As financial institutions face escalating threats from AI-powered fraud and sophisticated account takeover attempts, traditional authentication methods are proving inadequate. This session explores how dynamic, risk-based authentication can transform security from a barrier into a seamless experience. We'll examine innovative approaches that balance robust fraud prevention with exceptional customer experience, including continuous authentication, contextual risk assessment, and adaptive friction models. Drawing from real-world implementations and emerging technologies, participants will discover how to orchestrate authentication signals across channels while maintaining security effectiveness. Join us to explore the evolution from static security measures to intelligent, flow-optimized authentication that protects customers without compromising convenience.