Most fintech breaches you read about involve a hacker, a vulnerability, and a headline. Most fintech losses I've actually seen up close involve none of those things. They involve someone who read the terms of a cashback offer more carefully than the product team did, found the one path through the workflow nobody had tested, and quietly walked away with money the system handed over willingly. That's the part standard security testing misses. A penetration test asks: can someone break in? Busines