A digital content security and communication system is disclosed. The digital content security and communication system may include one or more data stores to manage data within a network, and one or more servers to facilitate operations using information from the one or more data stores. The digital content security and communication system may include an analytics subsystem, the analytics subsystem system comprising a data access interface to receive data associated with a user interacting with an online application, and receive data from a data source. The analytics system may include a processor to: generate an anonymized account for the user based on the data associated with the user interacting with the online application; determine a risk parameter associated with the user; associate the anonymized account with the risk parameter; provide an application commencement option to the user when the risk parameter reaches a predetermined threshold; initiate an online application upon receiving a user response to initiate the application commencement option; and perform additional features and provide new services via a digital application conversation.