This whitepaper emphasizes the need for financial institutions to modernize their identity systems as customer expectations rapidly accelerate. Legacy IAM creates high costs, security gaps, and operational friction, limiting innovation. Modern identity, treated as a business enabler, supports better customer experiences and agility. The paper introduces a hub‑based model for transformative IAM and customer IAM, showing how centralized, modern identity architecture strengthens security and scalability. It concludes by outlining how Auth0 helps financial institutions move beyond outdated systems and achieve future‑ready digital experiences.

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