The financial sector is grappling with record-high regulatory penalties and escalating fraud losses, highlighting the inadequacy of traditional compliance and fraud prevention methods. As customers demand quick and secure access, and regulators require strict controls and data trails, banks face the challenge of balancing security with user experience. The issue stems from decades of isolated point solutions and siloed data, leading to inefficiencies and blind spots in fraud prevention. The emergence of AI-driven fraud has further complicated matters, as static defense systems struggle against adaptive attacks. To address these challenges, financial institutions are moving towards unified intelligence systems that integrate device, behavioral, and network signals, providing a comprehensive view that enhances fraud detection, compliance, and customer experience. This approach allows banks to identify threats in real-time, reduce false positives, and maintain a seamless user experience, ultimately fostering a more resilient and future-ready security infrastructure.