MFA — Multi-Factor Authentication

Definition

An authentication method requiring users to present two or more verification factors (something you know, have, or are) to access an account.

Context & Usage

Common MFA factors: password + SMS code, password + authenticator app (TOTP), password + hardware token (YubiKey, FIDO2), biometric. Modern best practice: use phishing-resistant MFA (FIDO2/WebAuthn, hardware security keys) — SMS-based MFA can be bypassed with SIM swap attacks.

Examples

  • Microsoft Authenticator app
  • YubiKey 5 USB security key

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