“It’s really hard for fintech companies and banks to deploy products that are both safe for them, meaning they won’t take on a bunch of fraud or compliance losses, but also seamless for their users."

https://techcrunch.com/2021/09/30/alloy-raises-100m-at-a-1-35b-valuation-to-help-banks-and-fintechs-fight-fraud-with-its-api-based-platform/