This document discusses multi-factor authentication strategies for enterprise applications using PKI, smart cards, and biometrics. It provides an agenda that covers the identity dilemma, identity assurance vs security, multi-factor authentication strategies using OTPs, smart cards, PKI and biometrics, understanding real-world implementations including tools, standards, and the role of JAAS. It also discusses the role of Sun OpenSSO for single sign-on and multi-factor authentication, deployment architectures, and provides a demonstration of multi-factor SSO using PKI, smart cards and biometrics.