Most banks still treat customer identity as a compliance requirement, and that framing now leaves every online transaction exposed. Rohit Chauhan, former Executive Vice President of Artificial Intelligence and Fraud Solutions at Mastercard, joins Robert Lutton, Vice President of Sandhill Consultants, for the concluding part of a three-part series on the identity graph. The conversation covers why siloed customer data undermines verification and why real-time convergence has to be solved in the architecture.