Multi-factor authentication

MFA enhances traditional login methods by requiring additional factors beyond just a password. These extra layers significantly reduce the chances of unauthorized access, even if a password is compromised. MFA is now standard across many digital platforms to improve identity assurance.

MFA factors typically fall into three categories: something you know (like a password or PIN), something you have (like a phone or hardware token), and something you are (like a fingerprint or facial scan). Effective MFA solutions combine at least two of these categories to verify user identity.

A common example is logging into a bank account with your username and password (something you know), and then confirming your identity using a one-time code sent to your mobile device (something you have). Some systems also include biometric verification (something you are) to allow or deny access.