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While the consensus remains that username and password authentication is an adequate security control in at least some cases, the majority of organizations currently use multi-factor authentication (MFA) technology. Despite the obvious benefits of using MFA, organizations tend to leverage this technology on a more selective basis. What will it take for multi-factor authentication to become the ubiquitous de facto access control strategy for organizations, or will MFA continue to coexist with username and password approaches for the foreseeable future?