Fortify Your Cyber Fortress: Conquer the 2025 NDE Practice Exam! 🚀🔐

The method that involves using a One-Time Password (OTP) along with user credentials is two-factor authentication. This approach enhances security by requiring two different forms of verification before granting access to an account. The first factor typically involves something the user knows, such as a username and password, while the second factor involves something the user possesses, such as an OTP generated by a device or sent to a mobile phone.

The use of an OTP adds an additional layer of security. Even if an attacker were to obtain the user’s password, they would still need the OTP, which is only valid for a short period or for a single session, making unauthorized access significantly more difficult. This combination makes two-factor authentication a robust method for protecting sensitive information.

In contrast, single sign-on authentication simplifies the user experience by allowing access to multiple applications with one set of credentials, but it does not inherently involve OTP. Smart card authentication typically requires a physical smart card, which may not use OTP. Biometric authentication relies on physical traits, such as fingerprints or facial recognition, rather than OTP and user credentials.