What is Multi-Factor Authentication and why you must enable it ?

Multi-Factor Authentication (MFA) is a security measure that requires two or more verification factors to gain access to an account. By requiring multiple forms of identification, MFA significantly increases the difficulty for unauthorized users to gain access, even if they have compromised your password.

Most common types of Multi-Factor Authentication

• Authenticator Apps: Applications like Microsoft/Google Authenticator or Authy generate time-based codes that users enter after their password.
• SMS or Email Codes: A one-time code sent to your phone or email that you must enter after your password.
• Hardware Tokens: Physical devices that generate codes or connect directly to your computer, providing an additional layer of security.
• Biometric: Smartphones, and Fingerprint Scans.

My personal favorite is is an authenticator apps which generate time-based one-time passwords (TOTPs) that changes every 30 seconds. This dynamic nature makes it difficult for hackers to use stolen credentials, as the codes are only valid for a brief period. They are widely supported across various platforms and services, making them a versatile choice for both personal and business use. Most authenticator apps are free or low-cost, offering a high level of security without the need for expensive hardware tokens or other solutions.

How an Authenticator App Work

1. User Requests Access

2. Server Validates Credentials

3. Server Initiates 2FA (Two-Factor Authentication)

4. User Opens Authenticator App

5. Authenticator App Generates TOTP

6. User Enters TOTP

7. Server Validates TOTP

8. Access Granted

Multi-Factor Authentication (MFA) helps you protect against fraud by adding an extra layer of security to your account.

By requiring multiple forms of authentication, it drastically reduces the likelihood of fraud and unauthorized access. If you haven't enabled MFA for your sensitive accounts, do it now and safeguard your account from fraud !