Adaptive Multi-Factor Authentication – Most IAM solutions provide Adaptive Multi-Factor Authentication (MFA) functionality to protect against impersonation and credential theft. With MFA, a user must present multiple forms of evidence to gain access to a system, for example, a password or fingerprint and an SMS code. Modern MFA solutions support adaptive authentication methods, using contextual information (location, time-of-day, IP address, device type, etc.) and administratively defined policies to determine which authentication factors to apply to a particular user in a specific situation.