1. A method, implemented at a computer system that includes one or more processors, for configuring an authentication scheme for a client device, the method comprising: receiving an authentication request from a client device, the authentication request requesting access by a user to a resource; accessing an authentication mechanism list comprising a plurality of authentication mechanisms that are available for authenticating the user for access to the resource; accessing a user access model that models a pattern of usage of the resource by the user; accessing a mode of connection policy defining access to one or more resources via one or more modes; based at least on accessing the authentication mechanism list, the user access model, and the mode of connection policy, configuring an authentication scheme that includes one or more of the plurality of authentication mechanisms that are configured for authenticating the user to access the resource, the configuring including updating the authentication scheme to include the one or more authentication mechanisms that are configured for authenticating the user to access the resource, based on the pattern of usage of the resource by the user; sending a response to the client device, the response recommending the updated authentication scheme to the user; and enabling access to the resource based on the recommended updated authentication scheme.