Which practice enhances the security of sensitive payment data?

Implementing access controls and user authentication is a critical practice for enhancing the security of sensitive payment data. Access controls restrict who can view or use sensitive information, ensuring that only authorized personnel can access this data. This can include measures such as role-based access control, where users are granted permissions based on their roles within the organization. User authentication adds an additional layer of security by verifying the identities of users who attempt to access the system. This could involve passwords, biometric scans, or multi-factor authentication, all of which contribute to preventing unauthorized access to sensitive payment data.

The combination of these practices significantly reduces the risk of data breaches and helps organizations comply with regulatory requirements, such as the PCI DSS, which aims to protect cardholder data. Without strong access controls and user authentication, sensitive payment information may be exposed to unauthorized users, leading to potential data theft and financial losses.