Systems, apparatuses, methods, and
computer program products are disclosed for using a mobile driver's
license (mDL) to enhance electronic
disbursement staging. An example method includes receiving a
disbursement initiation request from a target recipient, wherein the
disbursement initiation request comprises identifying (i) disbursement data, (ii) a recipient mDL, and (iii) a recipient device. The example method further incudes verifying, based on the disbursement
initiation request, authenticity of the mDL. The example method further includes, in response to verifying the authenticity of the mDL, selecting, using a risk determination
machine learning model, a secondary
authentication protocol. The example method further includes authenticating, based on the secondary
authentication protocol, the target recipient. The example method further includes receiving, from the recipient device, disbursement
preference data, and staging a disbursement event using the disbursement
preference data.