Which type of authentication would you use for a highly sensitive transaction?

Two-factor authentication is the most robust option for protecting highly sensitive transactions because it requires users to provide two different forms of verification before gaining access. This method combines something the user knows (like a password) with something the user has (like a smartphone or hardware token) or something the user is (biometric data). This layered approach greatly enhances security, as it is not enough for an attacker to know the password; they must also possess the second factor.

In highly sensitive scenarios where the stakes are high—such as banking transactions, accessing private files, or entering secure systems—the additional barrier significantly mitigates the risk of unauthorized access. Even if a password is compromised, the presence of a second authentication factor keeps the system secure. This makes two-factor authentication a preferred choice for sensitive operations, aligning with best practices in cybersecurity.