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; determine device information associated with the mobile device; identify at least one local network associated with the mobile device based on the device information, wherein the mobile device is in communication with the at least one local network; determine one or more local devices in communication with the at least one local network; 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 the at least one local network and/or the one or more local devices are associated with a 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.