An approach for enabling multi-factor biometric authentication of a user based on different data capture modalities of a mobile device is described. A biometric enabler receives a request for authentication of a user via a network at a mobile device of the user. The biometric authentication further initiates a capture of media associated with the user at the mobile device based on the request, wherein the capture is based on a capture condition. The biometric enabler also determines, in response to the request, whether the media is associated with different types of biometric information of the user as maintained in association with a resource that requires authentication of the user.