The growth of digital wallets has shifted the focus of risk from infrastructure to the user. Kaspersky reports that 88% of the phishing attacks it detects aim to steal account login credentials1.
A shift in the attack vector
Cybercriminals have moved toward strategies that target human behavior:
- Advanced phishing.
- Social engineering.
- SIM swapping.
- Mobile malware.
The World Economic Forum notes that 95% of cybersecurity incidents stem from human error2.
The limits of authentication
Traditional systems have clear vulnerabilities:
- Compromised passwords.
- Two-factor authentication that can be manipulated.
- One-time rather than continuous validation.
The result is an environment where access can be compromised in minutes.
The RiskTech approach
RiskTech deploys continuous validation models:
- Adaptive authentication.
- In-session behavioral analysis.
- Dynamic risk assessment.
This makes it possible to validate not only who gets in, but how they behave.
Identity is no longer a data point. It's a pattern.
Sources
- Kaspersky: “88% of phishing attacks steal account login credentials” (January 2026). Press release in Spanish; title translated. View source
- World Economic Forum: Global Risks Report 2022. View source
