arXiv:2610.36926v1 Announce Type: new Abstract: As smart organizations increasingly rely on technologies like AI, big data, and IoT, securing these systems is crucial. This research introduces a dynamic multi-factor authentication (MFA) system within the Zero Trust Architecture (ZTA) framework, which enforces continuous verification. The system randomly selects biometric authentication factors, such as fingerprint, iris, and face recognition using a Markov chain model to ensure adaptability and reduce predictability in security measures. Using CASIA biometric datasets and AES-128 encryption, the system securely manages user data and authentication. Performance analysis shows that the dynamic selection process balances security and efficiency, making it suitable for smart organizations, particularly in e-government contexts. This MFA system strengthens cybersecurity by providing a flexible, real-time defense against evolving threats.