A system, method, and computer-readable medium for securing a mobile financial transaction are provided. A table matches each one of a plurality of transaction risk levels to a corresponding one of a plurality of required user trust scores, correspondingly. A financial transaction risk level associated with a financial transaction is computed. A user trust score associated with the user is computed based on user identification data associated with the user. The financial transaction risk level is matched to a corresponding one of the plurality of transaction risk levels stored in the table. The one of the plurality of required trust scores that corresponds to the corresponding one of the plurality of transaction risk levels stored in the table is identified. If the user trust score is greater than or equal to the identified one of the plurality of required trust scores, then the financial transaction is authorized.