Multi-factor Authentication and Zoho Vault

In the quest to improve our basic security, we are looking at Zoho Vault which we like very much. The biggest problem that we see, though, is that our financial institutions are all pursuing some sort of multi-factor authentication in their login procedures. Banks are typically using some kind of picture recognition. One bank is asking a challenge question each time.

I haven't figured out how to handle this with Zoho Vault. Is there a scripting method or something like that will allow me to login using Zoho Vault?

Zoho Vault is still useful as a password store for these complex authentication schemes, so it isn't a complete mismatch. I would also want to force the script to recognize a transmission from the bank - pictures always have descriptions and images can be recognized - so as not to reduce the security the bank is trying to put in place. Still, the trend is toward complex login protocols and I'd like to be able to use a vault of some kind to keep my users from employing simple passwords.

I would appreciate any help in how best to use Zoho Vault.

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