Credential compromise remains a leading cause of breaches, yet many organizations still lack robust MFA strategies, often implementing only basic two-factor methods. Modern MFA must go beyond compliance, using user behavior analytics and adaptive controls to dynamically assess risk and protect against sophisticated threats without hurting user experience. Adaptive MFA integrates with SSO, enables context-aware authentication, and supports secure application, endpoint, VPN, and cloud access while strengthening PAM. By aligning with NIST authentication assurance levels and adopting tools like FIDO2, ZSO, and passkeys, enterprises can reduce password reliance and move toward a passwordless future.

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