Biometric - a physical appearance essential to identify users, such as thumb, face recognition, etc. Token - A token is a tool for system access. Due to the lengthy credentials, it is more challenging for hackers to unlock accounts. Transaction Authentication - mainly generates a one-time pin or password on the user's phone to validate the identity. Multi or Two-factor Authentication - Your identity may be secure in two or more authentications. Out-of-Band Authentication - Two distinct signals from two separate networks or channels are required to complete this authentication. Most hacking and identity theft efforts against online banking are stopped by it.