OAuth abuse through Google APIs, AI agents running full ransomware campaigns, and credential theft feeding directly into organized ransomware operations. This is the attack surface I'm seeing across fintech portfolios right now. ToddyCat's Umbrij malware proves corporate email is now a primary vector when attackers control API access. Worse, traditional identity lifecycle management wasn't built for AI principals operating 24/7 without employment records or departure dates. Meanwhile, Scattered Spider operators are already pleading guilty to attacks that crippled critical infrastructure. In Latin America and the Caribbean, we've watched these patterns evolve ahead of US adoption. The blind spot isn't technology. It's governance. Most fintech teams still gate-keep identity and API access like humans are the only actors in play. Your IGA tooling can't detect what it wasn't designed to govern. The question isn't whether AI agents will exploit your infrastructure. It's whether your identity architecture will even register the compromise when it happens. How are you auditing API access and identity governance when the principal isn't a person? 🔐 #cybersecurity #infosec #fintech