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I worked for a big fintech.

- Zero email validation at signup measurably reduces friction. [1]

- Require email validation for bank deposits, once your customer is further onboarded and invested in the product.

- Encourage 2FA and other measures as the customer grows.

[1] (Much to the chagrin of all security-adjacent, marketing, account owning, risk, ATO prevention, etc. teams. I was directly in the path of these decisions, and it was interesting to see the various stakeholders argue their points. Growth funnel wears the pants.)




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