Traditional personally identifiable information (PII) has become increasingly vulnerable in our data-breach-saturated landscape, forcing financial institutions to reimagine identity verification beyond static credentials. This session explores dynamic, multidimensional identity frameworks leveraging mobile network intelligence, behavioral analytics, and contextual signals to create robust consumer authentication. We'll examine how institutions build comprehensive digital identities incorporating device reputation, network-based validation, and real-time risk assessment to combat AI-powered synthetic identity schemes. Key discussion points include implementing "friction-right" authentication, leveraging mobile network operator data as trusted identity anchors, and building orchestrated solutions that balance security imperatives with seamless customer experiences in today's digital-first financial services landscape.