When logging into a secure system, which of the following methods provides the highest level of security assurance?
Using a password combined with a biometric verification
Receiving a one-time password via email or SMS
Using a hardware token issued by the organization
Using a password
Using a password combined with biometric verification provides the highest level of security assurance because it requires more than one method of verification from different categories (something you know and something you are). This is known as multifactor authentication (MFA). This layered approach makes it significantly harder for unauthorized users to gain access, since they would need to compromise multiple authentication factors. A password only provides one layer of security (single-factor authentication) and can be more easily compromised. A one-time password enhances security but is still a single factor. Using a hardware token alone is also a single factor (something you have) and presents a risk if the token is lost or stolen.
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