What prevents someone who randomly picks up your phone from sending money to themselves using a messenger-based payment?

Explanation:

There are various safety features in place to prevent such scenarios from happening. For starters phones usually have a pin code, pattern code, or fingerprint scanner which prevents unauthorized individuals from entering into the phone's services. Assuming that these features have been disabled by the phone's owner, payment applications usually require 2FA verification which requires two forms of approval such as email approval and fingerprint scanner in order for any transactions to go through. Therefore, an unauthorized individual would not have access to such features and would not be able to complete any transactions.

i think the answer is a or d

answer; availability;