With the rise in both the number and sophistication of today’s security threats, the benefits of multi-factor authentication (MFA) have become widely recognized, leading to increased adoption across enterprise and consumer apps. From a security standpoint, this is all good news. We know that passwords alone are not enough to secure your data, and that having at least a second factor is critical. In our annual Businesses at Work survey, we found that nearly 70% of Okta customers offer three or more factor options to their users today (compared to 62% last year). However, we also found there is still some room for progress when choosing the right factors to protect company applications and data. An effective MFA solution balances usability, cost-effectiveness, and security. Some factors are relatively easy to use, but can come at the expense of security. It helps to imagine factors on a scale of assurance.