There's always a tradeoff between making it easy for legitimate customers to try out the product, and making it hard to abuse. If you bias for preventing fraud,

There's always a tradeoff between making it easy for legitimate customers to try out the product, and making it hard to abuse. If you bias for preventing fraud, you have less customers, and vice versa. This was written about a bunch in the context of PayPal in Jimmy Soni's excellent history of PayPal [0], as this is basically why companies like PayPal/Stripe exist: banks optimize for reducing fraud, and not for making it easy to become a customer. So they have very little fraud, but correspondingly few customers (compared to Stripe/PayPal). [0]: https://www.simonandschuster.com/books/The-Founders/Jimmy-Soni/9781501197260 https://www.simonandschuster.com/books/The-Founders/Jimmy-So...