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Using a text message code as part of the login process adds an essential layer of security known as two-factor authentication (2FA). This method requires not only something the user knows (the password) but also something the user has (the code sent via text message). Even if a malicious actor obtains the password, they would still need access to the mobile device to retrieve the text message code, making it significantly harder to gain unauthorized access.

In contrast, options involving a fingerprint or a security question do not provide the same level of security. A fingerprint is a biometric measure, and while effective, it can sometimes be less convenient and may not always be available on all devices. Security questions, while they can add an additional layer of protection, can often be easier to bypass or guess, particularly if the answers are public or easily obtainable information. Therefore, using a text message code enhances account security in a more robust way, making it the best choice among the options provided.