D. Single-factor authentication
In this scenario, the user logs in using only a username and password, which both fall under the same authentication factor: "Something you know."
Multifactor authentication (MFA) would require at least two different authentication factors, such as:
Something you know (password, PIN)
Something you have (smart card, security token)
Something you are (fingerprint, facial recognition)
Since only a password is used, it qualifies as single-factor authentication (SFA)
It is not multi factor as they're both something you know. In order to have a multi factor authentication, it must be either something you have and something you know.
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