A system for securing a mobile financial transaction using an adaptive security policy is provided by presenting, via an external terminal, an input request associated with a vertex of the security policy. User input is received via the external terminal in response to the input request. A rule associated with the vertex is retrieved from a database. An edge is selected from a plurality of edges associated with the vertex according to the retrieved rule. A communication session of the external terminal is routed to a subsequent vertex via the selected edge.