As financial commerce moves online, identity has become a real-time control point for fraud prevention, transaction approval, customer trust, and enterprise decision-making. The challenge is no longer limited to verifying whether a person is real. Financial institutions must connect fragmented data and operationalize that information fast enough to validate identity as transactions occur.

In the final part of the three-part series, Rohit Chauhan, former Executive Vice President of Artificial Intelligence & Fraud Solutions at Mastercard, speaks with Robert Lutton, Vice President of Sandhill Consultants, about why identity has expanded beyond compliance and become foundational infrastructure for banking.

Chauhan explains how identity graphs can connect behavioral, transactional, and other identity signals across siloed systems. The conversation also examines how Customer 360 has evolved from a marketing asset into an enterprise resource for risk, trust, identity verification, and decision-making.

Key themes include:

• Identity as infrastructure: Identity validation now sits at the core of digital financial transactions and can affect whether transactions are approved or rejected.
• Connected data: A complete identity view requires information from multiple systems because critical customer signals often remain fragmented across organizational silos.
• Real-time verification: Synthetic identities can exploit gaps in verification, making timely access to connected data essential for confidence.
• Operational architecture: Building an identity graph requires mapping data sources and solving the architecture needed to update the graph in real time or near real time.

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