112-51 Exam Dumps | Kevin logged into a banking application with his registered credentials and tried to transfer someamount

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ECCouncil.112-51.v2024-10-24.q36
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Question 11/36

Kevin logged into a banking application with his registered credentials and tried to transfer someamount from his account to Flora's account. Before transferring the amount to Flora's account, the application sent an OTP to Kevin's mobile for confirmation.
Which of the following authentication mechanisms is employed by the banking application in the above scenario?

A. Biometric authentication

B. Smart card authentication

C. Single sign-on (SSO) authentication

D. Two-factor authentication

Correct Answer: D

Two-factor authentication (2FA) is a type of authentication that requires users to provide two or more forms of verification to access an online account. 2FA is a multi-layered security measure designed to prevent hackers from accessing user accounts using stolen or shared credentials. 2FA typically combines something the user knows (such as a password or PIN), something the user has (such as a phone or a token), and/or something the user is (such as a fingerprint or a face scan). In the above scenario, the banking application employs 2FA by asking Kevin to enter his registered credentials (something he knows) and an OTP sent to his mobile (something he has) before transferring the amount to Flora's account.References:
* Improve Your Cybersecurity with Password MFA - Defense.com
* What Is Two-Factor Authentication (2FA)? | Microsoft Security
* Selecting Secure Multi-factor Authentication Solutions

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