A financial institution wants to enhance its security measures by implementing an access control method that requires users to provide both a password and a verification code sent to their mobile device. Which authentication approach best meets this requirement?
The correct choice is multi-factor authentication (MFA), which requires users to present two or more independent credentials: something they know (password) and something they possess (verification code sent to their device). Single sign-on (SSO) allows users to access multiple systems without repeated logins but does not incorporate additional verification steps. Password-based authentication relies solely on user knowledge and lacks the robustness that MFA provides. Biometric authentication involves identifying users based on physical attributes but does not meet the specific criteria of combining knowledge and possession in this scenario.
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ISC2 CISSP
Identity and Access Management (IAM)
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