Question $4(2$ points$)$

John works at a financial institution where he needs to access a secure system. To

log in$,$ John must provide his username and password. After entering these, the

system sends a one$-$time password $($OTP$)$ to his phone, which he must enter to

complete the login process.

What type of authentication is being used in this scenario?

Single$-$factor authentication

Multi$-$factor authentication

Two$-$factor authentication

Password less authentication