After providing a username and password, a user must input a passcode from a phone...

This is an example of Multi-Factor Authentication (MFA) because it requires:

Something you know (username/password)

Something you have (a phone-generated passcode)

Breakdown of Options:

A. SSO (Single Sign-On) – Allows one login for multiple services, but does not add a second authentication factor.

B. LDAP (Lightweight Directory Access Protocol) – Used for directory authentication, not MFA.

C. MFA (Multi-Factor Authentication) – ✅ Correct answer. Uses multiple authentication factors for better security.

D. SAML (Security Assertion Markup Language) – Used for federated identity management, not multi-factor authentication.