Multi-factor authentication (MFA) checks users for two or more authentication factors from different categories to ensure that they are truly who they claim to be before granting access to their preferred resource or application. MFA provides a higher degree of assurance of user identity than simple username/password authentication. Yet, it does have limitations of its own. In its simplest form, the MFA relies on a one-size-fits-all solution, requiring an additional element regardless of the case. This can be repetitive for users who authenticate under typical low-risk conditions.