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Authentication applications: You can use one of the many authentication apps available to download on your phone.

SMS Code: A unique, one-time code consisting of six numbers that get texted to you. Admittedly, SMS Codes do have some weaknesses compared to other forms of authentication like a hardware token. Compromising a mobile phone can compromise the conduit of your SMS code. No matter what, though, a cybercriminal will have to spend time trying to bypass SMS verification.

The most popular forms of authentication available to any person or business include: a fingerprint). Multi-factor authentication is a common best practice for organizations to enhance security.Īuthentication, regardless of how many factors involved in the process, is a simple piece of technology that is easy to install and use – as simple as any other mobile phone app you download to your iPhone or Android device. 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.