Brief

Friction, fraud and the customer at the login screen

Every extra step at sign-in costs conversions. Every missing step invites fraud. The data on where to draw the line.

August 11, 2026Indigo Consulting4 min readCustomer identity

Customer identity teams live between two numbers. On one side, FIDO's 2026 research finds that 47% of consumers are likely to abandon a purchase or sign-in when they cannot remember their password.1 On the other, Okta's 2025 Customer Identity Trends report found that 46% of registration attempts it observed in 2024 were signup attacks, and that 68% of consumers reuse passwords.2

19%

of all daily authentication attempts were credential stuffing in the median case Verizon studied, rising to 25% at enterprises.3

Drawing the line

  • Make the strong path the easy path. Passkeys and social sign-in reduce friction and remove reusable passwords at the same time.
  • Spend friction where risk is. Step up for payment changes, address changes and new devices, and keep browsing frictionless.
  • Defend registration. Signup is now an attack surface. Bot detection and progressive profiling belong at the front door.
  • Measure both sides. Track abandonment and fraud on the same dashboard so neither team optimizes alone.

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