This session outlines real world learnings from the use of Rich Authorization Requests (RAR) to solve for complex customer authorizations in an institutional banking environment. The presentation provides insights into the use of RAR for a new institutional banking channel, and how tokenizing entitlements created opportunities for more flexible and performant authorization decisions. Finally we examine how we are able to use the communication of rich authorization signals back to the client to simplify how we intelligently orchestrate the step up of authentication and consent experience.