Zeto Bank, a National Bank, Requires Its Customers to Provide

Multiple Choice

Zeto Bank, a national bank, requires its customers to provide their customer identification number, their respective passwords, and a one-time password that is sent via SMS to their registered cell phone numbers to access the bank's online banking services. It is evident that Zeto Bank has adopted _____.

A) two-factor authorization
B) two-factor authentication
C) three-step authorization
D) three-step authentication