Offer your thoughts or opinion on the input financial query or topic using your financial background.

How does a online only bank protect itself against fraud? 
@ Daniel Anderson shared interesting insights. In my research I learned a few things Some interesting data on fraud trends  AFP Payments Fraud and Control Survey 2016 As a consumer, at the very least I'd improve awareness of I'd also learn about basic types of fraud And for the techies out there, I'd recommend learning about layered security (There's no way the customer service is going to talk about this)