Aspects of the present disclosure involve systems, methods, devices, and the like for user authentication. In one embodiment, the user authentication occurs using a multi-provider platform. The multi-provider platform enables the use and retrieval of user information from the given provider for the use and assessment of information associated with the user. User information may also be received over a web link communicated at least in part by a risk checkpoint component to a user device, wherein the user information received and that retrieved may be jointly used for determining user authentication.