Passkeys resist phishing only if recovery does too
Map synced and device-bound passkeys, backups, weak fallbacks, and device-loss recovery before changing sign-in methods.
Source-checked guide
STAY SAFE / SLOW THE MOMENT DOWN
The most useful button
can be pause.
A payment request can look familiar and still need a second look. Use a few deliberate checks before money leaves your account.
A GOOD PLACE TO BEGIN
Follow a reading path.
01
Check the recipient
Double-check the destination before paying. An unexpected request from someone you know deserves a separate conversation.
02
Protect the account
Use multifactor authentication where available. Don’t share account credentials with someone who contacts you.
03
Act if something is wrong
Contact the payment provider if you suspect a scam or an unauthorized payment. The FTC also accepts scam reports; reporting does not promise reimbursement.
Source: Federal Trade Commission . Checked 19 Sep 2026.
FROM THE RESEARCH LIBRARY
Keep asking good questions.
Use a callback protocol when a familiar voice asks for money
A channel-switching protocol for family, bank, executive, and official impersonation that does not depend on detecting synthetic audio.
Source-checked guide
Respond to a lost phone that holds payment accounts
Lock the device, number, wallets, and accounts in priority order, then document and report suspicious transfers.
Source-checked guide
Before you press send, take a beat.
Recognize payment requests designed to rush you past a good question.
Research draft
Deepfakes and Voice Cloning: The New Face of Bank Fraud
How AI voice clones and deepfake video are used in bank and business fraud, the warning signs, and practical defenses for families and finance teams.
Research draft
Passkeys in Banking: Why SMS Codes Are on the Way Out
What passkeys are, why banks and regulators are moving away from SMS one-time codes, and how to set up stronger sign-in on your financial accounts.
Research draft