Multi-factor Authentication (MFA) is intended to provide a higher level of security authentication for users attempting to access a resource, such as physical location, mobile device, network, or database.
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PCI DSS GUIDE's aim is to clarify the process of PCI DSS compliance as well as to provide some common sense for that process and to help people preserve their security while they move through their compliance processes.
The PCI DSS requirements apply to all system components, including people, processes and technologies that store, process or transmit cardholder data or sensitive authentication data, included in or connected to the cardholder data environment.
Vulnerabilities are constantly found by malicious individuals and researchers, and new software is introduced to them. System components, processes, and custom applications should be periodically reviewed to ensure an evolving environment continues to represent security controls.