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Adaptive authentication is a reliable technique to dynamically select the best mechanisms among multiple modalities to authenticate a user based on the user’s risk profile generated using behavior and context-based information. Websites or enterprise applications enabled with adaptive authentication will have a more robust security system as analyzing the large volume of the user, device, and browser data in real time generates a risk score that decides the appropriate level of security. Though a significant amount of research is being carried out on adaptive authentication, no single model is suitable for a global attack. This paper provides a structured (extensive) survey of current adaptive authentication techniques available in the literature to identify the challenges which demand future research.