This session examines WHY organizations continue to be challenged in the fast-evolving remote payments authentication landscape. Join our panelists as we discuss current authentication methods and related weaknesses and inconsistencies exploited during remote payment fraud. Panelists will share best practices and offer insights into why organizations fail to adopt them in response to known fraud and security threats. Beyond the balancing act between security and customer friction, our panel will explore what drives differences in authentication approaches across financial institutions, service providers, and leaders in authentication capabilities. The dialogue will help explain what forces are at work that influence how organizations assess authentication risk, evaluate their mitigation options, and decide what authentication practices to invest in. Finally, the panel will discuss how strategies must evolve, including through collaborative work efforts, to improve remote payments authentication for organizations and the U.S. payments industry.