MFA is a security process that requires a user to provide multiple forms of verification to access a system, network, or application. This approach combines two or more of the following factors: something you know (for example, password, PIN), something you have (for example, smart card, token, mobile), and something you are (for example, biometric data, such as a fingerprint). MFA adds an additional layer of security to the traditional username and password combination, making it more difficult for attackers to gain unauthorized access.