Some experts see the context of the users authentication such as the time, their network IP and device, and their location as the fourth factor of authentication. Security experts say attackers are increasingly breaking into accounts that use single-factor authentication and sometimes even those with two factors. CSO looks at some of the latest MFA technologies and methods, the benefits and challenges, and how these help keep attackers out of the system. Some of these authentication methods have seen significant improvements. Advances in Public Key Infrastructure (PKI) encryption include virtual smart cards.”]