The most authentication mechanism used in certain domains like home banking, infrastructure surveillance, industrial control, etc. are commercial off the Shelf (COTS) solutions. These are packaged solutions which are adapted to satisfy the need of the purchasing organization, Microsoft, for example, is a COTS software provider. Multifactor Authentication (MFA) is COTS. MFA in the context of this research provides a framework to improve the available techniques. This framework is based on biometrics and as such presents, an alternative to complement the traditional knowledge-based authentication techniques. With an overview based on the probability of failure to enroll(FTE), this research work evaluates available approaches and identifies promising avenues in utilizing MFA in modern mobile devices. Biometrics removes heuristic errors and probability adjustment errors by providing the full potential to increase MFA in mobile devices. The primary objective is to Identify discrepancies and limitation commonly faced by mobile owners during authentication.