The future of authentication is not more complex passwords or passphrases and better multi-factor authentication (MFA). Instead, most authentication will happen in the background, invisible to the user, much like the way credit card companies have been doing fraud detection. They have been dealing with low friction, risk analysis-based authentication for decades and are the super geniuses in this space. Their experience and intelligence are being mapped over to the rest of the digital world. The keywords of this authentication paradigm shift are continuous, frictionless, risk-based, behavior-based authentication.