This document discusses how adaptive authentication can improve security over traditional passwords and multi-factor authentication. It notes that passwords are often reused or weak, leading to many breaches. While multi-factor authentication adds security, it has low adoption rates due to usability issues. The document proposes that authentication should be dynamic, responsive to context like location, device and application risk level. It outlines how the WSO2 Identity Server supports adaptive authentication through scripting policies, connectivity to machine learning models, and a wide range of authentication connectors. Adaptive authentication can select steps dynamically based on the request, user attributes and behaviors, or a risk score to improve security and usability.