Offer financial product teams a structured account-recovery audit covering new devices, changed or unavailable phone numbers, unsupported devices, failed identity checks, and inaccessible in-app support. Testers execute controlled scenarios using a device and phone-number lab, record each failure, assess customer and compliance impact, and provide reproducible evidence with remediation priorities. Begin as a fixed-scope testing service and later productize the scenario library, test orchestration, and regression monitoring.

Financial products increasingly use device recognition and phone-based verification while customers routinely replace devices and mobile numbers. As identity controls become stricter, poorly designed recovery paths create more lockouts, support costs, complaints, and customer-asset access risk.