations such as the EU's Strong Customer Authentication (SCA). Multi-factor authentication (MFA), while useful, can frustrate users if poorly implemented, leading to potential customer churn and increased fraud risk. As a solution, banks and fintechs are adopting frictionless authentication technologies like Fingerprint’s device intelligence, which offers passwordless login, enhances fraud prevention, and meets compliance requirements, thus reducing login friction while maintaining security and user satisfaction.