As banking becomes fully digital, the fraud landscape is changing fast.

In this episode of Good Question, Inscribe CEO Ronan Burke speaks with two leaders tackling fraud in very different environments: Hua Li, Head of Payment Risk at TikTok, and Angela Diaz, a senior fraud risk leader formerly at Discover.

Their conversation reveals how digital platforms and traditional banks now face many of the same challenges — from account takeover to document fraud to AI-enabled attacks.

They discuss:

- How fraud works in TikTok’s creator payment ecosystem

- Why first-party fraud and social engineering are rising

- How AI is making fake documents harder to detect

- The shift from branch banking to digital identity verification

- Why behavioral anomaly detection may become the most important fraud defense

The takeaway: as banks race to build fintech-like digital experiences, they are inheriting the same fraud risks — and must rethink how trust is established online.