We see a counterintuitive future whereby better security no longer means a more complicated or cumbersome user experience. This future is free of sticky notes with scribbled codes and centralized credential stores. With a next-generation multifactor authentication platform that meets the 10 criteria outlined in this book, this dream can become reality – when you’re ready. You could use MFA as your first layer of authentication, for example, and fall back to your existing authentication method. Over time, you can scale back knowledge-based authentication and kill passwords once and for all.”]
Source: https://www.bankinfosecurity.com/whitepapers/multi-factor-authentication-for-dummies-w-5456