Authentication answers 'who', but fraud now lives in the 'why'. We've spent decades verifying identity, while fraud has quietly moved to intent. As AI agents execute transactions, manage accounts, and interact with financial institutions on behalf of customers, authentication frameworks built to verify a human at a single point in time are failing to catch fraud that hides behind a valid identity.

This breakout session examines how authentication must evolve to assess intent and context continuously across a session, not just at login, and what institutions are doing today to build frameworks that keep pace with an AI-agent-driven world.