For better or worse, we've been in that world for a long time really.

If I ask my bank for a debit/credit card, they'll pass my request to another partner which will do my background check and potentially contact me for additional info.

If I order a delivery from IKEA it will be probably handled by some local company I'll have no idea how precisely they're bound to IKEA. Some complete stranger will be at my doorstep with a truck waiting behind.

There might be some mention of involved third parties in the contracts, but we usually don't read them.

So we used to get random phone calls from unknown numbers claiming to be associated with a reputable entity, and be actually legit even as it sounds completely fishy.