1. A system for assessing network authentication requirements based on situational instance, wherein the system provides a dynamic platform for determining authentication requirements in real-time, the system comprising: at least one memory device; at least one communication device connected to a distributed network; at least one processing device communicatively coupled to the at least one memory device; and a module stored in the at least one memory device comprising executable instructions that when executed by the at least one processing device, cause the at least one processing device to: establish a communication link with a mobile device associated with a user; receive, from the mobile device, a request to execute a user activity, wherein the user activity requires validation of one or more authentication credentials; monitor user network connections, user location, and user applications associated with the mobile device; retrieve, via the communication link, application information from the mobile device; determine one or more applications associated with the mobile device, wherein the one or more applications comprise applications stored on the mobile device, applications that are currently active and/or applications that are not currently active; extract activity data regarding historical exposure events, wherein the activity data is received from a plurality of users associated with the historical exposure events; compare the user network connections, the user location and the user applications with the activity data; escalate, in real-time, a level of authentication required for the user to execute the user activity based on determining that at least one of the one or more applications is associated with the historical exposure event; present the escalated authentication requirement to the user via the mobile device; lock a display of the mobile device until (i) the user network connections, the user location and the user applications are not associated with the historical exposure event or (ii) a positive authentication response is received; and enable the user to execute the user activity based on receiving the positive authentication response.