What is Multi- factor Authentication?
Multi-factor authentication (MFA) is a security layer that adds an extra step to the typical username and password login process. Instead of depending only on a password, MFA requires users to provide two or more verification factors to gain access to an account. This significantly improves password security because even if a hacker steals your password, they still won't be able to log in without the additional factor.
- Here's how MFA works:
1. Initial Login: You enter your username and password as usual.
2. Second Factor: The system prompts you for a second piece of verification, which could be:
a. One-time code (OTP): This is a unique code generated by an app on your phone, sent via SMS, or displayed on a security key.
b. Biometric factor: Fingerprint scan, facial recognition, or iris scan.
c. Security question: Answering a pre-selected personal question.
3. Verification: You provide the second factor, and if it matches what the system has on record, access is granted.
By requiring multiple factors, MFA makes it much harder for attackers to gain unauthorized access. Even if your password is compromised, they would also need to steal your phone or know the answer to your security question to get in.
- Benefits of using MFA:
• Stronger defence against cyberattacks: MFA adds an extra hurdle for hackers, making it more difficult to breach your accounts.
• Protection for sensitive information: MFA is especially important for safeguarding accounts that contain sensitive data, like financial information or personal documents.
• Wide availability: MFA is offered by many online services, including banks, social media platforms, and email providers.
If you're concerned about your online security, enabling MFA on your important accounts is a smart step to take.