-Requiring users to authenticate using their password, biometric data, security questions, or <L href="https://en.wikipedia.org/wiki/One-time_password">OTP</L> is a highly effective security measure. However, it can significantly impact user experience, so it's typically used only for critical operations like changing passwords or conducting financial transactions. Avoid using CAPTCHA for this purpose, as it's primarily aimed at preventing automated bot attacks and doesn't provide the necessary level of security for these sensitive activities.
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