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 operatively 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 an operative 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 during the user activity; 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 (i) the user network connections, (ii) the user location, and/or (iii) the user applications are associated with a historical exposure event; present the escalated authentication requirement to the user via the mobile device; and enable the user to execute the user activity based on receiving a positive authentication response.