Social engineering is becoming the dominant attack vector against financial institutions and consumers alike. Major Wall Street firms are also facing increasingly sophisticated social engineering attacks targeting employees rather than technical vulnerabilities. Researchers say the kit illustrates how modern scams combine social engineering, phishing and financial fraud into a single operation. Together, the incidents suggest financial fraud is becoming less about defeating technical security controls and more about manipulating human behavior. Article TopicsAI fraud | BioCatch | deepfakes | financial crime | financial services | fraud prevention