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Multi-Factor Authentication (MFA) is a security system in which more than one form of authentication is implemented to verify the legitimacy of a transaction. The goal of MFA is to create a layered defense and make it more difficult for an unauthorized person to access a computer system or network. Multi-Factor Authentication (MFA) is achieved by combining two or three independent credentials: what the user knows (knowledge-based authentication), what the user has (security token or smart card) and what the user is (biometric verification). Single-Factor Authentication (SFA), in contrast, only requires knowledge the user possesses.