Unveiling the future: Redefining user authentication and fraud mitigation` User authentication has evolved significantly over the past 30 years, from simple username and password combinations to more advanced methods such as two-factor authentication (2FA) like SMS one-time passwords (OTPs). However, with advancements in mobile phone technologies, new tactics for fraudsters have emerged, including SMS pumping fraud. To combat this, companies must adapt their understanding of fraud prevention strategies, focusing on education and awareness, behavioral metrics of users, and incorporating AI to detect social engineering attacks. Twilio's purpose-built APIs for user authentication can help businesses prevent fraud by providing multiple channels for two-factor authentication, gathering intelligence from billions of transactions across its network, and enabling companies to focus on piecing together normal behavior to identify potential threats. Ultimately, the key is to make platforms more difficult to breach while minimizing the impact of social engineering on victims.