That's not multi-factor authentication. True multi-factor authentication involves a combination of something you know (eg, your password), something you have (

That's not multi-factor authentication. True multi-factor authentication involves a combination of something you know (eg, your password), something you have (your phone, a fob, etc.) and something you are (generally biometric things, which for obvious reasons haven't picked up too much). Multiple security questions are just additional things-you-know, and as such, aren't multifactor.