It's also cheap and easy for the bad guys to blow up our phones, call us from anywhere in the world." I'm literally laying wire to the bank," Bercu said. "That all changed with the advent of internet calling platforms where I can say I'm a bank, and I might not be a bank." Bernstein argued the industry needs to move toward a system he called right-to-use, which attaches cryptographic tokens to individual callers. Even so, authentication has not solved the problem, Bercu said, because bad actors now obtain legitimate numbers.