Frequently Asked Question

What are Multi-Factor and Two-Factor Authentication?
Last Updated 4 months ago

Multi-factor authentication (MFA) is an improvement over relying on a password to verify your identity--especially when logging into financial websites and services. Multi-factor authentication requires successfully responding to several questions or prompts before permission is granted to access the service. The different factors include:
  1. Something you know (like a password)
  2. Something you have (like an ID badge or a one-time code sent to an email address or mobile device)
  3. Something you are (like a fingerprint)
Two-factor authentication (2FA) is the simplest form of multi-factor authentication and requires passing just two of the above tests.

Some sites require that multiple questions be answered before access is granted. However, correctly answering two or more questions (like a password followed by the city in which you were born) is not the same as two-factor authentication because both answers are things you know.

Multi-factor authentication may not be the most convenient, but it is certainly more convenient than having all your money transferred to an account in the Cayman Islands without your knowledge. For additional information, see the following websites:

Additional Information:

Keywords: security, verification, multifactor, factor, 2-Step (2FA)

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