![]() This requires something you know (e.g. password or passphrase), something you have (e.g. Multi-factor authentication goes one step further, and requires two or more factors of authentication. It works by using something you know (such as a passphrase that protects your vault of usernames and passwords), and something you have, a random passcode generated on your mobile phone or a hardware token (think key fob on your keychain). The second factor of authentication can also simply be your fingerprint or other biometric form. Two-factor authentication adds, you guessed it, a second layer of access protection. Two-factor Authentication, Multi-factor Authentication, and the Forms They Take This is where multi-factor authentication can make all the difference. ![]() They know how to transfer funds from your account to theirs, whether it be your personal an online bank account, or using payroll information to divert deposits. It’s a scary reality, but it’s not impossible to defend yourself. With enough information on hand, cybercriminals can open a new credit card account in your name and proceed to max out the credit limit within days or even hours. Their motivation is simple: transform digital data into hard cash. They know the best opportunities to break through security barriers.
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