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An information security professional is reviewing user access controls on a customer-facing application. The application must have multi-factor authentication (MFA) in place. The application currently requires a username and password to login. Which of the following options would BEST implement MFA?
Correct Answer: D
Multi-factor authentication (MFA) requires at least two different factors from separate categories to verify the user's identity. These categories are typically something the user knows (e.g., password), something the user has (e.g., hardware token), and something the user is (e.g., biometrics).