We audited several fintech onboarding flows this quarter. Different companies, different stacks, different teams.

Same three issues. Every time.

None of them appeared in automated scans. All of them showed up in the first 30 minutes of expert review. Here's what they are and how to fix them.

Issue #1 — Email field with no visible label

The field looks fine visually. There's placeholder text that says "Enter your email." But there's no <label> element connected to it.