Financial scams are no longer isolated incidents or user-error problems—they are systemic attacks on trust, amplified by AI, instant payments, and always-on digital channels. Drawing on new PYMNTS Intelligence research commissioned by Block and insights from PayPal and the Financial Technology Association, this panel examines how impersonation, speed, and social engineering are reshaping fraud risk across generations. Industry leaders discuss how smart friction, in-product protection, recovery experiences, and coordinated policy and education efforts can shift the balance back toward consumer trust and digital confidence.