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An organization wishes to implement multi-factor authentication for remote access, using the user's individual password and a digital certificate. Which of the following scenarios would meet PCI DSS requirements for multi-factor authentication?
Correct Answer: D
Explanation According to the PCI DSS v3.2.1 Quick Reference Guide1, a different certificate is assigned to each individual user account, and certificates are not shared. This is one of the requirements for preventing unauthorized access to cardholder data using digital certificates.